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Upturn AI SWOT - About
Huntington Bancshares Incorporated (HBANL)
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Upturn Advisory Summary
04/01/2025: HBANL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -2.36% | Avg. Invested days 80 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 23928 | Beta 1.1 | 52 Weeks Range 22.90 - 26.20 | Updated Date 04/1/2025 |
52 Weeks Range 22.90 - 26.20 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 6.70% | Basic EPS (TTM) - |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.93% | Operating Margin (TTM) 39.76% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 10.01% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 43172212736 | Price to Sales(TTM) - |
Enterprise Value 43172212736 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 1442331727 |
Shares Outstanding - | Shares Floating 1442331727 | ||
Percent Insiders - | Percent Institutions 34.95 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Huntington Bancshares Incorporated
Company Overview
History and Background
Huntington Bancshares Incorporated was founded in 1866 as The Huntington National Bank in Columbus, Ohio. Over time, it expanded through acquisitions and organic growth to become a major regional bank holding company in the Midwest.
Core Business Areas
- Commercial Banking: Provides a wide array of financial solutions for businesses, including lending, treasury management, and capital markets services.
- Consumer Banking: Offers traditional banking services such as checking and savings accounts, mortgages, auto loans, and credit cards to individuals and families.
- Wealth Management: Provides investment management, trust, and private banking services to high-net-worth individuals and families.
Leadership and Structure
The leadership team is headed by the CEO, with various executives overseeing different business segments. The organizational structure is hierarchical, with regional and functional divisions reporting to the corporate headquarters.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses of various sizes. Market share data unavailable, competes with large national and regional banks like JPMorgan Chase and PNC Financial Services.
- Mortgage Lending: Offers residential mortgage loans. Market share data varies by region; competes with national lenders like Wells Fargo and Rocket Mortgage.
- Credit Cards: Provides credit cards to consumers. Market share data unavailable. Competes with major credit card issuers like Visa, Mastercard, American Express, and Discover.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, technological disruption (Fintech), and fluctuating interest rates.
Positioning
Huntington Bancshares Incorporated is positioned as a super-regional bank with a strong presence in the Midwest. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. HBAN is positioned to capture a portion of this TAM through its regional focus and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Diverse range of financial services
- Experienced management team
- Strong customer relationships
- Solid Capital Position
Weaknesses
- Geographic concentration in the Midwest
- Reliance on interest rate spreads
- Potential for increased regulatory costs
- Exposure to economic downturns in the Midwest region
- Smaller scale compared to national competitors
Opportunities
- Expansion into new markets
- Adoption of new technologies (Fintech)
- Strategic acquisitions to increase market share
- Increased demand for wealth management services
- Growth in digital banking
Threats
- Increased competition from national banks and Fintech companies
- Economic downturns
- Changes in regulatory requirements
- Cybersecurity threats
- Fluctuating interest rates
Competitors and Market Share
Key Competitors
- PNC
- KEY
- USB
Competitive Landscape
Huntington Bancshares Incorporated competes with larger national banks and regional players. Its competitive advantage lies in its strong regional presence and customer relationships.
Major Acquisitions
TCF Financial Corporation
- Year: 2021
- Acquisition Price (USD millions): 6000
- Strategic Rationale: Expanded HBAN's footprint in the Midwest and increased its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Huntington Bancshares Incorporated has grown steadily over the past decade through organic growth and acquisitions.
Future Projections: Analyst estimates for future growth vary depending on economic conditions and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Huntington Bancshares Incorporated is a super-regional bank with a solid presence in the Midwest. Its strengths include strong customer relationships and diverse service offerings. However, it faces challenges from larger national banks and the evolving fintech landscape, requiring it to adapt and innovate continuously.
Similar Companies
- PNC
- KEY
- FITB
- RF
- ALLY
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Financial data is based on available information and may be subject to change. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Huntington Bancshares Incorporated
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 2023-03-06 | Chairman, President & CEO Mr. Stephen D. Steinour | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 19932 | Website https://www.huntington.com |
Full time employees 19932 | Website https://www.huntington.com | ||
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 offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. It also provides 24-Hour Grace, Asterisk-Free Checking, Money Scout, $50 Safety Zone, Standby Cash, Early Pay, Instant Access, Savings Goal Getter, And Huntington Heads Up; digitally powered consumer and business financial solutions to consumer lending, regional banking, branch banking, and wealth management customers; direct and indirect consumer loans, as well as dealer finance loans and deposits; and private banking, wealth management and legacy planning through investment and portfolio management, fiduciary administration and trust, institutional custody, and full-service retail brokerage investment services. The company offers equipment financing, asset-based lending, distribution finance, structured lending, and municipal financing solutions, as well as Huntington ChoicePay. In addition, it offers lending, liquidity, treasury management and other payment services, and capital markets; government and non-profits, healthcare, technology and telecommunications, franchises, financial sponsors, and global services; and corporate risk management, institutional sales and trading, debt and equity issuance, and additional advisory services. The company offers its products through a network of channels, including branches and ATMs, online and mobile banking, and through customer call centers to customers in middle market banking, corporate, specialty, and government banking, asset finance, commercial real estate banking, and capital markets. The company was founded in 1866 and is headquartered in Columbus, Ohio.
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