HBAN: A Neutral Stance. Here's Why.

Huntington Bancshares Incorporated operates as a diversified regional bank holding company, providing a range of financial services through 'Huntington National Bank' and its subsidiaries. Core offerings encompass consumer and commercial banking, including deposits, lending, payments, mortgage banking, investment management, trust, brokerage, and insurance. Target markets include individual consumers, small to mid-sized businesses ('Regional Banking'), and large corporate clients ('Commercial Banking'). 'Consumer & Regional Banking' emphasizes a 'Fair Play' banking philosophy with products like '24-Hour Grace', 'Asterisk-Free Checking', and 'Money Scout'. 'Commercial Banking' focuses on middle market to large corporates, offering specialized expertise in sectors such as government, healthcare, and technology. The company differentiates itself by emphasizing local delivery, customer service, and a consultative sales approach ('OCR') to build stronger customer relationships, as well as through a 'Lift Local Business' program to support under-resourced entrepreneurs.

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HBAN's technical outlook is decidedly bearish. The stock is trading at $15.265, significantly below its 50-day SMA of $16.82 and 200-day SMA which is starting to be calculated at $16.00, confirming a downtrend. The EMA_21 at 15.90 further reinforces the bearish sentiment. Momentum indicators paint a grim picture: the MACD is negative (-0.398) and trending further below its signal line, while the RSI at 37.53 indicates oversold conditions, but also persistent weakness. Stochastic Oscillator at 23.22 showing it may be approaching oversold, but ROC_20 at -8.02 indicates a strong downward price momentum. The ADX at 36.69 suggests a strong trend is in place, and given the negative MACD and RSI values, this trend is bearish. The recent price action confirms this, with a series of lower highs and lower lows. Bollinger Bands show the price is near the lower band, indicating potential for continued downside. Overall, the technical indicators suggest a high probability of further price declines in the next 1-3 months.

Huntington Bancshares Incorporated's MD&A reveals a generally positive financial trend. `Net interest income` for the third quarter of 2025 increased $155 million, or 11%, from the third quarter of 2024. This was driven by a 15 basis point increase in the FTE NIM to 3.13% and a $10.8 billion, or 6%, increase in average earning assets. `Noninterest income` also rose by $105 million, or 20%, due to gains on the sale of a portion of the trust and custody business and increases in payments, cash management revenue, capital markets and advisory fees, customer deposit and loan fees, and wealth and asset management revenue. However, `noninterest expense` also increased by $116 million, or 10%, primarily due to higher personnel costs and outside data processing and other services. For the first nine months of 2025, `Net cash provided by operating activities` was $1,554 million, a notable increase from $721 million in the same period of 2024. Management believes Huntington is 'well positioned to outperform through a range of potential economic and interest rate scenarios', indicating confidence in the company's future performance.

Huntington Bancshares' Q2 2025 earnings call projects a moderately bullish outlook. Management highlighted 'strong operating performance with robust organic growth in loans, deposits and fees.' The company grew average loans and deposits by almost $10 billion year-over-year. Adjusted ROTCE reached 17.6%. Management is increasing full year guidance for loan growth to 6% to 8% and net interest income growth to 8% to 9% from a prior range of 5% to 7%. Deposit growth guidance also increased to 4% to 6%. While fee income growth is maintained at 4% to 6%, it is tracking towards the lower end. Expense growth is forecasted at 5% to 6%. Net charge-off guidance is lowered to 20 to 30 basis points. The acquisition of Veritex is expected to close in the fourth quarter and is viewed as 'financially attractive' and a 'springboard for substantial future growth in the state' of Texas. Although economic uncertainty remains, management is encouraged by improving sentiment and a strong start to Q3.

HBAN's financial performance presents a somewhat positive picture, though with some caveats. Revenue has shown a general uptrend, increasing from $2,847,000,000 in Q1 2024 to $3,228,000,000 in Q3 2025. The gross profit ratio, however, has fluctuated, ranging from a low of 0.5739 in Q2 2024 to a high of 0.6232 in Q3 2025. Operating cash flow data is only available for a subset of the quarters, but it shows positive generation, with $513,000,000 in Q1 2025, $554,000,000 in Q2 2025, and $1,484,000,000 in Q4 2024. Total debt has increased from $15,076,000,000 in Q1 2024 to $17,567,000,000 in Q3 2025, indicating an increase in leverage, but it has remained relatively stable. Overall, HBAN demonstrates revenue growth and positive operating cash flow, but the fluctuating gross profit ratio and increased debt warrant continued monitoring.

The company demonstrates a moderately bullish profile, characterized by solid revenue growth and improving profitability. Revenue has consistently increased, indicating strong market demand. The gross margin exhibits stability, suggesting efficient cost management. Return on Equity (ROE) has shown positive movement, signaling enhanced profitability and efficient use of shareholder equity. The Price-to-Earnings (P/E) ratio, while elevated, might be justifiable given the growth trajectory and positive ROE trend. The Debt-to-Equity ratio shows a slight increase, which warrants monitoring, but is counterbalanced by a healthy Current Ratio, implying sufficient liquidity to meet short-term obligations. Overall, the company presents a favorable picture with growth and profitability, though the leverage should be watched closely. The combination of growth and profitability suggests potential for continued positive performance over the next 12 months.