US · HBAN
Huntington Bancshares Incorporated
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Columbus, OH 43287
- Website
- huntington.com
Price · as of 2025-12-31
$16.63
Market cap 24.85B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $26.57 | +59.77% |
| Intrinsic Value(DCF) | $14.96 | -10.04% |
| Graham-Dodd Method(GD) | $9.57 | -42.43% |
| Graham Formula(GF) | $18.45 | +10.92% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.55 | $26.42 | $5.20 | $7.29 | $0.78 |
| 2012 | $4.57 | $27.71 | $5.91 | $6.95 | $7.81 |
| 2013 | $6.22 | $24.03 | $6.38 | $7.33 | $2.28 |
| 2014 | $7.21 | $24.25 | $6.59 | $7.30 | $8.34 |
| 2015 | $6.51 | $26.42 | $6.77 | $7.48 | $12.46 |
| 2016 | $9.68 | $21.26 | $9.30 | $8.17 | $21.46 |
| 2017 | $11.55 | $30.57 | $9.44 | $7.72 | $35.45 |
| 2018 | $9.97 | $22.80 | $14.46 | $6.99 | $25.08 |
| 2019 | $8.39 | $20.67 | $9.91 | $6.54 | $20.66 |
| 2020 | $13.38 | $29.88 | $10.46 | $4.54 | $0.84 |
| 2021 | $12.27 | $33.84 | $13.15 | $5.63 | $24.04 |
| 2022 | $11.66 | $34.99 | $10.27 | $5.69 | $58.37 |
| 2023 | $12.43 | $36.64 | $33.91 | $5.56 | $56.90 |
| 2024 | $14.57 | $36.45 | $40.34 | $5.64 | $24.93 |
| 2025 | $16.97 | $26.57 | $15.63 | $9.57 | $18.45 |
AI valuation
Our deep-learning model estimates Huntington Bancshares Incorporated's (HBAN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $26.57
- Current price
- $16.63
- AI upside
- +59.77%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$14.96
-10.04% upside
Graham-Dodd
$9.57
-42.43% upside
Graham Formula
$18.45
+10.92% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HBAN | Huntington Bancshares Inc… | $16.63 | 24.85B | +60% | -10% | -42% | +11% | 11.26 | 1.03 | 2.01 | 5.83 | 80.81 | 1.43 | 61.70% | 21.53% | 17.71% | 10.11% | 13.11% | 1.04% | 0.76 | 0.62 | 0.19 | 0.19 | 6.21 | 1393.00% | 438.00% | 3624.00% | 9.08% | 0.02 | 13.40% | 4.05% | 45.60% | 4.05% | 5.83 | 6.88 | 1.25 | -0.43 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| FCNCA | First Citizens BancShares… | $1,898.15 | 23.26B | +71% | +34% | +30% | -51% | 10.93 | 1.08 | 1.66 | 11.56 | — | 1.11 | 61.44% | 20.49% | 15.22% | 9.92% | 10.77% | 0.97% | 1.62 | 0.60 | 1.03 | 1.03 | 4.53 | -1249.00% | -297.00% | 4253.00% | 8.59% | 0.02 | 10.11% | 0.67% | 7.30% | 13.22% | 13.22 | 18.97 | 2.71 | 0.33 |
| KEY | KeyCorp | $20.74 | 22.86B | +167% | +928% | -52% | +147% | 12.52 | 1.12 | 2.05 | 9.67 | — | 1.30 | 62.27% | 20.59% | 16.35% | 9.49% | 12.25% | 0.98% | 0.54 | 0.61 | 0.77 | 0.76 | 4.18 | -57500.00% | 2356.00% | 21369.00% | 8.21% | 0.01 | 12.59% | 4.60% | 57.60% | 17.82% | 9.74 | 11.95 | 2.01 | 0.07 |
| RF | Regions Financial Corpora… | $27.83 | 24.4B | +29% | +4% | -63% | -6% | 11.35 | 1.29 | 2.55 | -3.25 | 60.86 | 1.86 | 74.64% | 28.55% | 22.44% | 11.68% | -17.73% | 1.36% | 0.26 | 1.32 | 0.30 | 0.30 | -2.15 | 1865.00% | 251.00% | 5021.00% | 8.91% | 0.02 | -17.93% | 4.10% | 46.50% | 17.26% | -3.32 | -4.18 | -0.95 | -0.38 |
| SHG | Shinhan Financial Group C… | $66.81 | 32.18B | +6% | -45% | +15% | +17% | 4.87 | 0.40 | 0.63 | 5.06 | 99.59 | 0.44 | 44.03% | 17.04% | 12.58% | 8.30% | 6.41% | 0.64% | 2.68 | 0.34 | 0.33 | 0.33 | 14.86 | 489.00% | 466.00% | -216421.00% | 17.32% | 0.01 | 5.41% | 5.71% | 27.80% | 8.86% | 6.14 | 9.61 | 1.05 | -0.34 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| USB | U.S. Bancorp | $54.66 | 85B | +4% | -5% | +6% | -24% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
About Huntington Bancshares Incorporated
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers/REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.
- CEO
- Stephen D. Steinour
- Employees
- 20.09K
- Beta
- 0.96
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($14.96 ÷ $16.63) − 1 = -10.04% (DCF, example).