HBAN · NASDAQ · STOCK
Huntington Bancshares (HBAN) Stock Analysis
$15.34
52W $14.82 – $19.46
65/100
$30.95B
11.3
0.97
Is HBAN Bullish or Bearish?
Bullish.
Innellis AI committee rates Huntington Bancshares (HBAN) Buy with a composite score of 65/100
, based on 5 analysts with 80% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.20 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.80 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 12.9 is inexpensive for the broad market. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 12.9 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Dividend yield of 5.7% pays you to wait — Value
- Revenue growing 59.0% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- EPS declining -2.9% YoY despite any revenue growth — Growth
- Price structure making lower highs and lower lows — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
65/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 23%
of 211 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.9 is inexpensive for the broad market
Growth Analyst
bullish
63
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 59.0% YoY -- genuine top-line momentum
− EPS declining -2.9% YoY despite any revenue growth
Technical Analyst
neutral
52
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 15 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 64.8 to 64.8.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
42.1
Neutral
MACD Histogram
0.038
Bullish Momentum
Trend Direction
Downtrend
Weekly: Sideways
Market Structure
Mixed
Support
$15.18
Resistance
$15.62
Bollinger %B
0.36
Inside Bands
Price vs Moving Averages
EMA 9
$15.35
Below
EMA 21
$15.67
Below
EMA 50
$16.26
Below
EMA 200
$16.66
Below
Fundamental Analysis
Valuation
100
Growth
69
Profitability
60
Financial Health
96
Cash Flow
70
Valuation
P/E Ratio
11.3×
P/B Ratio
0.91×
PEG Ratio
—
Dividend Yield
4.05%
52W High
$19.46
52W Low
$14.82
Quality & Growth
ROE
908.3%
ROA
98.2%
Gross Margin
6372.7%
Operating Margin
2036.1%
Revenue Growth YoY
—
Debt / Equity
0.67
AI Fundamental Assessment
P/E ratio of 11.3 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of -507317252142029.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 9.1%; Return on assets of 1.0%; Net margin of 16.6%; Gross margin of 63.7%; Current ratio of 12.39 (healthy short-term liquidity); Debt-to-equity of 0.67; Free cash flow per share is positive (1.52); Most recent quarter beat estimates by 3.9%; 2 consecutive earnings beats; EPS growth accelerating (+0.0% -> +5.4% QoQ); Average YoY EPS growth of 14.7%; Analyst estimates flat over recent quarters
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