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

Huntington Bancshares Incorporated (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.

Huntington Bancshares Incorporated (HBANM) Financials

HBANM NASDAQ

Trailing 12 months to September 30, 2026

Revenue $10.4B +30.6% YoY

Net Income $2.5B +12.1% YoY

EPS (Diluted) $1.21 -15.4% YoY

Free Cash Flow $2.9B +17.1% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Sep 30, 2026 Reported Oct 27, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2026, filed Oct 27, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HBANM SEC filings page.

Huntington Bancshares Incorporated (HBANM) reported $10.4B in revenue over the twelve months to Sep 30, 2026, up 30.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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 2026-10-25

The bank’s 2025 rebound paired faster earnings and cash growth with a larger balance sheet and improving capital support.

In FY2025, operating cash flow rose 35.2% while net income rose 14.0%, so earnings improvement was accompanied by stronger cash generation. Free cash flow rose 30.8% despite capital expenditures rising 86.7%; compared with FY2022, cash generation is still lower even though revenue is higher.

Assets expanded 10.2% in FY2025 while equity expanded 23.3%; the capital base grew faster than the balance sheet, strengthening internal support for growth. Long-term debt grew only 5.2%, but liabilities still represented 89.2% of assets, so expansion remains mainly liability-financed.

Net profit margin recovered to 27.1%, up 0.8 pp, showing a modest margin improvement rather than a dramatic reset. Return on equity fell 0.7 pp to 9.1%; the enlarged equity base absorbed more of the earnings improvement than the margin alone suggests.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 53/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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 Huntington Bancshares Incorporated'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

Huntington Bancshares Incorporated earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and Huntington Bancshares Incorporated scores 59/100 among other banks.

Growth

Huntington Bancshares Incorporated reported revenue of $8.2B in fiscal year 2025, against $7.4B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Huntington Bancshares Incorporated scores 37/100 among other banks.

Capital

Huntington Bancshares Incorporated funded 10.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $24.3B of equity against $225.1B of assets. Capital ranks banks on that cushion, and Huntington Bancshares Incorporated scores 44/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Huntington Bancshares Incorporated scores 59/100 on it among other banks.

Credit Quality

n/a

Not available for Huntington Bancshares Incorporated, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

Huntington Bancshares Incorporated reported net income of $2.2B in fiscal year 2025, against $1.9B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Huntington Bancshares Incorporated scores 66/100 among other banks.

Piotroski F-Score Partial

6/7

Huntington Bancshares Incorporated passes 6 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, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.8B

YoY+30.8%

QoQ-1.6%

5Y CAGR+10.5%

10Y CAGR+11.6%

Huntington Bancshares Incorporated generated $2.8B in revenue in Q3 2026. This represents an increase of 30.8% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.

Net Income

$721.0M

YoY+14.6%

QoQ-0.8%

5Y CAGR+13.8%

10Y CAGR+19.0%

Huntington Bancshares Incorporated reported $721.0M in net income in Q3 2026. This represents an increase of 14.6% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

EPS (Diluted)

$0.33

YoY-19.5%

QoQ0.0%

5Y CAGR+8.4%

Huntington Bancshares Incorporated earned $0.33 per diluted share (EPS) in Q3 2026. This represents a decrease of 19.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

$683.0M

YoY+53.1%

QoQ-33.5%

5Y CAGR+5.6%

10Y CAGR+6.8%

Huntington Bancshares Incorporated generated $683.0M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 53.1% from the same quarter a year earlier. Against the prior quarter it is down 33.5%.

Cash & Debt

$16.8B

YoY+32.0%

QoQ+7.8%

5Y CAGR+11.5%

10Y CAGR+26.0%

Huntington Bancshares Incorporated held $16.8B in cash against $17.3B in long-term debt as of Q3 2026.

