Huntington Bancshares Inc (HBAN) stock analysis
Huntington Bancshares Inc (HBAN) clears 8 of this site's 8 mechanical value filters, 4 of 8 Buffett-style checks and 4 of 5 Lynch-style checks. A free-cash-flow DCF does not fit banking companies, so no margin of safety is shown. It returns +2.5% to shareholders net of dilution. Figures are as of October 23, 2026, from SEC filings and market data refreshed weekly; this is educational analysis, not investment advice.
Data as of October 23, 2026. Refreshed weekly from SEC filings and market data.
What does Huntington Bancshares do?
Huntington Bancshares is a regional bank holding company serving consumers and businesses mainly in the Midwest.
What stands out about Huntington Bancshares?
- No filter fails. HBAN passes 8 of the 8 value filters. See every filter.
- Close to its 52-week low. At $15.66, HBAN is 4.3% above its low of $15.02 and 18.7% below its high of $19.27. See the range.
- Strongest against peers: net margin. At 31.2% (peer median 28.8%) it ranks 2nd of 13 among banking stocks this site tracks. See the ranking.
- Weakest against peers: return on equity. At 9% (peer median 11%) it ranks 12th of 13 among banking stocks this site tracks. See the ranking.
How has Huntington Bancshares' share price moved?
The interactive price chart needs JavaScript.
Is Huntington Bancshares undervalued? The value diligence check
Every value-investing signal this site computes for this stock, gathered in one place: the same real numbers from the tools below, not a new score.
- Margin of safety (DCF) n/a (Banking)
- P/E vs. its own history 13.2x · the middle Real range: 9.2x–15.3x over 5 years (net income per diluted share from each fiscal year's 10-K, paired with the real closing price at that fiscal year-end).
- Wall St. analyst rating Buy · 3.96/5 26 analysts this month: 6 strong buy, 13 buy, 7 hold, 0 sell, 0 strong sell (Finnhub).
- Altman Z″-Score (bankruptcy risk) n/a (Banking)
- Earnings quality (is the profit real?) n/a (bank, insurer or REIT)
- Shareholder yield (cash back to owners) +2.5% net Latest fiscal year (2025): dividends 2.9% + buybacks 0.0% − stock comp 0.4%, as a share of today's market cap. Over 14 years its split-adjusted share count rose 73%. See Shareholder Yield Leaders.
- Capital needed to grow (See's test) n/a (bank, insurer, lender or REIT)
- PEG (growth at a reasonable price) 0.92 · About fair P/E 13.2× ÷ 14.3% a year of growth behind it. 82nd lowest of 447 stocks with a usable PEG. Lynch's fair value is a PEG of 1; a very high PEG usually means almost no growth, a very low one a profit spike. See PEG Ratio Ranking.
- Compounder lenses (4) 2 of 4 · misses capital-light (n/a), real profit (n/a) Capital-light growth: cannot be measured (bank, insurer, lender or REIT); Profit is real: cannot be measured (bank, insurer or REIT); Cash to owners: cleared; Fair price (PEG): cleared. See Compounders at a Fair Price, which also lets you move the PEG bar.
- Munger's Inversion Check 0 flags
- Standing vs. sector peers 2 of 4 measures above the median Compared with the 12 other banking stocks this site tracks: 1 in the top third, 2 in the bottom third.
- Dividend payout sustainability 0/6 · clean
How does Huntington Bancshares compare with its peers?
2 of 4 measures sit above the median of the 12 other banking stocks tracked here, 1 in the top third and 2 in the bottom third.
- P/E ratiolower is cheaper · peer median 11.1× 13.2× ✕11th of 13
- Return on equityhigher is better · peer median 11% 9% ✕12th of 13
- Net marginhigher is better · peer median 28.8% 31.2% ✓2nd of 13
- Dividend yieldamong dividend payers · peer median 3.36% 3.65% –5th of 13
Peers are the stocks this site tracks in the same sector group, not every listed competitor. The bar runs from the weakest peer (left) to the strongest (right); the tick is the middle. Measures that don't apply to a sector (cash-flow yield for banks, debt for financials) are left out.
