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Earnings transcript
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HBAN
Huntington Bancshares Incorporated
$15.79
-0.09
(-0.57%)
| Exchange: | NASDAQ |
| Market Cap: | 23.353B |
| Shares Outstanding: | 107.811M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Stephen D. Steinour | |||||
| Full Time Employees: | 20092 | |||||
| Address: |
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| Website: | https://www.huntington.com |
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers/REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Strengths (preview)
- Robust Financial Performance: Huntington Bancshares reported strong Q3 2025 results, with key financial metrics reflecting solid revenue and net income growth as highlighted in the earnings call transcript. This performance underscores effective operational management and positions the company favorably within the banking sector.
- Positive Earnings Outlook: The earnings call summary indicates that results exceeded expectations, with disciplined financial management noted as a key driver. This suggests a strong ability to deliver consistent value to shareholders.
- Stable Valuation Metrics: The forward P/E ratio data (forward_pe_avg, forward_pe_high, forward_pe_low) indicates a reasonable valuation compared to industry averages (industry_avg_priceToEarningsRatioTTM), reflecting investor confidence in future earnings potential.
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HBAN intrinsic value between $16.51 – $16.66 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about HBAN valuation
Is Huntington Bancshares Incorporated (HBAN) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Huntington Bancshares Incorporated (HBAN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HBAN a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HBAN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HBAN’s P/E ratio?
You can see HBAN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HBAN?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HBAN a good long-term investment?
Whether HBAN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
HBAN
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-0.57
Trading Metrics:
| Open: | 15.59 | Previous Close: | 15.88 | |
| Day Low: | 15.43 | Day High: | 15.9 | |
| Year Low: | 11.92 | Year High: | 19.46 | |
| Price Avg 50: | 16.79 | Price Avg 200: | 16.82 | |
| Volume: | 18.815M | Average Volume: | 34.872M |
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YouTube Video Transcript: Comprehensive Stock Analysis of Huntington Bancshares (HBAN) Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive stock analysis of Huntington Bancshares, ticker symbol HBAN. If you’re looking to understand this regional banking powerhouse and whether it’s a buy, hold, or sell for your portfolio, you’ve come to the right place. We’ll cover everything from financials to recent performance, valuation, and even a SWOT analysis to give you the full picture. So, grab…
