A Business at a Glance
0 of 5 daily views used (5 remaining). Sign up free for 10 daily views, or try AAPL for a full preview.
Item 1: Business General Business Description We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through the Bank, we are committed to making people’s lives better, helping businesses thrive, and strengthening the communities we serve, and we have been servicing the financial needs of our customers since 1866. Through our subsidiaries, we provide full-service commercial and consumer deposit, lending, and other banking and financial services. These include, but are not limited to, payments, mortgage banking, direct and indirect consumer financing, investment banking, capital markets, advisory, equipment financing, distribution finance, investment management, trust, brokerage, insurance, and other financial products and services. As of December 31, 2025, we operated more than 1,000 branches in 14 states.
| Segment | 2021 | 2022 | 2023 | 2024 | 2025 | % of Total |
|---|---|---|---|---|---|---|
Payments and cash management revenue | $464M | $513M | $536M | $567M | $613M | 30% |
Operating Segments | $360M | $405M | $433M | $452M | $465M | 23% |
Wealth and asset management revenue | $269M | $300M | $328M | $364M | $408M | 20% |
Customer deposit and loan fees | $227M | $231M | $211M | $227M | $250M | 12% |
Capital markets and advisory fees | — | $110M | $132M | $193M | $168M | 8% |
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 12.5B | 12.5B | 12.0B | 10.8B | 8.0B | 6.1B |
| Net Income | 2.1B | 2.1B | 1.8B | 1.8B | 2.1B | 1.2B |
| EPS | $1.39 | $1.39 | $1.22 | $1.24 | $1.45 | $0.90 |
| Free Cash Flow | 2.2B | 2.2B | 1.7B | 2.5B | 3.8B | 1.8B |
| ROIC | 7.5% | 5.4% | 5.0% | 5.7% | 7.8% | 4.4% |
| Gross Margin | 70.0% | 70.0% | 66.6% | 73.2% | 87.6% | 98.1% |
| Debt/Equity | 0.76 | 0.76 | 0.84 | 0.67 | 0.66 | 0.39 |
| Dividends/Share | $0.60 | $0.62 | $0.62 | $0.62 | $0.62 | $0.61 |
| Operating Income | 2.7B | 2.7B | 2.4B | 160M | 2.8B | 200M |
| Operating Margin | 21.5% | 21.5% | 20.1% | 1.5% | 34.8% | 3.3% |
| ROE | 8.6% | 9.5% | 9.1% | 9.4% | 12.0% | 6.0% |
| Shares Outstanding | 1,501M | 1,501M | 1,476M | 1,465M | 1,466M | 1,281M |
HUNTINGTON BANCSHARES INC /MD/ passes 5 of 9 quality checks, suggesting mixed fundamentals.
HUNTINGTON BANCSHARES INC /MD/ trades at 12.0x trailing earnings, compared to its 15-year median P/E of 11.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 15.2x vs a median of 7.9x. The company's 5-year average ROIC is 5.6% with a gross margin of 79.1%. Total shareholder yield (dividends) is 3.6%. At current prices, the estimated annualized return to fair value is +1.8%.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a current P/E ratio of 12.0, compared to its historical median P/E of 11.5. The stock is currently considered Fair based on its historical valuation range.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a 5-year average return on invested capital (ROIC) of 5.6%. This is below average and may indicate limited pricing power.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a market capitalization of $25.0B. It is classified as a large-cap stock.
Yes, HUNTINGTON BANCSHARES INC /MD/ (HBAN) pays a dividend with a trailing twelve-month yield of 3.64%.
Based on historical P/E analysis, HUNTINGTON BANCSHARES INC /MD/ (HBAN) appears fair. The current P/E of 12.0 is 4% above its historical median of 11.5. The estimated fair value CAGR (P/E method) is 4.2%.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) operates in the National Commercial Banks industry, within the Financials sector.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) reported annual revenue of $12.5 billion in its most recent fiscal year, based on SEC EDGAR filings.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a net profit margin of 16.7%. This is a healthy margin.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) generated $2.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a debt-to-equity ratio of 0.76. This indicates moderate leverage.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) reported earnings per share (EPS) of $1.39 in its most recent fiscal year.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a return on equity (ROE) of 9.5%. This indicates moderate shareholder returns.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a 5-year average gross margin of 79.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 18 years of financial data for HUNTINGTON BANCSHARES INC /MD/ (HBAN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HUNTINGTON BANCSHARES INC /MD/ (HBAN) has a book value per share of $16.21, based on its most recent annual SEC filing.
No recent press releases.