Dividends Per Share

$0.15

YoY0.0%

QoQ0.0%

5Y CAGR+0.7%

Huntington Bancshares Incorporated paid $0.15 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

2.02B

YoY+38.1%

QoQ-0.2%

5Y CAGR+6.9%

Huntington Bancshares Incorporated had 2.02B shares outstanding in Q3 2026. This represents an increase of 38.1% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Margins & Returns

Net Margin

25.8%

YoY-3.7pp

QoQ+0.2pp

5Y change+3.6pp

10Y change+12.1pp

Huntington Bancshares Incorporated's net profit margin was 25.8% in Q3 2026, showing the share of revenue converted to profit. This is down 3.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Return on Equity

2.2%

YoY-0.6pp

QoQ0.0pp

5Y change+0.3pp

10Y change+1.0pp

Huntington Bancshares Incorporated's quarterly ROE was 2.2% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Share Buybacks

$100.0M

YoYn/m

QoQ-37.1%

Huntington Bancshares Incorporated spent $100.0M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is down 37.1%.

Capital Expenditures

$90.0M

YoY+119.5%

QoQ-6.3%

5Y CAGR+9.2%

10Y CAGR+7.5%

Huntington Bancshares Incorporated invested $90.0M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 119.5% from the same quarter a year earlier. Against the prior quarter it is down 6.3%.

R&D Spending

Not reported for Q3 2026.

HBANM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HBANM quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$10.4B	$8.2B+10.6%	$7.4B+0.3%	$7.4B+1.5%	$7.3B+21.1%	$6.0B+24.4%	$4.8B+3.2%	$4.7B+3.5%	$4.5B+4.7%	$4.3B+22.4%	$3.5B+17.7%	$3.0B+6.2%	$2.8B+3.7%	$2.7B-3.6%	$2.8B+7.5%	$2.6B
Interest Expense	$4.9B	$4.3B-5.6%	$4.6B+31.6%	$3.5B+399.6%	$696.0M+682.0%	$89.0M-79.0%	$423.0M-57.2%	$988.0M+30.0%	$760.0M+76.3%	$431.0M+63.9%	$263.0M+60.4%	$164.0M+17.7%	$139.3M-10.7%	$156.0M-29.0%	$219.7M-35.6%	$341.1M
Income Tax	$559.0M	$459.0M+3.6%	$443.0M+7.3%	$413.0M-19.8%	$515.0M+75.2%	$294.0M+89.7%	$155.0M-37.5%	$248.0M+5.5%	$235.0M+13.0%	$208.0M0.0%	$208.0M-5.9%	$221.0M+0.2%	$220.6M-3.0%	$227.5M+12.4%	$202.3M+17.2%	$172.6M
Net Income	$2.5B	$2.2B+14.0%	$1.9B-0.6%	$2.0B-12.8%	$2.2B+72.8%	$1.3B+58.5%	$817.0M-42.1%	$1.4B+1.3%	$1.4B+17.5%	$1.2B+66.6%	$712.0M+2.7%	$693.0M+9.6%	$632.4M-1.4%	$641.3M+1.6%	$631.3M+15.5%	$546.4M
EPS (Basic)	N/A	$1.41+13.7%	$1.24-1.6%	$1.26-14.3%	$1.47+61.5%	$0.91+28.2%	$0.71-45.0%	$1.29+5.7%	$1.22+19.6%	$1.02+41.7%	$0.72-12.2%	$0.82+12.3%	$0.730.0%	$0.73+4.3%	$0.70+16.7%	$0.60
EPS (Diluted)	$1.21	$1.39+13.9%	$1.22-1.6%	$1.24-14.5%	$1.45+61.1%	$0.90+30.4%	$0.69-45.7%	$1.27+5.8%	$1.20+20.0%	$1.00+42.9%	$0.70-13.6%	$0.81+12.5%	$0.720.0%	$0.72+4.3%	$0.69+16.9%	$0.59
Diluted Shares (Avg)	N/A	1.50B+1.9%	1.48B+0.6%	1.47B+0.2%	1.47B+13.9%	1.29B+24.6%	1.03B-2.2%	1.06B-4.5%	1.11B-2.7%	1.14B+23.7%	919M+12.4%	817M-1.9%	833M-1.3%	844M-2.3%	863M-0.5%	868M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$2.8B+30.8%	$2.8B+46.4%	$2.6B+34.0%	$2.2B+11.3%	$2.1B+13.9%	$1.9B+7.5%	$1.9B+9.5%	$2.0B+13.5%
Interest Expense	$1.3B+20.7%	$1.3B+22.1%	$1.2B+12.4%	$1.1B-3.8%	$1.1B-9.1%	$1.1B-6.4%	$1.1B-2.7%	$1.1B+7.8%
Income Tax	$172.0M+29.3%	$165.0M+71.9%	$114.0M-6.6%	$108.0M-20.0%	$133.0M+14.7%	$96.0M-9.4%	$122.0M+41.9%	$135.0Mn/m
Net Income	$721.0M+14.6%	$727.0M+35.6%	$523.0M-0.8%	$519.0M-2.1%	$629.0M+21.7%	$536.0M+13.1%	$527.0M+25.8%	$530.0M+118.1%
EPS (Basic)	$0.34-17.1%	$0.34-2.9%	$0.26-23.5%	$0.30-11.8%	$0.41+24.2%	$0.35+16.7%	$0.34+30.8%	$0.34+126.7%
EPS (Diluted)	$0.33-19.5%	$0.33-2.9%	$0.25-26.5%	$0.30-11.8%	$0.41+24.2%	$0.34+13.3%	$0.34+30.8%	$0.34+126.7%
Diluted Shares (Avg)	2.05B+37.9%	2.05B+38.3%	1.90B+28.3%	N/A	1.48B+0.5%	1.48B+0.5%	1.48B+0.6%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

