Back to Dashboard
59

HBAN

🏦 Financial Services

Huntington Bancshares Incorporated

Conservative #304Aggressive #554Low RiskLow 14ML↑ 43pt
$17.28+1.53%
Day High$17.42
Day Low$17.05
Volume22.2M
Mkt Cap$27.2B
52W Low $1252W High $19
Market Cap
$28.4B
P/E Ratio
12.6
Sector avg: 50.1
Rev Growth
4.4%
Sector avg: 13.3%
Earnings Growth
14.0%
Profit Margin
17.7%
Sector avg: -2.1%
Debt/Equity
0.76

Why This Score

HBAN scores 59.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Attractively valued at 12.6x earnings, below the market average.

No material penalties applied. HBAN ranks #304 based on its factor profile and ML signal alignment.

Score Breakdown

Overall Score59.8
Fundamental Score58.3
ML Score46.0

Score by Horizon

3 Month
74.2
6 Month
82.9
Primary
1 Year
87.2

Quality Assessment

A
Earnings Grade
Strong fundamentals, high earnings quality

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
54
Neutral
Analyst (6.4%)
62
Favorable
Tradability (post-hoc)
97
Grade A
Base
60.8
SHAP
+3.2
Factors
+0.8
Divergence
-5.0
Final
59.8
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)61.0
Technical (Momentum, Weinstein, Volatility)58.0
External (Sentiment, Analyst, Macro)79.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-5.2% to +1.2%
Medium-term
-7.8% to +1.8%
Long-term
-10.4% to +2.4%

ML Model Core Features100 trained inputs → ML Score: 46

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score62.0/100
Target Upside+18.1%
Coverage48 analysts
Market Sentiment
Sentiment Score53.7/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.1%
6M Momentum-0.0%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+10.2%
Momentum ConsistencyDivergent (-0.15)
Relative Strength vs Sector+0.0%
Trend Strength (ADX Proxy)Weak (1.5)
Momentum Quality+0.077
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
17%
Moderate — watch growth
Sector RevGr Rank
P50
Revenue growth vs Financial Services peers
Sector PE Rank
P54
Valuation vs Financial Services peers
Sector FCF Rank
P63
Free cash flow vs Financial Services peers
Growth Deviation
0.0σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 46 relative to sector peers46/100
Machine learning model ranks this stock at the 89th percentileP89
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +5.0pt (features align with model priorities)—
Blend: 91% fund (45.5) + 9% ML (88.6) + SHAP(+5.0) = 54.4—
Factor quality: +1.2pt (multi-factor composite)—
Risk assessment: low. Annualized volatility 6.0%. Stability bonus of +9.9 points. Max drawdown 13% (-1.8 pts)Low
Market cap adjustment: +2.0 points ($28.4B market cap)+2.0 pts
Conviction penalty: -3.5pt (conviction=14)—
Divergence penalty: -5.0pt (ML 43pt higher)—
Risk Factors
Earnings quality grade A: strong earnings quality and financial health. Score adjusted by -5 pointsGrade A
Quality concern: CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #96 of 365 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
HBAN59.812.64.4%17.7%$28.4B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.550.113.3%-2.1%—

Market Sentimentvia FMP

Analyst Consensus
Buy48 analysts
Strong Buy: 1Buy: 24Hold: 20Sell: 3
Price Target
$20consensus
Low $16Median $21High $23
+17.0% to consensus target

Company Overviewvia FMP

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers/REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.

CEO
Stephen D. Steinour
Employees
20,092
Beta
0.96
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
30.0
Neutral
Trend
Bearish
10-day vs 50-day MA
From 52W High
-11.2%
High: $19.45
From 52W Low
+45%
Low: $11.92
Moving Averages
10-Day
$17.50
Below
20-Day
$17.90
Below
50-Day
$17.80
Below
200-Day
$16.80
Above
60-Day Support
$16.16
60-Day Resistance
$19.45
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 65/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+2.9%
200 SMA Slope (60d)
+5.36%
Rising
Volume Ratio
0.84x
10d avg vs 50d avg
Days in Stage
62
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$3.2B$3.2B$3.0B$3.0B
Gross Profit$2.1B$2.0B$1.8B$1.8B
Operating Income$631M$766M$638M$653M
Net Income$519M$629M$536M$527M
EPS (Diluted)$0.30$0.41$0.34$0.34
Gross Margin63.2%62.3%60.6%60.5%
Operating Margin19.4%23.7%21.1%21.9%
Net Margin16.0%19.5%17.7%17.7%

Why This Stock

Financial ServicesP/E ratio of 12.6Profit margin 17.7%

Tradability FilterGrade A — 97/100Score impact: +21.3pt

Volume
100
32.7M avg/day
Dollar Vol
100
$558M/day
Float
100
1.6B shares
Mkt Cap
88
$28.4B
Range
92
63% spread
Composite Liquidity Score97/100
FDCBA

Multi-Year Range Analysis

Sideways: 10/100
YearLowHighRangeStatus
2021$13.01$16.9126.1%Moderate
2022$11.67$17.7941.5%Wide
2023$9.13$15.6252.4%Wide
2024$12.02$18.4542.2%Wide
2025$11.92$18.0440.9%Wide
3-Year Range
67.6%
Narrow Years
1 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.15x dampening
weinstein declining

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
98.9%
Outstanding Shares
1.6B
Bid-Ask Spread
63.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.