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HBANM

Huntington Bancshares Incorporated

HBANM

Huntington Bancshares Incorporated • NASDAQ
$22.25 ▼ -0.33% (-0.07)
Market Cap $32.62 B
52w High $25.39
52w Low $21.38
Dividend Yield 1.78%
P/E 28.6
Volume 5.83K
Outstanding Shares 1.06B

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 Q3-2024Q4-2024Q2-2025Q3-2025
Cards And Payment Processing Revenue
Cards And Payment Processing Revenue
 $140.00M ▲$0 ▼$150.00M ▲$160.00M ▲
Insurance Revenue
Insurance Revenue
 $20.00M ▲$20.00M ▲$20.00M ▲$20.00M ▲
Leasing Revenue
Leasing Revenue
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Other Revenue
Other Revenue
 $0 ▲$0 ▲$0 ▲$30.00M ▲
Service Charges Revenue
Service Charges Revenue
 $60.00M ▲$60.00M ▲$60.00M ▲$70.00M ▲
Trust And Investment Management Services Revenue
Trust And Investment Management Services Revenue
 $90.00M ▲$0 ▼$100.00M ▲$100.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Huntington’s income statement shows a bank that has grown meaningfully while keeping earnings fairly steady. Revenue has moved up clearly over the past few years, helped by a larger balance sheet and higher interest income. However, profit margins have not expanded in the same way; operating and net income are relatively flat compared with the rise in revenue. That suggests rising costs, competitive pricing pressure, or higher credit and funding costs are absorbing much of the growth. Overall, it looks like a mature, stable earnings profile with solid scale, but not a story of rapidly improving profitability.

Balance Sheet

Balance Sheet The balance sheet has grown substantially, with total assets and customer business expanding over time. Cash levels have improved in recent years, which helps liquidity and flexibility, even as funding and borrowing have increased. Debt has risen, but so has the bank’s equity base, which supports its capital position and cushions against shocks. The picture is of a larger, more complex bank that has added size and resources, while still maintaining a capital structure that appears balanced rather than aggressive. The key watchpoint is how well asset quality and capital hold up through different credit and interest-rate cycles.

Cash Flow

Cash Flow Huntington consistently generates positive cash from its core operations, which is a good sign for the underlying health of the franchise. Operating cash flow has moved up and down year to year, but it has been more than enough to cover investment needs. Free cash flow remains positive and relatively strong, even after the bank spends on technology, systems, and physical infrastructure. Capital spending is modest compared with the cash coming in, which leaves room for flexibility in dividends, debt management, and strategic initiatives. The main risk would be a downturn that pressures credit quality and reduces operating cash, but the recent record shows resilience.

Competitive Edge

Competitive Edge Within regional banking, Huntington occupies a solid, relationship-driven niche, particularly in the Midwest and with small and mid-sized businesses. Its “people-first” positioning, combined with a well-developed digital offering, helps it compete against both national banks and newer fintechs. The Hub platform and its financial wellness tools create a more interactive and advisory-style banking experience, which can deepen loyalty and reduce price-based competition. Still, Huntington faces the same structural pressures as peers: intense competition for deposits, sensitivity to interest rates, and the need to manage credit risk across economic cycles. Its edge comes less from sheer size and more from service quality, regional depth, and digital engagement.

Innovation and R&D

Innovation and R&D Although banks don’t report R&D the way tech firms do, Huntington appears to treat technology investment as a core strategic priority. The Hub, with its AI-driven alerts, budgeting tools, and tailored business and wealth interfaces, shows a focus on proactive, data-driven customer support rather than just basic online banking. Partnerships, such as those powering advisor-matching and wealth tools, and the venture studio with Alloy Partners, indicate a willingness to experiment and co-build new fintech solutions. This can open new revenue streams and strengthen the customer experience, but also carries execution risk and the challenge of integrating new ideas into a regulated, risk-sensitive environment. Overall, Huntington looks more innovative than a typical regional bank, with an emphasis on digital features that reinforce its customer-first brand.

Summary

Huntington Bancshares comes across as a steadily growing regional bank that has scaled up its franchise and digital capabilities without taking on visibly extreme financial risk. Revenue growth has been strong, while profits are steady rather than surging, pointing to a franchise that is expanding but still managing cost and margin pressures. The balance sheet and cash flows suggest a generally sound, well-capitalized institution with ongoing capacity to invest and adapt. Competitively, Huntington leans on a mix of regional relationships, business banking strength, and differentiated digital tools, which together form a modest but tangible moat. Future performance will hinge on how well it navigates interest-rate cycles, credit quality, regulatory demands, and the execution of its innovation and expansion plans.

NEWS

September 12, 2025 · 4:16 PM UTC

Huntington Bancshares Incorporated Declares Cash Dividend On Its Series I Preferred Stock

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