Huntington Bancshares, Inc.
HBAN
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+ FollowMarket Cap$30.85B
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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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$7.34
53.3% downside
Current Fair Value
53.3% downsideOvervalued by 53.3% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $30.85 Billion |
|---|---|
| Enterprise Value | $49.37 Billion |
| Dividend Yield | $0.62 (4.06%) |
| Earnings per Share | $1.41 |
| Beta | 0.97 |
| Outstanding Shares | 1,946,000,000 |
Return
| Return on Equity | 7.63% |
|---|---|
| Return on Assets | 0.88% |
| Return on Invested Capital | 1.11% |
Valuation & Multiples
| P/E Ratio | 11.23 |
|---|---|
| PEG | 76.76 |
| Price to Sales | 2.25 |
| Price to Book Ratio | 0.98 |
| Enterprise Value to Revenue | 3.23 |
| Enterprise Value to EBIT | 15.87 |
| Enterprise Value to Net Income | 19 |
| Total Debt to Enterprise | 0.44 |
| Debt to Equity | 0.67 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
October 22, 2026
EPS Estimate
$0.35
Average shareholder expectationRevenue Estimate
$2.82 B
Average shareholder expectationNext Earnings Call
Expected Date
January 28, 2027
EPS Estimate
$0.43
Average shareholder expectationRevenue Estimate
$2.86 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.0000▼ 79.42% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 1.03%▼ 89.81% |
|---|---|
| Total Invested | $306.73M▼ 99.02% |
| Investors Holding | 152▼ 1026.00% |
ESG Score
No data
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...