Huntington Bancshares, Inc.
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+ FollowMarket Cap$33.88B
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Earnings Call Q3 2026
October 22, 2026 - AI Summary
Solid Q3 execution + confident outlook (EPS 2027 >20% growth target): Management said third-quarter results reflected continued execution across core banking and value-added fee businesses, with supportive customer activity trends (strong commercial pipelines, solid consumer spending). 2027 EPS guidance: $1.75–$1.83, framed as >20% EPS growth from 2025 and ROTCE stepping toward 17%–18%. They also expect tangible book value per share to grow >10% from 2025, supported by disciplined capital management and organic earnings power.
Guidance reset rationale: “more competitive, less rational pricing” (not credit deterioration): On the “cuts”/reset question, leadership emphasized the company pulled back in asset classes where risk-adjusted pricing compressed (notably commercial real estate, indirect auto, and residential—especially pointing to resi and indirect auto margin compression). The concern is competitive intensity + rate-driven distortions, not a deterioration they consider systemic from a credit standpoint.
Net interest income + deposit/balance sheet posture (NIM stable into Q4): Q3 net interest income ~ $2.1B, up ~0.9% QoQ and 37% YoY; net interest margin rose 4 bps to 3.25%. They guided NIM to be relatively stable into Q4 and expect full-year NII growth ~35%. Deposit growth was modest but intentional: avg deposits +$500M (~0.2%); end-of-period deposit growth ~loan growth, supported by primary relationship deepening. Deposit cost ~190 bps, with deposit cost pressure moderating vs. Q2.
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$7.62
52.5% downside
Current Fair Value
52.5% downsideOvervalued by 52.5% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $33.88 Billion |
|---|---|
| Enterprise Value | $54.91 Billion |
| Annual dividend | $0.62 |
| Dividend yield | 3.93% |
| Earnings per Share | $1.41 |
| Beta | 0.97 |
| Outstanding Shares | 2,019,000,000 |
Return
| Return on Equity | 7.74% |
|---|---|
| Return on Assets | 0.87% |
| Return on Invested Capital | 1.10% |
Valuation & Multiples
| P/E Ratio | 12.23 |
|---|---|
| PEG | 83.63 |
| Price to Sales | 2.29 |
| Price to Book Ratio | 1.07 |
| Enterprise Value to Revenue | 3.59 |
| Enterprise Value to EBIT | 17.65 |
| Enterprise Value to Net Income | 22 |
| Total Debt to Enterprise | 0.43 |
| Debt to Equity | 0.73 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 22, 2026
EPS Estimate
$0.35
Consensus analyst estimateRevenue Estimate
$2.82 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 28, 2027
EPS Estimate
$0.42
Consensus analyst estimateRevenue Estimate
$2.86 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.06, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0613▼ 73.28% |
|---|---|
| Total Calls | 81,500▼ 96.96% |
| Total Puts | 5,000▼ 99.77% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 3.33%▼ 87.51% |
|---|---|
| Total Invested | $990.47M▼ 96.84% |
| Investors Holding | 433▼ 746.00% |
About Huntington Bancshares, Inc.
15,578 employees
CEO: Stephen Steinour
Huntington Bancshares Incorporated is a regional bank holding company headquartered in Columbus, Ohio, with $123 billion of assets and a network of 839 full-service branches, including 11 Private Client Group offices, and 1,322 ATMs acro...