Huntington Bancshares Incorporated (HBAN)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-26 close of $15.73, FairStock calculates a P/E of 12.89, P/B of 1.08, dividend yield of 3.94%, ROE of 9.19%, PEG of 0.36 and Piotroski F-score of 7/9. That is not an expensive price for a regional bank, but a 9.19% ROE is only modest, so 1.08 times book leaves limited margin of safety if credit turns. Filed figures show fiscal year 2025, ended 2025-12-31, revenue of $1.6B, net income of $2.2B and diluted EPS of $1.39; fiscal year 2024, ended 2024-12-31, revenue of $1.5B, net income of $1.9B and EPS of $1.22; and fiscal year 2023, ended 2023-12-31, revenue of $1.4B, net income of $2.0B and EPS of $1.24. EPS has moved from $1.24 to $1.22 to $1.39, so the trend is decent but not smooth. The quarterly filed numbers are odd—fiscal Q1 2026, ended 2026-03-31, shows revenue of $472.0M and net income of $523.0M, while fiscal Q3 2025, ended 2025-09-30, shows revenue of $424.0M and net income of $629.0M—so I would not treat the revenue line as clean without checking. Regional banking has no wide moat; scale, deposits and underwriting matter. CET1, NIM, efficiency ratio, charge-offs/NPLs and combined ratio are not in the data. The computed Lynch category is FAST GROWER: profit 22.0% a year over five years, revenue 12.1%. FairStock score 62/100 and the $14.82-$19.46 52-week range suggest a fair-to-cheap bank, not a bargain.

In plain English: Huntington Bancshares is a regional bank that takes deposits and makes loans to consumers and businesses. The business looks reasonably profitable and pays a solid dividend, but earnings have not grown in a straight line and some reported figures look uneven. At the recent price, the stock looks somewhat inexpensive relative to its assets and earnings, though not a screaming bargain.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer