HBAN · NASDAQ · STOCK
Huntington Bancshares (HBAN) Stock Analysis
$17.03
52W $14.89 – $19.46
63/100
$34.41B
12.5
0.95
Is HBAN Bullish or Bearish?
Bullish.
Innellis AI committee rates Huntington Bancshares (HBAN) Buy with a composite score of 63/100
, based on 5 analysts with 80% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.00 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 — -8.00 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 primary driver is price-to-book of 1.1x is a discount to asset value. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- 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
- News sentiment is positive (+0.33 across 6 articles, 14d) — News
Bear Case
- EPS declining -2.9% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — 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 August 23, 2026
Overall Committee Score
63/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 31%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 1.1x is a discount to asset value
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
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
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
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 64.5 to 63.0.
- Committee agreement fell modestly from 83% to 80%.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Analyst(s) abstained: Risk Analyst.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst abstained (was bullish at 70).
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
31.0
Neutral
MACD Histogram
-0.070
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$16.82
Resistance
$17.34
Bollinger %B
0.21
Inside Bands
Price vs Moving Averages
EMA 9
$17.40
Below
EMA 21
$17.50
Below
EMA 50
$17.40
Below
EMA 200
$16.91
Above
Fundamental Analysis
Valuation
100
Growth
69
Profitability
60
Financial Health
96
Cash Flow
70
Valuation
P/E Ratio
12.5×
P/B Ratio
1.02×
PEG Ratio
—
Dividend Yield
3.64%
52W High
$19.46
52W Low
$14.89
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 12.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of -563943394515585.0 (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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