HBANM Balance Sheet

HBANM quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$225.1B+10.2%	$204.2B+7.8%	$189.4B+3.5%	$182.9B+5.1%	$174.1B+41.5%	$123.0B+12.9%	$109.0B+0.2%	$108.8B+4.4%	$104.2B+4.5%	$99.7B+40.4%	$71.0B+7.1%	$66.3B+11.5%	$59.5B+5.9%	$56.1B+3.1%	$54.5B
Cash & Equivalents	$13.5B+5.0%	$12.8B+26.8%	$10.1B+51.1%	$6.7B+21.4%	$5.5B-16.3%	$6.6B+463.7%	$1.2B-56.2%	$2.7B+75.8%	$1.5B+9.7%	$1.4B+63.5%	$847.0M-30.6%	$1.2B+22.0%	$1.0B-20.7%	$1.3B0.0%	$1.3B
Goodwill	$6.0B+7.8%	$5.6B0.0%	$5.6B-0.2%	$5.6B+4.2%	$5.3B+168.8%	$2.0B0.0%	$2.0B+0.1%	$2.0B-0.2%	$2.0B0.0%	$2.0B+194.4%	$677.0M+29.6%	$522.5M+17.6%	$444.3M0.0%	$444.3M0.0%	$444.3M
Total Liabilities	$200.7B+8.8%	$184.4B+8.5%	$170.0B+2.9%	$165.1B+6.7%	$154.7B+40.6%	$110.0B+13.2%	$97.2B-0.5%	$97.7B+4.6%	$93.4B+4.4%	$89.4B+38.8%	$64.4B+7.4%	$60.0B+12.4%	$53.4B+6.0%	$50.4B+2.7%	$49.0B
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-15.2%	$9.8B+14.2%	$8.6B-6.3%	$9.2B+10.8%	$8.3B+18.0%	$7.0B+62.4%	$4.3B+76.4%	$2.5B	N/A	N/A
Total Equity	$24.3B+23.3%	$19.7B+2.0%	$19.4B+9.1%	$17.7B-8.1%	$19.3B+48.5%	$13.0B+10.2%	$11.8B+6.2%	$11.1B+2.7%	$10.8B+4.9%	$10.3B+56.3%	$6.6B+4.2%	$6.3B+3.9%	$6.1B+5.4%	$5.8B0.0%	$5.8B
Retained Earnings	$6.4B+22.0%	$5.2B+20.4%	$4.3B+26.4%	$3.4B+55.3%	$2.2B+17.3%	$1.9B-10.1%	$2.1B+53.4%	$1.4B+131.5%	$588.0Mn/m	-$227.0Mn/m	-$594.1Mn/m	-$1.1Bn/m	-$1.5Bn/m	-$1.9Bn/m	-$2.4B

