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Huntington Bancshares (HU3) AI Stock Analysis

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DE:HU3

Huntington Bancshares

(XETRA:HU3)

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Positive Factors
Geographic and commercial expansionHuntington’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.
Negative Factors
Persistent deposit pricing competitionElevated 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.

Huntington Bancshares (HU3) vs. iShares MSCI Germany ETF (EWG)

-10%-5%0%5%10%15%20%25%DE:HU3+9.70%EWG+6.38%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
EUR 32.00B
Dividend Yield
3.76%
Average Volume (3M)
159
Price to Earnings (P/E)
12.3
Beta (1Y)
0.67
Revenue Growth
18.10%
EPS Growth
-18.28%
Country
Germany
Employees
25,898
Sector
Financial
Sector Strength
68
Industry
Banks - Regional

Huntington Bancshares Business Overview & Revenue Model

Company Description

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 Unite...

Huntington Bancshares Earnings Call Summary

Earnings Call Date:Oct 22, 2026(Q3-2026)|% Change Since:2.61%|Next Earnings Date:Jan 28, 2027
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.

Positive Updates

Solid Third-Quarter Operating Performance
Management reported solid operating performance in the third quarter, supported by continued execution across core businesses, recent partnerships, strong commercial pipelines, and solid consumer spending trends.

Negative Updates

Higher Rates and Input Costs Could Pressure Growth
Management said higher interest rates and elevated prices for energy and other inputs could dampen growth in future years and potentially further exacerbate the K-shaped consumer economy.

Company Guidance

Management expects loan growth to achieve about a 6% organic growth rate and approximately 36% on a reported basis, supporting full year NII growth of approximately 35%; NIM is expected to be approximately flat in Q4, full year deposit growth is expected to be about 32.5%, Q4 fee revenue approximately $750 million, plus or minus the normal variability around an estimate at this point in the quarter, implying full year growth of approximately 31%, and core expenses are expected to be flat in Q4 versus the Q3 level. Full year net charge offs are anticipated in a lower end of our 25% to 35 basis point guidance range, while 2026 positive operating leverage is expected to be equal to or greater than 100 basis points; 2027 EPS guidance remains $1.75 to 1.83, with 6% loan growth, flat NIMs, NII of about 6% plus a percentage point or 2 of fee income generation, revenue growth of 7%, 8%, operating leverage of 300 basis points, and PPNR growth of 9% to 10%, while 2027 EPS is expected to grow more than 20% from 2025, ROTCE is expected to trend to the 17% to 18% range, tangible book value per share is expected to increase by more than 10% from the 2025 level, share repurchases between this year and next year are expected to be about $1.8 billion to $1.9 billion, and the embedded deposit beta expectation is around 50 to 60%.

Huntington Bancshares Risk Analysis

Huntington Bancshares disclosed 2 risk factors in its most recent earnings report. Huntington Bancshares reported the most risks in the "Legal & Regulatory" category.

Higher RiskSector Avg.Lower RiskFinance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Legal & Regulatory - Litigation, compliance, new legislation, and taxation risks

Latest Risks Added

0 New Risks

Huntington Bancshares Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

DE:HU3 against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
FITBFITB74Outperform$48.97B18.388.30%2.98%15.37%-12.33%
MTBMTB71Outperform$31.64B11.4610.65%2.72%-0.10%18.13%
CFGCFG69Neutral$27.17B13.088.74%2.91%3.81%39.34%
KEYKEY69Neutral$22.53B11.7110.88%3.82%8.77%125.21%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
RFRF53Neutral$24.36B11.1012.32%3.82%0.54%12.74%

* Financial Sector Average

Performance Comparison

0%20%40%DE:HU3FITBKEYMTBRFCFGDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
DE:HU3 and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
DE:HU3Huntington Bancshares14.311.138.61%
FITBFifth Third54.4013.3332.45%
KEYKeyCorp21.444.5226.69%
MTBM&T Bank Corporation220.1939.0021.53%
RFRegions Financial Corp.28.644.6519.38%
CFGCitizens Financial Group65.3815.1330.10%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.