What is Huntington Bancshares Inc's earnings per share (EPS)?

Huntington Bancshares Inc (HBANL) reported diluted earnings per share of $1.39 for fiscal year 2025. This represents a 13.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Huntington Bancshares Inc Financials

HBANL

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Huntington Bancshares Inc (HBANL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HBANL FY2025 2026-04-22

Balance-sheet growth is being carried by a thicker capital base, while asset returns stay near 1.0%.

By FY2025, total assets reached $225.1B while return on assets remained just 1.0%, showing that a much larger balance sheet did not materially improve the profit earned on each dollar deployed. Meanwhile, equity rose to $24.3B and debt-to-equity moved lower, suggesting the latest expansion was carried with more capital support rather than simply layering on leverage.

In FY2025, operating cash flow of $2.5B translated into free cash flow of $2.2B, so reported earnings were backed by cash even after routine reinvestment. That support was not smooth across the last few years, which indicates funding and balance-sheet shifts can change cash generation faster than accounting profit.

The dividend remained a recurring use of cash at about $900M, yet retained earnings still built to $6.4B, so the bank kept adding to its internal capital base instead of distributing most of what it earned. Goodwill of $6.0B is meaningful but still well below total equity of $24.3B, which leaves reported capital less dependent on acquisition accounting.

Financial Health Signals

Financial Profile 44/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Huntington Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Huntington Bancshares Inc's revenue grew 6.4% year-over-year to $1.6B, a solid pace of expansion. This earns a growth score of 43/100.

Leverage

Huntington Bancshares Inc carries a low D/E ratio of 0.71, meaning only $0.71 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 88/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Huntington Bancshares Inc converts 141.8% of revenue into free cash flow ($2.2B). This strong cash generation earns a score of 100/100.

Returns

Huntington Bancshares Inc's ROE of 9.1% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 9.8% the prior year.

Piotroski F-Score Neutral

5/9

Huntington Bancshares Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.12x

For every $1 of reported earnings, Huntington Bancshares Inc generates $1.12 in operating cash flow ($2.5B OCF vs $2.2B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.6B

YoY+6.4%

5Y CAGR+12.1%

10Y CAGR-3.0%

Huntington Bancshares Inc generated $1.6B in revenue in fiscal year 2025. This represents an increase of 6.4% from the prior year.

EBITDA

N/A

Net Income

$2.2B

YoY+14.0%

5Y CAGR+22.0%

10Y CAGR+12.3%

Huntington Bancshares Inc reported $2.2B in net income in fiscal year 2025. This represents an increase of 14.0% from the prior year.

EPS (Diluted)

$1.39

YoY+13.9%

5Y CAGR+15.0%

10Y CAGR+5.5%

Huntington Bancshares Inc earned $1.39 per diluted share (EPS) in fiscal year 2025. This represents an increase of 13.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$2.2B

YoY+30.8%

5Y CAGR+13.0%

10Y CAGR+8.9%

Huntington Bancshares Inc generated $2.2B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 30.8% from the prior year.

Cash & Debt

$13.5B

YoY+5.0%

5Y CAGR+15.4%

10Y CAGR+31.9%

Huntington Bancshares Inc held $13.5B in cash against $17.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.62

YoY+0.0%

5Y CAGR+0.7%

10Y CAGR+9.5%

Huntington Bancshares Inc paid $0.62 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

2.03B

YoY+39.6%

5Y CAGR+14.8%

10Y CAGR+9.8%

Huntington Bancshares Inc had 2.03B shares outstanding in fiscal year 2025. This represents an increase of 39.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

141.6%

YoY+9.4pp

5Y CAGR+49.1pp

10Y CAGR+108.8pp

Huntington Bancshares Inc's net profit margin was 141.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 9.4 percentage points from the prior year.

