Huntington Bancshares (HBAN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$16.06+1.26%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · HBAN
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.3% |
| Our one-year growth estimate | diamond | -4.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 8.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
HBAN — earnings in line
Dated 2026-10-22
Huntington’s senior management will host an earnings conference call on October 22, 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.huntington-ir .com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13762987. 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…
Why it matters: The loan loss rate rose from 0.25% to 0.31% in Q3. A further rise would point to more stress in the loan book.
Worry ifThe Q4 net charge-off ratio is above 0.31%, Q3’s reported level.
Less concerning ifThe Q4 net charge-off ratio is 0.31% or lower.
Why it matters: Q3 margin rose to 3.25%, lifting net interest income. A fall would show that deposit costs or lower asset yields are weighing on earnings.
Watch forQ4 net interest margin is above 3.25%, and net interest income is above Q3’s $2.069 billion.
Also watch forQ4 net interest margin is below 3.25%, and net interest income is below Q3’s $2.069 billion.
Why it matters: The board kept the dividend at $0.155 per share in October. Another payment at that rate would support the stated capital plan.
Supportive ifA board notice declares a common dividend of $0.155 per share for the next quarter.
Worry ifA board notice cuts or suspends the common dividend below $0.155 per share.
Why it matters: Huntington says it is reaching its cost and revenue goals from both deals. Lower costs would back that claim.
Supportive ifAcquisition costs fall from Q3’s $117 million. Noninterest expense stays flat or falls from $1.772 billion.
Worry ifAcquisition costs rise above $117 million. Or noninterest expense rises from $1.772 billion without more revenue.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$94 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $276 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,126 loss on $10,000 · 21.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Average loans fell 0.4% in Q3, as C&I gains did not offset CRE and consumer declines. Growth would support Huntington’s organic growth goal.
Supportive ifQ4 average loans and leases rise from Q3’s $188.4 billion, with C&I growth continuing.
Worry ifQ4 average loans fall again, with CRE and consumer balances still declining.