What would Buffett & Lynch say?
Buffett's checklist is built around durable, profitable businesses bought at sensible prices, and HBAN doesn't clear enough of it yet. In its favor: HBAN converts sales into profit at healthy margins, has grown earnings per share at a solid clip over five years, is trading below what a conservative discounted-cash-flow estimate says it's worth - his own "price is what you pay, value is what you get" test, not a fixed multiple ceiling, and trades at a reasonable multiple of owner earnings, his own term for the real cash a business could pay out. Where it comes up short: HBAN isn't clearing the return-on-equity bar he'd want to see right now, and its five-year average return on equity falls short too, so this isn't just a one-off dip, carries more debt relative to equity than he typically tolerates, and doesn't cover its interest expense as comfortably as he'd want.
- ROE (TTM) > 11% ✕
- ROE (5yr avg) > 11% ✕
- Debt/Equity < 0.5 ✕
- Pretax margin > 15% ✓
- EPS growth (5yr) > 7% ✓
- Interest coverage > 5x ✕
- Trading below intrinsic value (DCF) ✓
- Price vs. owner earnings < 25x ✓
Lynch looked for growth stories that weren't overpriced for that growth, and HBAN falls short of his bar. In its favor: HBAN pays a real dividend, the actual reason he bought slow growers at all, isn't over-leveraged for a company of its type, is cheap enough for a business with limited growth ahead of it, and converts earnings into real cash at a reasonable price. Where it comes up short: HBAN isn't even growing at the modest pace he'd expect from a slow grower.
- Dividend yield > 2.5% ✓
- EPS growth 0%-10% ✕
- Debt/Equity < 0.6 ✓
- P/E < 20 ✓
- Price/FCF < 25 ✓
Quantitative approximations of each investor's documented approach, not endorsed by either investor or their estates - commentary, not this site's actual ranking criteria. Buffett never published a numeric checklist: only 2 of his 8 checks here trace to his own documented concepts ("owner earnings," from his 1986 shareholder letter, and "price is what you pay, value is what you get," his case against fixed P/E/P/B ceilings) - the other 6 (ROE, debt, margins, growth, interest coverage) use commonly-cited thresholds that are not numbers he himself published. The 8 hard filters below (plus the Munger check and Graham margin of safety) are this site's real, mechanical screen and are computed completely independently of the checklists above.
Berkshire Hathaway's own filing
Which of the 8 value filters does Huntington Bancshares pass?
- Market Cap > $25B $31.7B
- Trailing P/E < 25 13.23
- PEG Ratio < 1.5 0.92
- Price/Book < 8 0.97
- Price/Sales < 7 2.07
- EPS Growth YoY > -5% -1.9%
- vs 50-day MA (±12%) -3.2%
- vs 200-day MA (±12%) -6.5%
What is Huntington Bancshares' margin of safety?
A standard free-cash-flow DCF doesn't fit how banking companies report cash flow.
Where is Huntington Bancshares in its 52-week range?
What is the short interest in Huntington Bancshares?
54,908,234 shares short as of 2026-09-30 (FINRA settlement date). Reported twice a month, so this only changes roughly every two weeks, not daily.
What could go wrong with Huntington Bancshares? Munger's inversion check
"Invert, always invert." Instead of reasons to buy, these are reasons to hesitate, not a verdict, and not everything worth knowing about a business.
- Margin of safety, even in the bull case n/a (Banking)
- Short interest under 5% of float 2.7%
- Passes most of the 6 fundamental filters 6/6 passed
Doesn't cover circle of competence, management quality, or accounting concerns: those need judgment, not data.
How much have Huntington Bancshares shareholders gained per year?
Earnings growth per share plus dividend.