Return on Equity

9.1%

YoY-0.7pp

5Y CAGR+2.8pp

10Y CAGR-1.4pp

Huntington Bancshares Inc's ROE was 9.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$267.0M

YoY+86.7%

5Y CAGR+17.5%

10Y CAGR+11.1%

Huntington Bancshares Inc invested $267.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 86.7% from the prior year.

HBANL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.6B+6.4%	$1.5B+4.9%	$1.4B+6.2%	$1.3B+18.4%	$1.1B+25.9%	$884.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.0B+10.9%	$2.7B+6.8%	$2.5B+5.3%	$2.4B+2.8%	$2.3B+38.0%	$1.7B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.3B-5.6%	$4.6B+31.6%	$3.5B+399.6%	$696.0M+682.0%	$89.0M-79.0%	$423.0M
Income Tax	$459.0M+3.6%	$443.0M+7.3%	$413.0M-19.8%	$515.0M+75.2%	$294.0M+89.7%	$155.0M
Net Income	$2.2B+14.0%	$1.9B-0.6%	$2.0B-12.8%	$2.2B+72.8%	$1.3B+58.5%	$817.0M
EPS (Diluted)	$1.39+13.9%	$1.22-1.6%	$1.24-14.5%	$1.45+61.1%	$0.90+30.4%	$0.69

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$410.0M-3.3%	$424.0M+12.5%	$377.0M+7.4%	$351.0M-14.4%	$410.0M+13.3%	$362.0M+0.6%	$360.0M+7.1%	$336.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$845.0M+11.6%	$757.0M+4.8%	$722.0M+7.6%	$671.0M-6.2%	$715.0M+4.5%	$684.0M+3.2%	$663.0M+3.8%	$639.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.1B-1.9%	$1.1B+0.5%	$1.1B+2.4%	$1.1B-4.7%	$1.1B-7.4%	$1.2B+3.4%	$1.2B+6.5%	$1.1B
Income Tax	$108.0M-18.8%	$133.0M+38.5%	$96.0M-21.3%	$122.0M-9.6%	$135.0M+16.4%	$116.0M+9.4%	$106.0M+23.3%	$86.0M
Net Income	$519.0M-17.5%	$629.0M+17.4%	$536.0M+1.7%	$527.0M-0.6%	$530.0M+2.5%	$517.0M+9.1%	$474.0M+13.1%	$419.0M
EPS (Diluted)	N/A	$0.41+20.6%	$0.340.0%	$0.34	N/A	$0.33+10.0%	$0.30+15.4%	$0.26

HBANL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$225.1B+10.2%	$204.2B+7.8%	$189.4B+3.5%	$182.9B+5.1%	$174.1B+41.5%	$123.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$13.5B+5.0%	$12.8B+26.8%	$10.1B+51.1%	$6.7B+21.4%	$5.5B-16.3%	$6.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$6.0B+7.8%	$5.6B0.0%	$5.6B-0.2%	$5.6B+4.2%	$5.3B+168.8%	$2.0B
Total Liabilities	$200.7B+8.8%	$184.4B+8.5%	$170.0B+2.9%	$165.1B+6.7%	$154.7B+40.6%	$110.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$17.2B+5.2%	$16.4B+32.1%	$12.4B+28.0%	$9.7B+36.3%	$7.1B-14.9%	$8.4B
Total Equity	$24.3B+23.3%	$19.7B+2.0%	$19.4B+9.1%	$17.7B-8.1%	$19.3B+48.5%	$13.0B
Retained Earnings	$6.4B+22.0%	$5.2B+20.4%	$4.3B+26.4%	$3.4B+55.3%	$2.2B+17.3%	$1.9B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$225.1B+7.1%	$210.2B+1.2%	$207.7B-0.9%	$209.6B+2.6%	$204.2B+1.8%	$200.5B+2.2%	$196.3B+1.4%	$193.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$13.5B+5.9%	$12.7B+23.0%	$10.4B-32.3%	$15.3B+19.2%	$12.8B+2.1%	$12.6B+0.3%	$12.5B+3.0%	$12.2B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$6.0B+8.1%	$5.5B-0.3%	$5.6B0.0%	$5.6B0.0%	$5.6B0.0%	$5.6B0.0%	$5.6B0.0%	$5.6B
Total Liabilities	$200.7B+6.8%	$187.9B+0.6%	$186.8B-1.2%	$189.1B+2.5%	$184.4B+2.5%	$179.9B+1.8%	$176.7B+1.5%	$174.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$17.2B-0.5%	$17.3B-0.9%	$17.5B-3.5%	$18.1B+10.5%	$16.4B+4.6%	$15.7B-4.9%	$16.5B+10.5%	$14.9B
Total Equity	$24.3B+9.4%	$22.2B+6.3%	$20.9B+2.4%	$20.4B+3.5%	$19.7B-4.2%	$20.6B+5.6%	$19.5B+1.0%	$19.3B
Retained Earnings	$6.4B+3.7%	$6.1B+6.5%	$5.8B+5.1%	$5.5B+5.2%	$5.2B+5.5%	$4.9B+5.4%	$4.7B+4.6%	$4.5B

