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HBAN

Huntington Bancshares Incorporated

HBAN

Huntington Bancshares Incorporated • NASDAQ
$16.30 ▲ 0.18% (+0.03)
Market Cap $23.79 B
52w High $18.09
52w Low $11.92
Dividend Yield 0.62%
P/E 11.4
Volume 9.74M
Outstanding Shares 1.46B

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $3.228B ▲ $1.246B ▲ $629M ▲ 19.486% ▲ $0.41 ▲ $941M ▲
Q2-2025 $3.027B ▲ $1.197B ▲ $536M ▲ 17.707% ▲ $0.35 ▲ $651M ▼
Q1-2025 $2.983B ▼ $1.152B ▼ $527M ▼ 17.667% ▲ $0.34 $862M ▲
Q4-2024 $3.069B ▼ $1.178B ▲ $530M ▲ 17.269% ▲ $0.34 ▲ $799M ▲
Q3-2024 $3.078B $1.13B $517M 16.797% $0.33 $770M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $13.232B ▼ $210.228B ▲ $187.942B ▲ $22.248B ▲
Q2-2025 $15.001B ▼ $207.742B ▼ $186.772B ▼ $20.928B ▲
Q1-2025 $19.2B ▲ $209.596B ▲ $189.11B ▲ $20.434B ▲
Q4-2024 $17.211B ▼ $204.23B ▲ $184.448B ▲ $19.74B ▼
Q3-2024 $18.024B $200.535B $179.883B $20.606B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $633M ▲ $487M ▼ $-266M ▲ $2.158B ▲ $2.379B ▲ $595M ▲
Q2-2025 $542M ▲ $554M ▲ $-2.495B ▼ $-3.01B ▼ $-4.951B ▼ $500M ▲
Q1-2025 $531M ▼ $513M ▼ $-2.15B ▲ $4.1B ▲ $2.463B ▲ $459M ▼
Q4-2024 $534M ▲ $1.484B ▲ $-4.784B ▼ $3.562B ▲ $262M ▲ $1.457B ▲
Q3-2024 $522M $-438M $-2.881B $3.358B $39M $-480M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Cards And Payment Processing Revenue
Cards And Payment Processing Revenue
 $0 ▲$140.00M ▲$150.00M ▲$160.00M ▲
Insurance Revenue
Insurance Revenue
 $40.00M ▲$20.00M ▼$20.00M ▲$20.00M ▲
Leasing Revenue
Leasing Revenue
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Other Revenue
Other Revenue
 $10.00M ▲$0 ▼$0 ▲$30.00M ▲
Service Charges Revenue
Service Charges Revenue
 $110.00M ▲$50.00M ▼$60.00M ▲$70.00M ▲
Trust And Investment Management Services Revenue
Trust And Investment Management Services Revenue
 $0 ▲$100.00M ▲$100.00M ▲$100.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Huntington’s revenue has grown steadily over the past five years, showing that the bank has been successful at expanding its business and taking advantage of higher interest rates. Profit levels have held up reasonably well, even as costs, credit provisions, and funding expenses have risen, which is typical in a more volatile rate environment. Earnings per share have stayed fairly solid rather than accelerating, suggesting the bank is in a mature, stable phase rather than a hyper‑growth phase. Overall, the income statement points to a bank that is growing at a healthy pace but also feeling the usual pressures of operating in a competitive and rate‑sensitive industry.

Balance Sheet

Balance Sheet The balance sheet has become larger and more complex, with total assets rising meaningfully as Huntington has expanded lending and other activities. Cash and liquid assets have increased compared with a few years ago, which is a positive sign for flexibility and resilience in uncertain markets. Debt levels have also gone up, indicating greater leverage and funding needs, but shareholder equity has grown as well, which provides a thicker capital cushion. In simple terms, Huntington looks bigger and somewhat more leveraged than before, but not in a way that appears out of control, as capital has risen alongside growth.

Cash Flow

Cash Flow Huntington consistently generates positive cash flow from its core operations, which supports ongoing lending, dividends, and investments in technology. Operating cash flow spiked earlier in the period and has since normalized to more moderate levels, reflecting a move from an unusually strong environment back to a steadier one. Free cash flow has remained positive after capital spending, suggesting the bank is able to invest in its business while still leaving room for capital returns and balance sheet strength. The main message from the cash flows is that the business is self‑funding and not overly dependent on external financing for day‑to‑day needs.

Competitive Edge

Competitive Edge Huntington operates as a large regional bank with a strong presence in the Midwest and a growing footprint in faster‑growing Southern markets. Its “Fair Play” customer‑friendly features, such as overdraft relief and fee‑light checking, support a loyal deposit base and help distinguish it from many peers. The bank’s focus on specialty lending areas and middle‑market clients gives it depth in certain niches rather than trying to compete head‑on with the very largest national banks across every product. The flip side is that its competitive moat is relatively narrow: it faces pressure from big banks, community banks, and fintechs, and must execute well on service, pricing, and risk management to maintain its position.

Innovation and R&D

Innovation and R&D Huntington has invested heavily in digital tools and data analytics, with its “Hub” platform and AI‑driven Heads Up alerts aimed at giving customers proactive insights into their finances. The bank is using artificial intelligence for fraud detection, credit decisions, and marketing, and is beginning to explore generative AI to improve internal productivity and customer interactions. Products like Standby Cash, Money Scout, teen and caregiver banking, and the ChoicePay payments solution show a bias toward practical, customer‑centric innovation rather than flashy experiments. These efforts can deepen relationships and lower costs over time, but they also require continued spending, strong cybersecurity, and careful execution to deliver the expected benefits.

Summary

Overall, Huntington looks like a mature, growing regional bank that has expanded steadily while keeping profitability and capital in a generally healthy range. The balance sheet is larger and somewhat more leveraged, but supported by rising equity and better liquidity than earlier years. Cash flows are solid, indicating that the bank can fund its operations and technology investments from its own business. Competitively, Huntington leans on its customer‑friendly culture, strong deposit franchise, and specialty lending niches, while racing to stay ahead in digital banking and AI. The main opportunities lie in continued geographic expansion and deeper use of technology, while key risks center on credit quality, interest rate swings, competitive pressure, and the need to execute its growth and innovation plans without stretching its risk profile too far.

NEWS

November 18, 2025 · 10:00 AM UTC

The Partner Companies Secures $100+ Million Strategic Investment from Tensile Capital Management

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October 29, 2025 · 5:00 PM UTC

Huntington Bancshares Incorporated Decreases Its Prime Rate To 7 Percent

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October 27, 2025 · 8:24 AM UTC

HBAN Stock Alert: Halper Sadeh LLC is Investigating Whether the Merger of Huntington Bancshares Incorporated is Fair to Shareholders

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October 27, 2025 · 7:00 AM UTC

Huntington Bancshares Incorporated to Acquire Cadence Bank

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October 23, 2025 · 4:30 PM UTC

Huntington Bank Announces Treasury Management Connectivity Ecosystem to Empower Businesses with More Sophisticated, Personalized Financial Intelligence

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