Huntington Bancshares Incorporated (HBAN) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Huntington Bancshares Incorporated stock $9.57, price $15.61, that is 38.7% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Huntington Bancshares Incorporated
HBAN · USOur calculation puts a fair price 39% below what the stock costs today.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range $7.97 – $18.72 · fair‑value band $8.42 – $12.36 · the $15.61 price screens above the $9.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 1, 2026.
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Company profile
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services.
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It offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services.
The company also provides 24-Hour Grace, Asterisk-Free Checking, Money Scout, $50 Safety Zone, Standby Cash, Early Pay, Instant Access, Savings Goal Getter, And Huntington Heads Up; digitally powered consumer and business financial solutions to consumer finance, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans; dealer finance loans and deposits; and private banking, wealth management and legacy planning through investment and portfolio management, fiduciary administration and trust, institutional custody, and full-service retail brokerage investment services.
In addition, it offers equipment financing, asset-based lending, distribution finance, structured lending, municipal financing solutions, and Huntington ChoicePay. Additionally, the company provides lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, fund finance, Native American financial, and global services; and corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services.
The company offers its products through a network of channels, including branches and ATMs, online and mobile banking, and through customer call centers to customers in middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets.
The company was founded in 1866 and is headquartered in Columbus, Ohio.
Stock analysis
Huntington Bancshares Incorporated (HBAN) currently trades at $15.61, while our model-based Fair Value estimate is $9.57, 39% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $12.19 per share, and 0 of the 6 models we run sit above the $15.61 price.
Bear case: the Asset-Based group reads lowest at $5.83, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $8.42 (bear) to $12.36 (bull), the price of $15.61 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Huntington Bancshares Incorporated reported revenue of $12.5B in FY2025 versus $6.1B in FY2021, a compound +19.7%/yr. Reported net income was $2.2B in FY2025, compounding +14.3%/yr from FY2021.
Key figures
Market cap $30.8B Large · P/E ratio 12.8 · P/S ratio 3.14 · EPS (TTM) $1.22 · Dividend yield 4.0% · Net margin 25.3% · Return on equity 9.2% · Return on assets (EBIT) 1.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −39%, HBAN screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $199,835, on Oct 27, 2026. Over the same period, 5 people sold shares worth $4.9M.
- SaleDonnell R WhiteChief DEI Officer, SVP3,000 shares at $15.87$47,595Nov 3, 2026
- BuyGary TorgowDirector2× since Feb 19, 2026: 26,900 shares, avg. $16.83$452,737Oct 27, 2026
- SaleKendall A KowalskiChief Information Officer2× since Dec 11, 2025: 31,999 shares, avg. $17.28$553,044Aug 3, 2026
- SaleMarcy C HingstSEVP and General Counsel3× since Nov 14, 2025: 29,816 shares, avg. $17.49$521,610Jun 25, 202610b5-1 plan
- SaleJames D Rollins IIIDirector223,522 shares at $17.35$3.9MJun 12, 2026
- SaleScott D KleinmanSenior Exec. V.P.2× since Mar 12, 2026: 84,955 shares, avg. $15.49$1.3MJun 1, 202610b5-1 plan
- SalePrashant NateriChief Corp Operations Officer10,171 shares at $15.50$157,648Mar 12, 2026
- BuyStephen D SteinourPresident, CEO & Chairman, Director32,277 shares at $15.49$499,971Mar 12, 2026
- SaleBrendan A LawlorExecutive VP and CCO17,455 shares at $18.93$330,426Feb 10, 2026
- SaleBrantley J StandridgeSenior Exec. V.P.5,830 shares at $19.14$111,586Feb 4, 2026
Plus 2 more entries from the last 12 months.
Plus 62 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
HBAN screens overvalued: fair value 39% below the price. Compare with China Merchants Bank Co →
Earlier news
- What Could Huntington Bancshares (HBAN) London Office Mean For Its Growth?
- Huntington Bancshares (HBAN) Stock Sees Modest Fair Value Cut As Analysts Trim Growth Views
- How Q3 Earnings Guidance At Huntington Bancshares Stock Has Changed Its Investment Story
Compare Huntington Bancshares Incorporated with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs HBAN |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs HBAN |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs HBAN |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs HBAN |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs HBAN |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs HBAN |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs HBAN |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs HBAN |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs HBAN |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs HBAN |
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Key figures of Huntington Bancshares Incorporated
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