Financials · Regional Banks · US stock · price as of 22 Oct 2026
Key indicators
Price
$15.66
52-week range
$14.82 – $19.46
Market cap
$29.8B
P/E (trailing)
11.3×
Dividend yield
4.0%
Revenue (last 12 months)
$1.7B
Revenue growth (3y a year)
5.8%
Price / book
0.9×
Return on equity
6.8%
Fair value
Fair value (average of valid models)$15.44 middle half of models $15 – $16
Versus priceFair−1% to fair value
P/E multiple
$15.33
P/B multiple
$17.23
P/S multiple
$13.75
Model uncertainty
Medium
X-Ray Score
39/ 100 · Medium confidence · ahead of 21% of sector peers
Valuation41
Growth27
Profitability34
Financial health50
Dividends49
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
Huntington Bancshares is a regional bank holding company based in Ohio that serves consumers, small businesses and corporate clients, mainly across the Midwest. Its bank offers checking and savings accounts, loans, mortgages, credit cards, payments, wealth management and commercial banking through branches, digital channels and a network of ATMs. Customers are individuals, families and companies of many sizes in the communities where it operates.
Revenue comes from the difference between interest earned on loans and paid on deposits, together with fees from payments and wealth management. On the site's figures, revenue was $1.7 billion over the last twelve months, growing at 5.8% a year across the last three years. The company pays a dividend with a yield of 4.0%.
StocksXray gives Huntington Bancshares Inc an X-Ray Score of 39 out of 100 (medium confidence), ahead of 21% of the S&P 500 stocks in its sector. Its strongest lens is financial health (50) and its weakest is growth (27).
Our fair value (the average of the valid models) is $15.44 (range $14.54 to $16.28). At $15.66 the stock trades 1% above that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Huntington Bancshares Inc (HBAN)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$12.49
$11.94
$11.38
$15.22
$16.85
$15.66
Market cap
$16.1B
$17.5B
$16.7B
$22.5B
$25.4B
$29.8B
P/E
13.9×
8.2×
9.2×
12.5×
12.1×
11.3×
Price / book
0.8×
1.0×
0.9×
1.1×
1.0×
0.9×
Dividend yield
4.84%
5.19%
5.45%
4.07%
3.68%
3.96%
Fundamentals checklist ● 1 Good · ● 2 Average · ● 4 Bad · each check graded against the sector
Risk models
Piotroski F-Score6 of 9Average
Growth
EPS growth (3y)−1.4%Bad
Revenue growth (3y)5.8%Average
Growth consistency80%Bad
Valuation
Fair value vs price1.0×Bad
Profitability
Return on invested capital6.0%Bad
Operating margin159.0%Good
XStocksXray
Huntington Bancshares Inc (HBAN)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
1,113
1,318
1,400
1,468
1,562
1,683
Net income
1,295
2,238
1,951
1,940
2,211
2,207
Diluted EPS ($)
0.90
1.45
1.24
1.22
1.39
1.39
Net margin
116.4%
169.8%
139.4%
132.2%
141.5%
131.1%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
174,064
182,906
189,368
204,230
225,106
285,372
Cash
5,522
6,704
10,129
12,847
13,495
19,186
Total debt
7,442
11,713
13,014
16,573
18,482
23,469
Equity
19,297
17,731
19,353
19,740
24,342
32,535
Dividend per share ($)
0.61
0.62
0.62
0.62
0.62
0.62
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