HBANL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$2.5B+35.2%	$1.8B-30.9%	$2.7B-34.0%	$4.0B+95.3%	$2.1B+55.9%	$1.3B
Capital Expenditures	$267.0M+86.7%	$143.0M+2.1%	$140.0M-34.6%	$214.0M-13.4%	$247.0M+107.6%	$119.0M
Free Cash Flow	$2.2B+30.8%	$1.7B-32.7%	$2.5B-34.0%	$3.8B+110.1%	$1.8B+50.7%	$1.2B
Investing Cash Flow	-$6.3B+47.6%	-$12.1B-304.4%	-$3.0B+74.2%	-$11.6B-193.0%	-$4.0B+54.1%	-$8.6B
Financing Cash Flow	$4.5B-65.3%	$13.0B+245.3%	$3.8B-57.0%	$8.8B+959.7%	$827.0M-93.5%	$12.7B
Dividends Paid	$908.0M+0.6%	$903.0M+0.3%	$900.0M+0.3%	$897.0M+19.6%	$750.0M+22.1%	$614.0M
Share Buybacks	N/A	N/A	$0	$0-100.0%	$650.0M+606.5%	$92.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$928.0M+90.6%	$487.0M-12.1%	$554.0M+8.0%	$513.0M-54.0%	$1.1B+2022.4%	-$58.0M-119.5%	$297.0M-38.4%	$482.0M
Capital Expenditures	$118.0M+187.8%	$41.0M-24.1%	$54.0M0.0%	$54.0M+100.0%	$27.0M-35.7%	$42.0M0.0%	$42.0M+31.3%	$32.0M
Free Cash Flow	$810.0M+81.6%	$446.0M-10.8%	$500.0M+8.9%	$459.0M-57.8%	$1.1B+1188.0%	-$100.0M-139.2%	$255.0M-43.3%	$450.0M
Investing Cash Flow	-$1.4B-439.8%	-$266.0M+89.3%	-$2.5B-16.0%	-$2.1B+55.1%	-$4.8B-66.1%	-$2.9B-31.4%	-$2.2B+3.1%	-$2.3B
Financing Cash Flow	$1.3B-41.4%	$2.2B+171.7%	-$3.0B-173.4%	$4.1B+4.3%	$3.9B+32.0%	$3.0B+31.7%	$2.3B-41.0%	$3.8B
Dividends Paid	$228.0M+0.4%	$227.0M0.0%	$227.0M+0.4%	$226.0M0.0%	$226.0M0.0%	$226.0M+0.4%	$225.0M-0.4%	$226.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