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$287.8B+36.9%	$284.0B+36.7%	$285.4B+36.2%	$225.1B+10.2%	$210.2B+4.8%	$207.7B+5.8%	$209.6B+8.3%	$204.2B+7.8%
Cash & Equivalents	$16.8B+32.0%	$15.6B+50.6%	$19.2B+25.3%	$13.5B+5.0%	$12.7B+1.2%	$10.4B-17.4%	$15.3B+25.7%	$12.8B+26.8%
Goodwill	$9.5B+71.8%	$9.5B+71.3%	$9.5B+71.3%	$6.0B+7.8%	$5.5B-0.3%	$5.6B0.0%	$5.6B0.0%	$5.6B0.0%
Total Liabilities	$255.6B+36.0%	$251.3B+34.6%	$252.8B+33.7%	$200.7B+8.8%	$187.9B+4.5%	$186.8B+5.7%	$189.1B+8.6%	$184.4B+8.5%
Long-Term Debt	$17.3B+0.2%	$18.7B+7.3%	$21.6B+19.3%	$17.2B+5.2%	$17.3B+10.6%	$17.5B+6.1%	$18.1B+21.5%	$16.4B+32.1%
Total Equity	$32.2B+44.6%	$32.6B+55.9%	$32.5B+59.2%	$24.3B+23.3%	$22.2B+8.0%	$20.9B+7.2%	$20.4B+5.8%	$19.7B+2.0%
Retained Earnings	$7.2B+18.3%	$6.9B+19.6%	$6.5B+19.0%	$6.4B+22.0%	$6.1B+24.1%	$5.8B+22.8%	$5.5B+22.3%	$5.2B+20.4%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

HBANM Cash Flow Statement

HBANM quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$3.3B	$2.5B+35.2%	$1.8B-30.9%	$2.7B-34.0%	$4.0B+95.3%	$2.1B+55.9%	$1.3B-15.9%	$1.6B-8.8%	$1.7B-11.7%	$2.0B+60.8%	$1.2B+17.6%	$1.0B+16.2%	$888.8M-12.3%	$1.0B+1.1%	$1.0B-37.2%	$1.6B
Depreciation & Amortization	N/A	$762.0M+22.5%	$622.0M-22.1%	$798.0M+64.9%	$484.0M+23.8%	$391.0M+6.5%	$367.0M-4.9%	$386.0M-21.7%	$493.0M+19.4%	$413.0M+8.7%	$380.0M+11.4%	$341.0M+2.5%	$332.8M+18.2%	$281.5M+2.5%	$274.6M-2.7%	$282.1M
Stock-Based Compensation	N/A	$113.0M+6.6%	$106.0M+9.3%	$97.0M-7.6%	$105.0M-18.6%	$129.0M+67.5%	$77.0M-7.2%	$83.0M+6.4%	$78.0M-15.2%	$92.0M+39.4%	$66.0M+29.4%	$51.0M+16.8%	$43.7M+18.0%	$37.0M+32.8%	$27.9M+41.7%	$19.7M
Capital Expenditures	$428.0M	$267.0M+86.7%	$143.0M+2.1%	$140.0M-34.6%	$214.0M-13.4%	$247.0M+107.6%	$119.0M+11.2%	$107.0M-2.7%	$110.0M-43.3%	$194.0M+61.7%	$120.0M+29.0%	$93.0M+58.0%	$58.9M-42.4%	$102.2M-21.2%	$129.6M-9.8%	$143.8M
Free Cash Flow	$2.9B	$2.2B+30.8%	$1.7B-32.7%	$2.5B-34.0%	$3.8B+110.1%	$1.8B+50.7%	$1.2B-17.9%	$1.5B-9.2%	$1.6B-8.2%	$1.8B+60.7%	$1.1B+16.5%	$940.0M+13.3%	$829.9M-8.9%	$911.0M+4.4%	$872.5M-39.9%	$1.5B
Investing Cash Flow	-$6.4B	-$6.3Bn/m	-$12.1Bn/m	-$3.0Bn/m	-$11.6Bn/m	-$4.0Bn/m	-$8.6Bn/m	-$1.9Bn/m	-$3.7Bn/m	-$4.9Bn/m	-$3.4Bn/m	-$4.9Bn/m	-$5.0Bn/m	-$4.2Bn/m	-$1.1Bn/m	-$1.3B
Financing Cash Flow	$7.2B	$4.5B-65.3%	$13.0B+245.3%	$3.8B-57.0%	$8.8B+959.7%	$827.0M-93.5%	$12.7Bn/m	-$1.2B-138.8%	$3.1B+1.4%	$3.0B+10.1%	$2.8B-21.4%	$3.5B-18.8%	$4.3B+46.2%	$3.0B+1202.4%	$227.7Mn/m	-$22.0M
Dividends Paid	$1.1B	$908.0M+0.6%	$903.0M+0.3%	$900.0M+0.3%	$897.0M+19.6%	$750.0M+22.1%	$614.0M+2.8%	$597.0M+16.1%	$514.0M+47.3%	$349.0M+42.4%	$245.0M+26.9%	$193.0M+15.6%	$166.9M+10.8%	$150.6M-11.1%	$169.3M+83.3%	$92.4M
Share Buybacks	N/A	N/A	N/A	$0n/m	$0-100.0%	$650.0M+606.5%	$92.0M-79.1%	$441.0M-53.0%	$939.0M+261.2%	$260.0Mn/m	$0-100.0%	$252.0M-24.6%	$334.4M+167.6%	$125.0M	N/A	N/A