An earnings-based proxy, not a stock-price total return - it doesn't capture multiple expansion/contraction or reinvested dividends. EPS from HBAN's own 10-K filings; dividend yield is the current trailing yield on today's price, from the same weekly fetch as the rest of this site.
What do Huntington Bancshares' 10-year financials show?
From HBAN's own 10-K filings (SEC EDGAR): up to the last 10 fiscal years. Press any year's bars for the exact figures.
Frequently asked questions about Huntington Bancshares
What kind of company is Huntington Bancshares?
Huntington Bancshares is a regional bank holding company serving consumers and businesses mainly in the Midwest. This site groups it with Banking stocks.
Why does Huntington Bancshares have no margin of safety on this site?
This site's DCF values a company from its free cash flow, and that does not fit banks, whose operating cash flow swings with deposits and loans rather than with what is left over for owners. So HBAN gets no margin of safety; judge it on the other checks on this page, such as its filters, shareholder yield and ranking against its peers. The method is in the Intrinsic Value Calculator.
How many of this site's 8 value filters does Huntington Bancshares pass?
HBAN passes 8 of 8. It passes Market Cap > $25B ($31.7B), Trailing P/E < 25 (13.23), PEG Ratio < 1.5 (0.92), Price/Book < 8 (0.97), Price/Sales < 7 (2.07), EPS Growth YoY > -5% (-1.9%), vs 50-day MA (±12%) (-3.2%) and vs 200-day MA (±12%) (-6.5%). The 8-filter list shows every stock that passes all of them.
How much cash does Huntington Bancshares return to shareholders?
HBAN's net shareholder yield is +2.5%: the cash it returns through dividends and buybacks, minus stock-based compensation, as a share of its market value. Latest fiscal year (2025): dividends 2.9% + buybacks 0.0% − stock comp 0.4%, as a share of today's market cap. Over 14 years its split-adjusted share count rose 73%. Its trailing dividend yield is 3.65%, paid out of 50% of its free cash flow; the dividend-sustainability check raises 0 of 6 flags. See Shareholder Yield Leaders and the Sustainable Dividend Screener.
How fast has Huntington Bancshares grown its revenue and profit?
From fiscal 2016 to fiscal 2025, HBAN's revenue grew from $2.6 billion to $10.3 billion, 16.4% a year. Net income went from $712 million to $2.2 billion, and its net profit margin from 27.1% to 21.4%. Earnings per share went from $0.77 to $1.47 on today's share count, 7.4% a year. All figures are from HBAN's own 10-K filings (SEC EDGAR) and are shown year by year in the 10-Year Financials section of the card above.
Where is Huntington Bancshares trading compared with its 52-week range?
At $15.66, HBAN trades 4.7% above its 52-week low of $15.02 and 18.7% below its 52-week high of $19.27. The Near 52-Week Low list tracks stocks in that position.
Where do these numbers come from?
- Financial statements: Huntington Bancshares's 10-K annual report for the year ended Dec 31, 2025, filed Feb 13, 2026 (filing index). Every earlier year in the 10-year financials comes from the company's older 10-K filings, all listed on SEC EDGAR.
- Prices and market data: quotes, P/E and analyst ratings from Finnhub; daily price history and the 52-week range from Twelve Data, both refreshed weekly. Short interest comes from FINRA, reported twice a month.
- How to check a figure: click any number in the card above to see its exact source, and read the Editorial Standards for every rule behind the checks.
About this Huntington Bancshares Inc analysis
This page shows every value-investing check the site runs on Huntington Bancshares Inc (HBAN) in one place: the 8 mechanical filters, the Buffett and Lynch checklists, a margin of safety from a disclosed DCF, earnings quality, shareholder yield and how it ranks against its sector peers. The numbers come from SEC filings and public market data, refreshed weekly, and the same rules apply to every stock on the stock list. See Editorial Standards for the sources and the rules, or run your own filters in the stock screener.