Huntington Bancshares (HU3) Stock Price & Analysis
HU3 Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 26.07B
- Enterprise Value
- CHF 55.18B
- Total Cash (Recent Filing)
- CHF 37.00B
- Total Debt (Recent Filing)
- CHF 23.41B
- Price to Earnings (P/E)
- 12.4
- Beta
- 0.45
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.32
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.80%
Bulls Say, Bears Say
Bulls Say
Geographic And Commercial Expansion
Huntington’s broader geographic footprint and expanding commercial platform provide multiple avenues for durable loan, deposit, and relationship growth. Presence in fast-growing markets and substantial newer-geography expansion can diversify the franchise and support scale over the next several quarters.
Fee-income Diversification And Partnership Synergies
Strong growth across fee businesses, including payments, wealth, treasury management, and capital markets, reduces reliance on lending spreads alone. Veritex and Cadence partnerships are also delivering expected or better revenue synergies, supporting a more diversified earnings base.
Operating Leverage And Capital Generation
Expense discipline alongside continued investment indicates Huntington is converting franchise growth into improving efficiency. Positive operating leverage, solid capital generation, and strong liquidity provide capacity to fund expansion, absorb moderate stress, and return capital while maintaining balance-sheet resilience.
Bears Say
Persistent Deposit Pricing Competition
Elevated deposit competition can raise funding costs and compress net interest margins, particularly when customers demand higher rates or migrate balances among banks. A higher expected deposit beta therefore remains a structural profitability constraint as Huntington pursues loan and deposit growth.
Credit Metrics And Commercial Real Estate Risk
Sequential deterioration in charge-offs, criticized assets, and nonperforming assets signals rising credit pressure that could require greater provisioning. Commercial real estate exposure is also being adjusted, so weaker credit performance could limit growth and weigh on earnings over the coming quarters.
Lower Returns And Uneven Cash-flow Consistency
Moderate returns on equity indicate that Huntington is generating less profit from its capital base than during earlier peak periods. Historically uneven cash-flow conversion adds uncertainty to earnings quality, potentially limiting confidence in the consistency of future capital generation.
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Huntington Bancshares Stock Smart Score
Company Description
Huntington Bancshares
Huntington Bancshares Incorporated, established in Columbus, Ohio, in 1866, operates as the bank holding company for The Huntington National Bank, providing a comprehensive suite of commercial, consumer, and mortgage banking services across the United States. Its operations are organized into four key segments. The Consumer and Business Banking segment offers essential financial products to individuals and small businesses, including checking, savings, money market, and certificate of deposit accounts, along with credit cards, various loans, and investment opportunities. This segment also facilitates mortgages, insurance, interest rate risk protection, foreign exchange, and provides convenient access through ATMs, online, mobile, and telephone banking. For larger entities, the Commercial Banking segment delivers specialized financial solutions to middle-market businesses, government and public sector organizations, and commercial real estate developers/REITs. It extends tailored services to industries such as healthcare, technology, telecommunications, franchise finance, sponsor finance, and global services, encompassing asset finance, capital raising, sales and trading, corporate risk management, institutional banking, and treasury management. The Vehicle Finance segment aids consumers in financing purchases of automobiles, light-duty trucks, recreational vehicles, and marine craft through dealerships, while also offering inventory financing for new and used vehicles to franchised dealerships. Finally, the Regional Banking and The Huntington Private Client Group segment focuses on delivering private banking, wealth and investment management, and retirement planning services. As of March 18, 2022, Huntington Bancshares maintained a significant footprint with approximately 1,000 branches operating across 11 states.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Stephen D. Steinour
- Employees
- 25,898
- Website
- www.huntington.com
- Address
- Huntington Center, Columbus, OH, 43287, US
Huntington Bancshares (HU3) Earnings & Revenues
HU3 Company Deck
HU3 Earnings Call
Earnings Call SentimentPositive
The call was broadly positive. Management highlighted strong fee growth, commercial pipelines, partnership execution, capital generation, operating leverage, liquidity, and a reiterated 2027 EPS outlook. These positives outweighed the acknowledged challenges from higher rates, intense competition, deposit pricing pressure, selective lending pullbacks, and modest sequential deterioration in certain credit metrics.
View all CH:HU3 earnings summaries