What is Huntingtn Bncshr's earnings per share (EPS)?

Huntingtn Bncshr (HBANM) 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.

Huntingtn Bncshr Financials

HBANM

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Huntingtn Bncshr (HBANM) 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 HBANM FY2025 2026-04-22

Huntington's core mechanic is scaling a large liability-funded balance sheet while keeping asset returns anchored near 1.0%.

From FY2023 to FY2025, assets expanded by $35.7B while ROA stayed near 1.0%; that combination says earnings rose mainly by running a larger balance sheet, not by extracting more profit from each asset dollar. In FY2025, higher equity pushed ROE down to 9.1% even as net income climbed to $2.2B, showing a thicker capital base can dilute per-dollar shareholder returns.

This is a capital-light operating model in the physical sense: capex was only $267M against $225.1B of assets. Because free cash flow of $2.2B sat close to operating cash flow of $2.5B, most cash generation was shaped by balance-sheet activity rather than heavy physical reinvestment.

Funding remains liability-heavy, but FY2025 improved the buffer: cash reached $13.5B and debt-to-equity eased to 0.7x. Dividends of $908M consumed well under operating cash flow of $2.5B, so shareholder payouts appear supported by internally generated cash instead of requiring extra financing.

Financial Health Signals

Financial Health Score 43/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Huntingtn Bncshr'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.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

5/7

Huntingtn Bncshr passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 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, Huntingtn Bncshr 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%

Huntingtn Bncshr 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%

Huntingtn Bncshr 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%

Huntingtn Bncshr 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%

Huntingtn Bncshr 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%

Huntingtn Bncshr 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%

Huntingtn Bncshr 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%

Huntingtn Bncshr 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

Huntingtn Bncshr'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

Huntingtn Bncshr'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%

Huntingtn Bncshr 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.

HBANM 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$472.0M+15.1%	$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
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	$992.0M+17.4%	$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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.2B+11.4%	$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
Income Tax	$114.0M+5.6%	$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
Net Income	$523.0M+0.8%	$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
EPS (Diluted)	$0.25	N/A	$0.41+20.6%	$0.340.0%	$0.34	N/A	$0.33+10.0%	$0.30

HBANM 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$285.4B+26.8%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$19.2B+42.2%	$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
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	$9.5B+58.9%	$6.0B+8.1%	$5.5B-0.3%	$5.6B0.0%	$5.6B0.0%	$5.6B0.0%	$5.6B0.0%	$5.6B
Total Liabilities	$252.8B+25.9%	$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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$21.6B+25.4%	$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
Total Equity	$32.5B+33.7%	$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
Retained Earnings	$6.5B+2.6%	$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

HBANM 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$524.0M-43.5%	$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
Capital Expenditures	$124.0M+5.1%	$118.0M+187.8%	$41.0M-24.1%	$54.0M0.0%	$54.0M+100.0%	$27.0M-35.7%	$42.0M0.0%	$42.0M
Free Cash Flow	$400.0M-50.6%	$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
Investing Cash Flow	-$135.0M+90.6%	-$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
Financing Cash Flow	$5.3B+319.1%	$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
Dividends Paid	$248.0M+8.8%	$228.0M+0.4%	$227.0M0.0%	$227.0M+0.4%	$226.0M0.0%	$226.0M0.0%	$226.0M+0.4%	$225.0M
Share Buybacks	$150.0M	N/A	N/A	N/A	$0	N/A	N/A	N/A

HBANM 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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	110.8%-15.8pp	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%
Return on Equity	1.6%-0.5pp	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%
Return on Assets	0.2%-0.1pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.66-0.0	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
FCF Margin	84.8%-112.8pp	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%

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Frequently Asked Questions

What is Huntingtn Bncshr's annual revenue?

Huntingtn Bncshr (HBANM) 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 Huntingtn Bncshr's revenue growing?

Huntingtn Bncshr (HBANM) revenue grew by 6.4% year-over-year, from $1.5B to $1.6B in fiscal year 2025.

Is Huntingtn Bncshr profitable?

Yes, Huntingtn Bncshr (HBANM) reported a net income of $2.2B in fiscal year 2025, with a net profit margin of 141.6%.

How much debt does Huntingtn Bncshr have?

As of fiscal year 2025, Huntingtn Bncshr (HBANM) had $13.5B in cash and equivalents against $17.2B in long-term debt.

What is Huntingtn Bncshr's net profit margin?

Huntingtn Bncshr (HBANM) had a net profit margin of 141.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Huntingtn Bncshr pay dividends?

Yes, Huntingtn Bncshr (HBANM) paid $0.62 per share in dividends during fiscal year 2025.

What is Huntingtn Bncshr's return on equity (ROE)?

Huntingtn Bncshr (HBANM) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Huntingtn Bncshr's free cash flow?

Huntingtn Bncshr (HBANM) 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 Huntingtn Bncshr's operating cash flow?

Huntingtn Bncshr (HBANM) generated $2.5B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Huntingtn Bncshr's total assets?

Huntingtn Bncshr (HBANM) had $225.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Huntingtn Bncshr's capital expenditures?

Huntingtn Bncshr (HBANM) invested $267.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Huntingtn Bncshr have outstanding?

Huntingtn Bncshr (HBANM) had 2.03B shares outstanding as of fiscal year 2025.

What is Huntingtn Bncshr's debt-to-equity ratio?

Huntingtn Bncshr (HBANM) 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 Huntingtn Bncshr's return on assets (ROA)?

Huntingtn Bncshr (HBANM) 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 Huntingtn Bncshr's Piotroski F-Score?

Huntingtn Bncshr (HBANM) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Huntingtn Bncshr's earnings high quality?

Huntingtn Bncshr (HBANM) 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 Huntingtn Bncshr?

Huntingtn Bncshr (HBANM) scores 43 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.