Huntington Bancshares (HBAN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$17.03-0.18%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -7.0% |
| Our one-year growth estimate | diamond | 3.6% |
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 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 10.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
HBAN — earnings in line
Dated 2026-07-23
Huntington’s senior management will host an earnings conference call on July 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 #13761371. 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 th…
Why it matters: Higher net charge-offs could signal credit quality issues. Investors will watch for signs of stress in the loan portfolio.
Worry ifNet charge-offs remain at or below 0.25% of average total loans and leases.
Less concerning ifNet charge-offs are above 0.25%. This shows possible credit problems.
Why it matters: If integration is successful, it could lead to more growth. It would also support the acquisition plan.
Supportive ifManagement says the Cadence integration is on track to finish in June.
Worry ifIf there are delays or big problems during integration, it could be a concern.
Why it matters: Earnings results will show if growth trends continue or slow down. Investors will focus on net interest income and loan growth.
Watch forQ3 earnings per share (EPS) exceeds $0.33, indicating strong performance.
Also watch forQ3 EPS falls below $0.33, suggesting growth may be slowing.
Why it matters: Keeping the dividend shows financial health and care for shareholders. It shows how management uses money.
Watch forThe Board declares the dividend at $0.155 per share for the next quarter.
Also watch forThe Board reduces the dividend below $0.155 per share.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$103 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $284 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: Recent court cases could change Huntington's finances. This may impact investor trust.
Worry ifA court decision helps Huntington. It lowers possible financial costs.
Less concerning ifA court decision that hurts Huntington by raising financial costs.
Why it matters: The dividend news shows how confident management is. It reflects their views on cash flow.
Supportive ifThe dividend remains unchanged or increases from $0.155 per share.
Worry ifThe dividend is cut from the current $0.155 per share.
Why it matters: Court cases can hurt financial health and focus of management. This may shake investor trust.
Worry ifCourt cases end well, lowering risks to operations.
Less concerning ifCourt cases cause big fines or problems in operations.
Why it matters: Strong organic growth shows Huntington is executing its strategy well. This can boost investor confidence.
Supportive ifOrganic growth metrics are up over 5% from last year.
Worry ifOrganic growth metrics are down or stay the same from last year.
Why it matters: Huntington is behind on its goal to drive strong organic growth. Improvement signals better performance.
Supportive ifQ2 organic growth metrics show an increase compared to Q1.
Worry ifQ2 organic growth metrics decline or remain flat compared to Q1.
Why it matters: Success in growth plans shows Huntington is growing its market share.
Supportive ifManagement says they have more new customers. They also keep customers better.
Worry ifNew customer numbers drop or do not improve.
Why it matters: Growth under 5% suggests weak deposit trends. This affects funding and growth plans.
Worry ifAverage total deposits grow less than 5% from the previous quarter's $223.4 billion.
Less concerning ifAverage total deposits grow by 10% or more. This shows strong deposit growth.
Why it matters: More nonperforming assets may show that credit quality is getting worse.
Worry ifNonperforming asset ratio exceeds 1% at the end of Q3.
Less concerning ifNonperforming asset ratio stays at or below 0.85%.
Why it matters: Earnings results will provide insights into performance and growth trends.
Watch forEarnings beat expectations, showing strong revenue growth.
Also watch forEarnings fall short of expectations, showing weaker results.
Why it matters: Court case results could change Huntington's ability to pay dividends.
Worry ifGood court case results allow for continued dividend payments.
Less concerning ifBad court case results lead to higher costs or less money for dividends.
Why it matters: Slower growth in net interest income may show problems in making money.
Worry ifQ3 net interest income growth below 5% compared to Q2.
Less concerning ifQ3 net interest income growth remains above 5% compared to Q2.
Why it matters: Slower loan growth may show less demand or more competition.
Worry ifAverage total loans growth below 5% compared to Q2.
Less concerning ifAverage total loans growth remains above 5% compared to Q2.