HBANL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	141.6%+9.4pp	132.1%-7.2pp	139.4%-30.4pp	169.8%+53.4pp	116.3%+23.9pp	92.4%
Return on Equity	9.1%-0.7pp	9.8%-0.3pp	10.1%-2.5pp	12.6%+5.9pp	6.7%+0.4pp	6.3%
Return on Assets	1.0%+0.0pp	0.9%-0.1pp	1.0%-0.2pp	1.2%+0.5pp	0.7%+0.1pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.71-0.1	0.83+0.2	0.64+0.1	0.55+0.2	0.37-0.3	0.64
FCF Margin	141.8%+26.5pp	115.3%-64.5pp	179.8%-109.5pp	289.3%+126.2pp	163.1%+26.9pp	136.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	126.6%-21.8pp	148.3%+6.2pp	142.2%-8.0pp	150.1%+20.9pp	129.3%-13.5pp	142.8%+11.1pp	131.7%+7.0pp	124.7%
Return on Equity	2.1%-0.7pp	2.8%+0.3pp	2.6%-0.0pp	2.6%-0.1pp	2.7%+0.2pp	2.5%+0.1pp	2.4%+0.3pp	2.2%
Return on Assets	0.2%-0.1pp	0.3%+0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.0pp	0.2%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.71-0.1	0.78-0.1	0.83-0.1	0.89+0.1	0.83+0.1	0.76-0.1	0.84+0.1	0.77
FCF Margin	197.6%+92.4pp	105.2%-27.4pp	132.6%+1.9pp	130.8%-134.6pp	265.4%+293.0pp	-27.6%-98.5pp	70.8%-63.1pp	133.9%

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Frequently Asked Questions

What is Huntington Bancshares Inc's annual revenue?

Huntington Bancshares Inc (HBANL) reported $1.6B in total revenue for fiscal year 2025. This represents a 6.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Huntington Bancshares Inc's revenue growing?

Huntington Bancshares Inc (HBANL) revenue grew by 6.4% year-over-year, from $1.5B to $1.6B in fiscal year 2025.

Is Huntington Bancshares Inc profitable?

Yes, Huntington Bancshares Inc (HBANL) reported a net income of $2.2B in fiscal year 2025, with a net profit margin of 141.6%.

How much debt does Huntington Bancshares Inc have?

As of fiscal year 2025, Huntington Bancshares Inc (HBANL) had $13.5B in cash and equivalents against $17.2B in long-term debt.

What is Huntington Bancshares Inc's net profit margin?

Huntington Bancshares Inc (HBANL) had a net profit margin of 141.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Huntington Bancshares Inc pay dividends?

Yes, Huntington Bancshares Inc (HBANL) paid $0.62 per share in dividends during fiscal year 2025.

What is Huntington Bancshares Inc's return on equity (ROE)?

Huntington Bancshares Inc (HBANL) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Huntington Bancshares Inc's free cash flow?

Huntington Bancshares Inc (HBANL) generated $2.2B in free cash flow during fiscal year 2025. This represents a 30.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Huntington Bancshares Inc's operating cash flow?

Huntington Bancshares Inc (HBANL) generated $2.5B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Huntington Bancshares Inc's total assets?

Huntington Bancshares Inc (HBANL) had $225.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Huntington Bancshares Inc's capital expenditures?

Huntington Bancshares Inc (HBANL) invested $267.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Huntington Bancshares Inc have outstanding?

Huntington Bancshares Inc (HBANL) had 2.03B shares outstanding as of fiscal year 2025.

What is Huntington Bancshares Inc's debt-to-equity ratio?

Huntington Bancshares Inc (HBANL) had a debt-to-equity ratio of 0.71 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Huntington Bancshares Inc's return on assets (ROA)?

Huntington Bancshares Inc (HBANL) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Huntington Bancshares Inc's Piotroski F-Score?

Huntington Bancshares Inc (HBANL) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Huntington Bancshares Inc's earnings high quality?

Huntington Bancshares Inc (HBANL) has an earnings quality ratio of 1.12x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Huntington Bancshares Inc?

Huntington Bancshares Inc (HBANL) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.