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HBAN

Huntington Bancshares

NASDAQFinancialsBanks - RegionalSnapshot 2026-05-08

$16.12-0.43%
Close 2026-05-08 · 1-day change
The bottom line

As of May 8, 2026, HBAN has a composite score of 7.8 and a signal label of "mixed." The score reflects a medium confidence level of 75.0. Key drivers include macroeconomic factors such as rates, growth, labor, and inflation, with a macro score of -7.7 indicating unfavorable conditions. The overall risk is categorized as moderate, with a valuation score of 68.8 labeled as fair. This analysis is provisional.

Composite +7.8as of 2026-05-08

Price

Daily closes from AlphaVantage. Earnings/event dots are placed inline.

Close 2026-05-08
Daily closes. Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event

Factor signals

Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.

L1

Thesis

is this a strong company over a 1–3 year hold?
F1 · Recent financial performance
strong
Top 30% of financials cohort
Why this rank
  • Direction share
    1.00
  • Slope (norm)
    0.01
  • Bonus
    0.00
Operating income, last 4 quarters ($M)
510638766489
F2 · Value
cheap
Cheapest 30% of financials cohort
Why this rank
Price
$16.12
TTM EPS
$1.34
Earnings yield
8.3%
P/E (TTM)
12.0

Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3

F3 · Earnings quality
fragile
Bottom 30% cash conversion in financials cohort
Why this rank
TTM NI ($M)
1,940
TTM CFO ($M)
1,836
CFO/NI
0.95
L2

Watch

has something changed worth re-reading?
F4 · Management stability
stable
Top 20% activity in financials cohort· see deep-dive ↓
neutral
Earnings setup · pre-print positioning
forward-looking
neutralEPS revised -4.0% / 30d, n=15for period ending 2026-06-30
Why this setup
Consensus revisions

EPS estimate $0.37 → $0.36 (-4.0% / 30d). 2 raised, 8 cut, 15 covering analysts.

Rating actions

0 upgrades, 0 downgrades / 30d, 1 maintained. 79% of analysts rate Buy.

Price target activity

1 PT revisions / 30d. Avg target 8.3% above current price.

Material events

0 positive, 0 negative / 30d.

F4 · Management deep-dive — recent events, stated priorities, guidance track record
1

Recent 8-K events

1 material event in the last 24 months — top 1 listed below.

2

Stated priorities

1 priority extracted from earnings transcripts (as of 2026-05-08).

  1. 1.Drive strong organic growthgrowthbehind0% progressprovisional
    1/22: Management stated: 'Looking ahead, our focus for 2026 remains on driving strong organic growth.'
    Why this status

    Newly stated in 2026-Q1. Despite the focus on organic growth, revenue declined from $424M in 2025-Q3 to $331M in 2025-Q4. The trajectory shows limited progress towards the growth objective.

3

Guidance track record

Insufficient guidance history for this ticker.

L3

Position context

how violent might the path be while I hold it?
Risk profile · realized
backward-looking
moderateworst 12m loss −21%, typical day ±1.3%
Why this risk level

Recent vol — 30d annualized 26%; 252d 26%.

Drawdown — Max 1y −21%. Bad day move −3%.

Beta to sector ETF (XLF) 1.32 over 1y.

Liquidity — score 100/100.

Sub-scores — vol 56/100, drawdown 58/100, beta 68/100, earnings vol .

Sector regime
headwind-9.7%sector vs S&P 500, 60d

via XLF

Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.

AI cycle regime · market-wide
2-axis classifier
HeatingManiaSquallCrisisEarnings →Mood ↑
HeatingE +0.13 · M +0.71
Single-axisCHASEz +2.97+1.285d

Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.

Not investment advice. As of 2026-05-08.

3

What changed

The most important moves since the prior daily snapshot.

  1. No material changes since the prior snapshot.

No material changes since the prior snapshot.

as of 2026-05-08

4

Management scorecard

How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.

Composite49.3 / 100
Capital allocation41
Earnings discipline73
Margin discipline39
Balance sheet45
Guidance credibility
Post-call reaction51
as of 2026-05-08
4

What management is focused on

Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.

  • #1

    Drive strong organic growth

    GrowthNew since 2026-05-04

    Focus on driving strong organic growth throughout 2026.

    Behind

    Newly stated in 2026-Q1. Despite the focus on organic growth, revenue declined from $424M in 2025-Q3 to $331M in 2025-Q4. The trajectory shows limited progress towards the growth objective.

    Revenue declined from $424M in 2025-Q3 to $331M in 2025-Q4
    0%
    CEO/CFO:Management stated: 'Looking ahead, our focus for 2026 remains on driving strong organic growth.'
    Multiple sourcesSource dated 2026-01-22Stated 1 of last 8 quartersFirst seen 2026-05-04provisional
    Show history (1)
    • 2026-Q1Multiple sources

      Looking ahead, our focus for 2026 remains on driving strong organic growth.

as of 2026-05-08
5

How this stock is priced

Two ways to read price: against peers in the same business, and against the company's own history.

Compared to peers
67higher = cheaper

Roughly priced in line with peers.

Compared to its own history
78higher = cheaper

Cheaper than its own typical valuation.

P/E
11.8x
EV/EBITDA
10.6x
FCF yield
8.3%

P/E over the last 5 years

71 monthly points
fairas of 2026-05-08
7

How this compares

A side-by-side read on composite, valuation, and risk versus peers.

StockCompositeValuationRisk
HBAN
Huntington Bancshares
+7.8fairmoderate
BRK-B
Berkshire Hathaway
+6.0moderate
JPM
JPMorgan Chase
-0.9fulllow
V
Visa Inc.
+20low
MA
Mastercard
+15fulllow
8

Risk — how this stock moves

What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.

A typical day
How much price usually moves either way.
1.3%
A bad day (95th %ile)
A rough but not unusual down day.
-2.8%
Worst 12-month loss
Deepest peak-to-trough drop in the last year.
-21.3%
Earnings-day move
How much price usually moves on earnings day.
moderateas of 2026-05-08
9

What could change this view

Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.

Upside triggers
  • If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
  • If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
  • If next-quarter guidance is raised (currently NEW as of 2026-01-22)+4.0 pts
Downside triggers
  • If next-quarter guidance is cut (currently NEW as of 2026-01-22)-8.0 pts
  • If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
10

Material updates

Recent SEC 8-K filings ranked by likely impact, confidence, and recency.

  1. 2026-04-2316d agoItem 2.02

    Huntington’s senior management will host an earnings conference call on April 23, 2026, a t 9:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington’s website, www.ir.huntington .com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13759583. Slides will be available in the Investor Relations section of Huntington’s website about an hour prior to the call. A replay of the webcast will be archived in t…

    earnings preannouncementneutralscore 46
  2. 2026-04-2316d agoItem 8.01

    Other Events. On April 23, 2026, Huntington Bancshares Incorporated (Nasdaq: HBAN) announced that its Board of Directors ("Board") declared a quarterly cash dividend on the company’s common stock of $0.155 per common share, unchanged from the prior quarter. The common stock cash dividend is payable on July 1, 2026, to shareholders of record on June 17, 2026. The Board also declared quarterly cash dividends on the following six series of its preferred stock payable July 15, 2026, to their resp…

    capital allocationneutralscore 36
11

Score history

The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.

60 snapshots
Data freshness · As of 2026-05-08 · Macro 2026-05-08 · Sector 2026-05-07 · Fundamentals 2026-02-13 · Price 2026-05-07 · Generated 2026-05-08 · Spec 2.3

Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.