HBAN · Huntington Bancshares Inc /MD/ - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · HBAN

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Revenue	-	$1.56B	$1.47B	$1.40B	$1.32B	$1.11B
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	-	-	$622.00M	$798.00M	$484.00M	$391.00M
Operating Income	-	$2.69B	$2.40B	$2.38B	$2.76B	$972.00M
Interest Expense	-	-	-	$3.48B	$696.00M	$89.00M
Income Tax	-	$459.00M	$443.00M	$413.00M	$515.00M	$294.00M
Net Income	-	$2.21B	$1.94B	$1.95B	$2.24B	$1.29B
EPS - Basic	-	$1.41	$1.24	$1.26	$1.47	$0.91
EPS - Diluted	-	$1.39	$1.22	$1.24	$1.45	$0.90

Balance Sheet

Line item	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Cash & Equivalents	-	$13.49B	$12.85B	$10.13B	$6.70B	$5.52B
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	-	$225.11B	$204.23B	$189.37B	$182.91B	$174.06B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	$126.00M◇	$17.22B	$16.37B	$12.39B	$9.69B	$7.11B
Total Liabilities	-	$200.73B	$184.45B	$169.97B	$165.14B	$154.75B
Stockholders' Equity	-	$24.34B	$19.74B	$19.35B	$17.73B	$19.30B
Retained Earnings	-	$6.35B	$5.20B	$4.32B	$3.42B	$2.20B

Cash Flow

Line item	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Operating Cash Flow	-	$2.48B	$1.81B	$2.66B	$4.03B	$2.06B
Investing Cash Flow	-	($6.35B)	($12.12B)	($3.00B)	($11.61B)	($3.96B)
Financing Cash Flow	-	$4.51B	$13.02B	$3.77B	$8.76B	$827.00M
CapEx	-	$267.00M	$143.00M	$140.00M	$214.00M	$247.00M
Free Cash Flow	-	$2.21B	$1.67B	$2.52B	$3.81B	$1.81B

Ratios

Metric	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	-	172.1%	163.7%	170.3%	209.7%	87.3%
EBITDA margin	-	-	206.1%	227.3%	246.4%	122.5%
Net margin	-	141.5%	132.2%	139.4%	169.8%	116.4%
Free cash flow margin	-	141.8%	113.9%	179.8%	289.3%	163.1%
FCF / Net income	-	1.00	0.86	1.29	1.70	1.40
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	-	17.2%	18.6%	17.5%	18.7%	18.5%
Return on assets	-	1.0%	0.9%	1.0%	1.2%	0.7%
Return on equity	-	9.1%	9.8%	10.1%	12.6%	6.7%
Return on invested capital	-	5.4%	5.4%	6.2%	8.2%	3.0%
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-	0.71	0.83	0.64	0.55	0.37
Debt / Assets	-	0.08	0.08	0.07	0.05	0.04
Debt / EBITDA	-	-	5.41	3.90	2.98	5.21
Interest coverage	-	-	-	0.7x	4.0x	10.9x
Equity multiplier	-	9.25	10.35	9.78	10.32	9.02
Liabilities / Assets	-	0.89	0.90	0.90	0.90	0.89
Efficiency
Asset turnover	-	0.01	0.01	0.01	0.01	0.01
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	-	12.5x	13.3x	10.3x	9.7x	17.1x
P / B	-	1.1x	1.2x	1.0x	1.2x	1.0x
P / S	-	16.7x	16.4x	13.3x	15.7x	17.8x
EV / EBITDA	-	-	9.1x	6.6x	7.3x	15.7x
Growth
Revenue growth (YoY)	-	6.4%	4.9%	6.2%	18.4%	25.9%
Revenue CAGR (3y)	-	5.8%	9.7%	16.6%	12.0%	8.1%
Revenue CAGR (5y)	-	12.1%	9.3%	9.7%	-	-
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	-	11.9%	0.8%	-13.7%	184.4%	0.0%
Net income growth (YoY)	-	14.0%	-0.6%	-12.8%	72.8%	58.5%
EPS growth (YoY)	-	13.9%	-1.6%	-14.5%	61.1%	30.4%
EPS CAGR (3y)	-	-1.4%	10.7%	21.6%	4.5%	-9.1%
EPS CAGR (5y)	-	15.0%	-0.8%	0.7%	7.7%	5.2%
FCF growth (YoY)	-	32.5%	-33.6%	-34.0%	110.1%	50.7%
FCF CAGR (5y)	-	13.0%	2.7%	9.3%	16.7%	10.6%
Book value growth (YoY)	-	23.3%	2.0%	9.1%	-8.1%	48.5%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$1.56B total

Consumer And Business Banking$1.21B · 77.2%

Commercial Banking$357.00M · 22.8%

Product / service

$1.21B total

Cards And Payment Processing Revenue$465.00M · 38.5%

Trust And Investment Management Services Revenue$385.00M · 31.9%

Service Charges Revenue$233.00M · 19.3%

Insurance Revenue$72.00M · 6.0%

Other Revenue$28.00M · 2.3%

Capital Market Fees$22.00M · 1.8%

Leasing Revenue$3.00M · 0.2%

Stability scores

Piotroski F-score

FY 2026 · 9-point quality

1/9

Weak

-Net income positive
-Operating cash flow positive
-ROA improved YoY
-Cash flow > net income
✓Long-term debt decreased
-Current ratio improved
-No share dilution
-Gross margin improved
-Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

Company	Revenue (last FY)	Net margin	ROE
UMBF	-	-	9.1%
ZION	$662.00M	135.8%	12.5%
JPM	$182.45B	31.3%	15.7%
SFNC	$5.63M	-7060.1%	-11.6%
BAC	$113.10B	27.0%	10.1%

Comparing HUNTINGTON BANCSHARES INC /MD/ against the 5 most active filers in the same SIC group.

Dividends

$0.62/share trailing 12 months · 0.0% YoY

Ex-date	Per share
Mar 18, 2026	$0.1550
Dec 18, 2025	$0.1550
Sep 17, 2025	$0.1550
Jun 17, 2025	$0.1550
Mar 18, 2025	$0.1550
Dec 18, 2024	$0.1550
Sep 17, 2024	$0.1550
Jun 17, 2024	$0.1550
Mar 15, 2024	$0.1550
Dec 15, 2023	$0.1550
Sep 15, 2023	$0.1550
Jun 15, 2023	$0.1550
Mar 17, 2023	$0.1550
Dec 16, 2022	$0.1550
Sep 16, 2022	$0.1550
Jun 16, 2022	$0.1550
Mar 17, 2022	$0.1550
Dec 16, 2021	$0.1550
Sep 16, 2021	$0.1500
Jun 16, 2021	$0.1500
Mar 17, 2021	$0.1500
Dec 17, 2020	$0.1500
Sep 16, 2020	$0.1500
Jun 16, 2020	$0.1500

Cells marked with a small ◇ are sourced from SEC's bulk Financial Statement Data Sets, which can lose dimensional context (notably Revenue and Operating Income for issuers that report by segment). These cells will be replaced with authoritative values from the Company Facts API as the backfill completes.