📊 HBANL Key Takeaways
Is Huntington Bancshares Inc. /MD/ (HBANL) a Good Investment?
Huntington Bancshares exhibits strong balance sheet fundamentals with $13.5B cash, solid debt/equity ratio of 0.71x, and robust free cash flow generation of $2.2B. However, the 84.8% revenue decline coupled with abnormally elevated operating margins (172%) and net margins (141%) strongly indicate one-time gains that obscure organic business performance. The low interest coverage ratio of 2.5x and opaque underlying earnings quality prevent a more constructive stance.
Despite reported revenue volatility, Huntington shows resilient core profitability with net income and EPS growing, supported by a solid 1.0% ROA and 9.1% ROE. Strong free cash generation and manageable leverage provide balance sheet flexibility, though sensitivity to interest rates and credit conditions warrants monitoring.
Huntington Bancshares Inc. /MD/ Key Strengths (HBANL)
- Strong free cash flow generation of $2.2B with healthy FCF margin
- Solid balance sheet with $13.5B cash on hand and reasonable debt/equity leverage of 0.71x
- Positive net income growth of 5.9% and EPS growth of 13.9% despite revenue headwinds
- Earnings growth (NI +5.9%, EPS +13.9%)
- Solid profitability for a bank (ROA 1.0%, ROE 9.1%)
- Strong free cash flow and manageable leverage (D/E 0.71x, cash $13.49B)
HBANL Stock Risks: Huntington Bancshares Inc. /MD/ Investment Risks
- Severe 84.8% revenue decline YoY suggests major one-time gains or divestitures masking true operational performance
- Abnormally high operating margin (172%) and net margin (141%) indicate non-recurring items, making normalized earnings difficult to assess
- Interest coverage ratio of 2.5x is below optimal threshold (>3x), indicating limited debt service cushion in economic downturns
- Severe reported revenue decline (-84.8% YoY) indicating earnings mix/accounting volatility
- Rate sensitivity could pressure NIM; interest coverage only 2.5x
- Potential credit deterioration raising provisions and charge-offs
Key Metrics to Watch
- Normalized/recurring revenue and operating income trends excluding one-time items
- Interest coverage ratio improvement and net interest margin stability
- Return on equity sustainability above 8% level and asset quality metrics
- Net interest margin (NIM)
- Nonperforming loans and net charge-offs
Huntington Bancshares Inc. /MD/ (HBANL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 141.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
HBANL Profit Margin, ROE & Profitability Analysis
HBANL vs Finance Sector: How Huntington Bancshares Inc. /MD/ Compares
How Huntington Bancshares Inc. /MD/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Huntington Bancshares Inc. /MD/ Stock Overvalued? HBANL Valuation Analysis 2026
Based on fundamental analysis, Huntington Bancshares Inc. /MD/ appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Huntington Bancshares Inc. /MD/ Balance Sheet: HBANL Debt, Cash & Liquidity
HBANL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Huntington Bancshares Inc. /MD/'s revenue has grown significantly by 40% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.24 reflects profitable operations.
HBANL Revenue Growth, EPS Growth & YoY Performance
HBANL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $351.0M | $523.0M | $0.25 |
| Q3 2025 | $362.0M | $517.0M | $0.33 |
| Q2 2025 | $360.0M | $474.0M | $0.30 |
| Q1 2025 | $336.0M | $419.0M | $0.26 |
| Q3 2024 | $338.0M | $517.0M | $0.33 |
| Q2 2024 | $332.0M | $474.0M | $0.30 |
| Q1 2024 | $336.0M | $419.0M | $0.26 |
| Q3 2023 | $338.0M | $547.0M | $0.35 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Huntington Bancshares Inc. /MD/ Dividends, Buybacks & Capital Allocation
HBANL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Huntington Bancshares Inc. /MD/ (CIK: 0000049196)
📋 Recent SEC Filings
❓ Frequently Asked Questions about HBANL
What is the AI rating for HBANL?
Huntington Bancshares Inc. /MD/ (HBANL) has a Combined AI Grade of A from Claude (B) and ChatGPT (A) with 54% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are HBANL's key strengths?
Claude: Strong free cash flow generation of $2.2B with healthy FCF margin. Solid balance sheet with $13.5B cash on hand and reasonable debt/equity leverage of 0.71x. ChatGPT: Earnings growth (NI +5.9%, EPS +13.9%). Solid profitability for a bank (ROA 1.0%, ROE 9.1%).
What are the risks of investing in HBANL?
Claude: Severe 84.8% revenue decline YoY suggests major one-time gains or divestitures masking true operational performance. Abnormally high operating margin (172%) and net margin (141%) indicate non-recurring items, making normalized earnings difficult to assess. ChatGPT: Severe reported revenue decline (-84.8% YoY) indicating earnings mix/accounting volatility. Rate sensitivity could pressure NIM; interest coverage only 2.5x.
What is HBANL's revenue and growth?
Huntington Bancshares Inc. /MD/ reported revenue of $1.6B.
Does HBANL pay dividends?
Huntington Bancshares Inc. /MD/ pays dividends, with $908.0M distributed to shareholders in the trailing twelve months.
Where can I find HBANL SEC filings?
Official SEC filings for Huntington Bancshares Inc. /MD/ (CIK: 0000049196) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is HBANL's EPS?
Huntington Bancshares Inc. /MD/ has a diluted EPS of $1.39.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is HBANL's fundamental grade?
Based on our AI fundamental analysis in June 2026, Huntington Bancshares Inc. /MD/ has a A grade with 54% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is HBANL stock overvalued or undervalued?
Valuation metrics for HBANL: ROE of 9.1% (sector avg: 12%), net margin of 141.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is HBANL's AI grade for 2026?
Our dual AI analysis gives Huntington Bancshares Inc. /MD/ a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is HBANL's free cash flow?
Huntington Bancshares Inc. /MD/'s operating cash flow is $2.5B, with capital expenditures of $267.0M. FCF margin is 141.8%.
How does HBANL compare to other Finance stocks?
Vs Finance sector averages: Net margin 141.5% (avg: 25%), ROE 9.1% (avg: 12%), current ratio N/A (avg: 1.2).