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Huntington Bancshares Incorporated

HBANL
44
Banks - Regional · Financial Services
Price
$24.62
-0.20 (-0.81%)
Market Cap
$33.96B
Exchange
NASDAQ Global Select
Winston Score
44
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Good
10/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Strong
8/10
Ownership
Weak
1/15
Dividends
Good
3/5

22 of 50 counted points = Winston Score 44. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count rising — dilution

+17.0% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 1.29B (2021) → 1.50B (2025)

§Winston Score History

The full picture

Huntington Bancshares is a regional bank holding company headquartered in Columbus, Ohio. It offers checking and savings accounts, loans, mortgages, credit cards, and wealth management services to consumers and businesses. With over 1,000 branches across the Midwest and parts of the eastern United States, it is one of the largest regional banks in the country.

Huntington makes money primarily from net interest income — the difference between what it earns on loans and what it pays on deposits — along with fees from services like treasury management and capital markets. Its strong deposit base across key Midwestern states gives it a durable local presence that is hard for competitors to replicate quickly. Growth depends on continued loan demand and expansion into newer markets, though rising credit losses or a prolonged economic slowdown could pressure earnings.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+37.7% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+8.6% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$38.5B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Huntington Bancshares Incorporated grew revenue 38% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+18.5%
Fast-growing sales (+18.5% YoY)
Profit growth
EPS YoY
+0.0%
Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
18.1x
Fair value — P/E 18.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+10.2
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (18.1 → 7.9)

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Dividends

Dividend
Dividend Yield
6.80%
Healthy income — 6.80% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+0.0%
Dividend flat
Payout Ratio
48%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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