# Huntington Bancshares Inc (HBAN) — Stock CV

Huntington Bancshares Inc is a $31.2B financial services company. Revenue grew 766.0% over the last year, and it keeps 17¢ of every dollar of sales as profit. It trades at 12.9× earnings — around the middle of its own history.

> Huntington is a regional US bank with over $285 billion in assets. It offers a full suite of consumer deposit and lending services, along with commercial services focused on payments, investment management, capital markets, equipment financing, treasury management, and other common banking services.

## Identity

- **Ticker**: HBAN
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: COLUMBUS, OH
- **Employees**: 26 407
- **Website**: https://www.huntington.com
- **Market cap**: $31.2B
- **Last price**: $15.43
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $14.4B
- **Net income**: $2.40B
- **Free cash flow**: $2.68B
- **Net debt**: $4.99B
- **P/E**: 12.9
- **Revenue growth (YoY)**: 766.0%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 60 |
| Growth | 85 |
| Profitability | 62 |
| Health | 45 |
| Quality | 40 |
| Moat | 50 |

## Qualifications (beginner checklist) — 8 of 11 passed

- [x] Revenue growing — +766.0% YoY
- [x] Profitable — $2.40B TTM
- [ ] Profit growing — -1.3% YoY
- [x] Generates cash — $2.68B TTM
- [x] Debt under control — ~1.9y of cash flow to repay
- [x] Established company — $31.2B market cap
- [ ] Not printing shares — +45.7% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 3.74%
- [x] Valuation not extreme — P/E 12.9

## Experience (career milestones)

- **FY2025** — Revenue crossed $10B: $12.5B for the year
- **2025** — Huntington Bancshares announced its acquisition of Texas-based lender Veritex Community Bank for $1.9…
- **FY2022** — Best year on record: $2.24B net income
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $3.78B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **1997** — It acquired First Michigan Bank Corporation of Holland, Michigan
- **1981** — The bank acquired Alexandria Bank Company and renamed it The Huntington State Bank
- **1980** — Farmers & Merchants Bank, Milford Center, and The First National Bank of Burton merged with Huntington…
- **1972** — It acquired The First National Bank of Wadsworth and The First National Bank of Kenton, also establishing…
- **1971** — It acquired First National Bank & Trust Company of Lima, The Woodville State Bank
- **1962** — It acquired both First National Bank of Grove City and The People's Bank of Canal Winchester
- **1958** — Huntington acquired the Columbus-based The Market Exchange Bank Company
- **1923** — Huntington purchased Columbus-based State Savings Bank & Trust Company and the Hayden-Clinton National Bank…
- **1905** — The bank was incorporated in 1905 as The Huntington National Bank of Columbus

## Strengths

- Revenue growing 766.0% year over year
- Strong cash conversion — FCF is 18.6% of revenue

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $6.08B | $1.29B | $1.81B |
| FY2022 | $7.95B | $2.24B | $3.81B |
| FY2023 | $1.40B | $1.95B | $2.52B |
| FY2024 | $1.47B | $1.94B | $1.67B |
| FY2025 | $12.5B | $2.21B | $2.21B |

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Source: https://stockcv.com/HBAN — derived from company filings; may be delayed or incomplete. Information, not investment advice.