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$773.0M+58.7%	$1.1B+102.7%	$524.0M+2.1%	$928.0M-16.8%	$487.0Mn/m	$554.0M+86.5%	$513.0M+6.4%	$1.1B+24.2%
Depreciation & Amortization	$170.0M-2.9%	$192.0M+2.1%	$191.0M-8.6%	$190.0M	$175.0M+32.6%	$188.0M	$209.0M+10.0%	N/A
Stock-Based Compensation	N/A	$95.0M	$45.0M+114.3%	N/A	N/A	N/A	$21.0M+5.0%	N/A
Capital Expenditures	$90.0M+119.5%	$96.0M+77.8%	$124.0M+129.6%	$118.0M+337.0%	$41.0M-2.4%	$54.0M+28.6%	$54.0M+68.8%	$27.0M-55.0%
Free Cash Flow	$683.0M+53.1%	$1.0B+105.4%	$400.0M-12.9%	$810.0M-25.6%	$446.0Mn/m	$500.0M+96.1%	$459.0M+2.0%	$1.1B+29.8%
Investing Cash Flow	-$3.2Bn/m	-$1.7Bn/m	-$135.0Mn/m	-$1.4Bn/m	-$266.0Mn/m	-$2.5Bn/m	-$2.1Bn/m	-$4.8Bn/m
Financing Cash Flow	$3.7B+69.4%	-$3.1Bn/m	$5.3B+29.3%	$1.3B-67.8%	$2.2B-27.5%	-$3.0B-233.1%	$4.1B+7.0%	$3.9B+255.7%
Dividends Paid	$313.0M+37.9%	$316.0M+39.2%	$248.0M+9.7%	$228.0M+0.9%	$227.0M+0.4%	$227.0M+0.9%	$226.0M0.0%	$226.0M0.0%
Share Buybacks	$100.0Mn/m	$159.0Mn/m	$150.0Mn/m	N/A	$0	$0	$0	N/A

HBANM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HBANM quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	27.1%+0.8pp	26.3%-0.2pp	26.5%-4.3pp	30.9%+9.2pp	21.6%+4.7pp	17.0%-13.3pp	30.2%-0.7pp	30.9%+3.4pp	27.5%+7.3pp	20.2%-2.9pp	23.2%+0.7pp	22.4%-1.1pp	23.6%+1.2pp	22.4%+1.6pp	20.8%
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%-5.7pp	12.0%-0.6pp	12.6%+1.6pp	11.0%+4.1pp	6.9%-3.6pp	10.5%+0.5pp	10.0%-0.5pp	10.5%-0.4pp	10.9%+1.5pp	9.5%
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%-0.6pp	1.3%0.0pp	1.3%+0.1pp	1.1%+0.4pp	0.7%-0.3pp	1.0%0.0pp	0.9%-0.1pp	1.1%0.0pp	1.1%+0.1pp	1.0%
Debt-to-Equity	0.71-0.1x	0.83+0.2x	0.64+0.1x	0.55+0.2x	0.37-0.3x	0.64-0.2x	0.83+0.1x	0.78-0.1x	0.850.0x	0.81-0.3x	1.07+0.4x	0.69+0.3x	0.40	N/A	N/A
Liabilities-to-Equity	8.25-1.1x	9.34+0.6x	8.78-0.5x	9.31+1.3x	8.02-0.5x	8.47+0.2x	8.24-0.6x	8.80+0.2x	8.630.0x	8.67-1.1x	9.77+0.3x	9.48+0.7x	8.760.0x	8.72+0.2x	8.49
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.05
FCF Margin	27.1%+4.2pp	22.9%-11.3pp	34.2%-18.4pp	52.6%+22.3pp	30.3%+5.3pp	25.0%-6.4pp	31.4%-4.4pp	35.8%-5.0pp	40.8%+9.7pp	31.1%-0.3pp	31.4%+2.0pp	29.5%-4.1pp	33.5%+2.6pp	31.0%-24.4pp	55.4%

