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HBHBAN

Huntington Bancshares Incorporated

Strong FundamentalsStrong FundamentalsRevenue growing 38% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (190/wk), no spike
$HBAN·$35B·Banks - Regional·Financial Services
$17.36-0.2%YTD-0.1%1Y+4.3%
Mentions · last 7 days
2026-07-18: 11 posts2026-07-19: 36 posts2026-07-20: 10 posts2026-07-21: 20 posts2026-07-22: 22 posts2026-07-23: 53 posts2026-07-24: 38 posts190
Price updated 17h ago·X counts updated 17h ago
HBHBAN
$HBANHuntington Bancshares Incorporated
$17.36-0.23%190 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $HBAN, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersStalledAI verdict · as of 2026-07-24

The move has stalled — likely just drifts unless something new shows up.

Huntington's Q2 matched estimates on NII and fees; the tape is flat and X has nothing incremental.

Huntington Bancshares is a $35B regional bank with Q2 revenue of $4.17B and EPS of $0.38, matching consensus on both net-interest income and fee income. P/E is 12.8, debt-to-equity is 0.67 for the holding company, and the stock is essentially flat year-to-date at plus 0.1% with a 3.4% twelve-month gain.

  • Q2 2026 earnings call: net-interest income rose year-on-year alongside fee income, and management's commentary was consistent with steady deposit costs and modestly better loan growth
  • Key metrics against estimates were mixed: some line items beat, others came in line, so the print did not force a re-rating in either direction
  • No trusted-X chatter in the window; regional-bank retail attention has moved on to catalysts and away from steady compounders like HBAN
  • Analyst notes framed the print as workmanlike with modest positive fee income surprise

Regional banks trade on the yield-curve slope and credit costs; nothing in this print changes either. Dividend and buyback capacity look intact, but the near-term re-rating catalyst is macro, not company-specific. Watch net-interest-margin trajectory and non-performing-asset trends in Q3.

What to watch: Q3 net-interest margin trajectory; commercial-loan credit quality trend and provision build; deposit beta; any capital-return announcement in Q4.

On the calendar: Q3 2026 earnings release

no sentiment

Read the AI verdict + X sentiment for $HBAN

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Huntington Bancshares Incorporated, established in Columbus, Ohio, in 1866, operates as the bank holding company for The Huntington National Bank, providing a comprehensive suite of commercial, consumer, and mortgage banking services across the United States. Its operations are organized into four key segments. The Consumer and Business Banking segment offers essential financial products to individuals and small businesses, including checking, savings, money market, and certificate of deposit accounts, along with credit cards, various loans, and investment opportunities. This segment also facilitates mortgages, insurance, interest rate risk protection, foreign exchange, and provides convenient access through ATMs, online, mobile, and telephone banking. For larger entities, the Commercial Banking segment delivers specialized financial solutions to middle-market businesses, government and public sector organizations, and commercial real estate developers/REITs. It extends tailored services to industries such as healthcare, technology, telecommunications, franchise finance, sponsor finance, and global services, encompassing asset finance, capital raising, sales and trading, corporate risk management, institutional banking, and treasury management. The Vehicle Finance segment aids consumers in financing purchases of automobiles, light-duty trucks, recreational vehicles, and marine craft through dealerships, while also offering inventory financing for new and used vehicles to franchised dealerships. Finally, the Regional Banking and The Huntington Private Client Group segment focuses on delivering private banking, wealth and investment management, and retirement planning services. As of March 18, 2022, Huntington Bancshares maintained a significant footprint with approximately 1,000 branches operating across 11 states.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $HBAN.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.7%YTD
+18.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
12.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
20.4%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
6.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
8.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
63.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 23, 2026$0.33$0.36-8.0%
Q1 2026Apr 23, 2026$0.25$0.23+9.6%
Q4 2025Jan 22, 2026$0.31$0.33-6.3%
Q3 2025Oct 17, 2025$0.40$0.37+6.8%
Next earningsThu, Oct 22·consensus EPS $0.42

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$4.2B+37.7%64.9%21.5%$0.38—
Q1 FY26$3.8B+26.3%64.1%17.0%$0.26$400.0M
Q4 FY25$3.2B+5.8%63.2%19.4%$0.31$711.0M
Q3 FY25$3.2B+4.9%62.3%23.7%$0.41$595.0M

Forward consensus

4-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$11.3B$11.3B – $11.4B$1.49$1.47 – $1.515
FY27$12.3B$12.3B – $12.3B$1.91$1.88 – $1.934
FY28$13.0B$12.7B – $13.2B$2.12$1.69 – $2.263
FY29$8.2B$8.1B – $8.3B$1.73$1.71 – $1.752

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.54%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+3.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 2.0B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.9% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.955-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 25Marcy C HingstSEVP and General Counsel10.6K sh$190KSellJun 12James D RollinsDirector223.5K sh$3.9MBuyJun 4James D RollinsDirector4.8K sh$97KBuyJun 3James D RollinsDirector6.1K sh$120KBuyJun 2James D RollinsDirector11.1K sh$184K
+ 28 other (27 awards · 1 inkind) in window

See when $HBAN insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJun 88-K — Item 7.01: Press release / Reg FD
AI summary

HBAN filed an 8-K under Reg FD (Item 7.01), disclosing material non-public information simultaneously to all investors. The disclosure covers: Conference on Tuesday, June 9, 2026. This is typically an investor presentation, conference slides, or press release furnished as an exhibit. Reg FD filings ensure equal access to information for all investors; the substantive data is in the attached exhibit.

8-KPress release / Reg FDMay 278-K — Item 7.01: Press release / Reg FD
AI summary

HBAN filed an 8-K under Reg FD (Item 7.01), disclosing material information simultaneously to all investors. Disclosure: Conference on Thursday, May 28, 2026. This is typically an investor presentation or press release furnished as an exhibit; the substantive data is in the attached exhibit.

8-KShareholder voteApr 248-K — Item 5.07: Shareholder vote
8-KPress release / Reg FDMar 108-K — Item 7.01: Press release / Reg FD
3New insider — initial holdingsFeb 183
8-KPress release / Reg FDFeb 98-K — Item 7.01: Press release / Reg FD
3New insider — initial holdingsFeb 33
3New insider — initial holdingsFeb 33
+ 30 other (7 13Gs · 5 routine 8-Ks · 3 earnings 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Bessemer Group Inc. Buys 37,451 Shares of Huntington Bancshares Incorporated $HBANdefenseworld.net·1d agoHuntington Bancshares Incorporated Declares Quarterly Cash Dividends On Its Common and Preferred Stocksprnewswire.com·2d agoHuntington Bancshares Incorporated (HBAN) Q2 2026 Earnings Call Transcriptseekingalpha.com·2d agoHuntington Q2 Earnings Match Estimates as NII & Fee Income Rise Y/Yzacks.com·2d agoHuntington Bancshares Q2 Earnings Call Highlightsmarketbeat.com·2d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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