Huntington Bancshares Incorporated (HBAN)
Huntington Bancshares is a regional American bank that provides everyday financial services like savings accounts, mortgages, and business loans.
Is Huntington Bancshares Incorporated a good stock for a UK beginner?
The honest version: Huntington Bancshares is a regional American bank that provides everyday financial services like savings accounts, mortgages, and business loans.
Over about 2 years to 2026-07-31. This is the share price only - reinvesting the dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
Strong economic recovery boosting loan volumes significantly.
Prolonged period of high loan defaults hurting the balance sheet.
What does Huntington Bancshares Incorporated do?
Huntington operates as a traditional bank, making money primarily by collecting deposits and lending that cash out at higher interest rates. They focus on serving individuals and businesses across the US Midwest. Their story turns on how they manage the balance between the interest they pay to savers and the interest they earn from borrowers as the economy shifts.
On our factor screen it looks strongest on value and income, and weakest on quality.
- ✓Pays a dividend - about 3.6% a year
- ✓Growing - revenue up about 48% over the year
- ✓Very profitable - turns about 26% of sales into profit
- Solid net profit margins showing efficient operations
- Consistent dividend payments for income-focused investors
- Established presence in the US Midwest market
- Economic downturns leading to higher loan defaults
- Regulatory changes impacting banking profitability
- Cybersecurity threats to digital banking platforms
What do Huntington Bancshares Incorporated's numbers mean?
How much money does Huntington Bancshares Incorporated make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Huntington Bancshares Incorporated pay a dividend?
Yes - Huntington Bancshares Incorporated currently pays a dividend of about 3.6% a year (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it.
When does Huntington Bancshares Incorporated report earnings, and how did recent quarters go?
Huntington Bancshares Incorporated is next scheduled to report on about 2026-10-22 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-07-23 | $0.39 | $0.39 | In line |
| 2026-04-23 | $0.35 | $0.37 | Beat +5% |
| 2026-01-22 | $0.38 | $0.37 | Missed -1% |
| 2025-10-17 | $0.37 | $0.40 | Beat +7% |
| 2025-07-18 | $0.35 | $0.35 | Beat +1% |
| 2025-04-17 | $0.31 | $0.34 | Beat +8% |
Across the last 6 quarters here, Huntington Bancshares Incorporated came in ahead of what analysts expected 4 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
More in Financial Services
What are the scenarios for Huntington Bancshares Incorporated?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Huntington Bancshares Incorporated?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Solid net profit margins showing efficient operations
- Consistent dividend payments for income-focused investors
- Established presence in the US Midwest market
- Recent decline in year-over-year earnings
- Limited geographic diversification compared to national giants
- Sensitivity to interest rate fluctuations
- Economic downturns leading to higher loan defaults
- Regulatory changes impacting banking profitability
- Cybersecurity threats to digital banking platforms
The write-up's own warning lights — if these start happening, the case above changes.
- A significant shift in US interest rate policy
- A major merger or acquisition changing the bank's scale
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-01 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.