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	25.8%-3.7pp	25.6%-2.0pp	20.3%-7.1pp	23.9%-3.3pp	29.5%+1.9pp	27.7%+1.4pp	27.5%+3.6pp	27.1%+13.0pp
Return on Equity	2.2%-0.6pp	2.2%-0.3pp	1.6%-1.0pp	2.1%-0.6pp	2.8%+0.3pp	2.6%+0.1pp	2.6%+0.4pp	2.7%+1.4pp
Return on Assets	0.3%-0.1pp	0.3%0.0pp	0.2%-0.1pp	0.2%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp
Debt-to-Equity	0.54-0.2x	0.57-0.3x	0.66-0.2x	0.71-0.1x	0.780.0x	0.830.0x	0.89+0.1x	0.83+0.2x
Liabilities-to-Equity	7.94-0.5x	7.70-1.2x	7.77-1.5x	8.25-1.1x	8.45-0.3x	8.92-0.1x	9.25+0.2x	9.34+0.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	24.5%+3.6pp	36.2%+10.4pp	15.6%-8.4pp	37.3%-18.4pp	20.9%+26.2pp	25.8%+11.7pp	23.9%-1.7pp	55.7%+7.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Huntington Bancshares Incorporated HBANM	FY2025	$8.2B	$2.2B	27.1%	N/A	53/100
Huntington Bancshares Incorporated HBANL	FY2025	$8.2B	$2.2B	27.1%	N/A	53/100
Huntington Bancshares Incorporated HBANP	FY2025	$8.2B	$2.2B	27.1%	N/A	53/100
Bridgewater Bancshares, Inc. BWBBP	FY2025	$143.4M	$46.1M	32.1%	N/A	60/100
MainStreet Bancshares, Inc. MNSBP	FY2025	$135.6M	$15.6M	11.5%	N/A	49/100

Where Huntington Bancshares Incorporated Ranks

Frequently Asked Questions

What is Huntington Bancshares Incorporated's annual revenue?

Huntington Bancshares Incorporated (HBANM) reported $8.2B in total revenue for fiscal year 2025. This represents a 10.6% 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 Incorporated's revenue growing?

Huntington Bancshares Incorporated (HBANM) revenue grew by 10.6% year-over-year, from $7.4B to $8.2B in fiscal year 2025.

Is Huntington Bancshares Incorporated profitable?

Yes, Huntington Bancshares Incorporated (HBANM) reported a net income of $2.5B over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $2.2B, with a net profit margin of 27.1%.

How much debt does Huntington Bancshares Incorporated have?

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

What is Huntington Bancshares Incorporated's net profit margin?

Huntington Bancshares Incorporated (HBANM) had a net profit margin of 27.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Huntington Bancshares Incorporated pay dividends?

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

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

Huntington Bancshares Incorporated (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 Huntington Bancshares Incorporated's free cash flow?

Huntington Bancshares Incorporated (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 Huntington Bancshares Incorporated's operating cash flow?

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

What are Huntington Bancshares Incorporated's total assets?

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

What are Huntington Bancshares Incorporated's capital expenditures?

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

How many shares does Huntington Bancshares Incorporated have outstanding?

Huntington Bancshares Incorporated (HBANM) had 2.03B shares outstanding as of fiscal year 2025.

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

Huntington Bancshares Incorporated (HBANM) had a debt-to-equity ratio of 0.71 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Huntington Bancshares Incorporated's liabilities-to-equity ratio?

Huntington Bancshares Incorporated (HBANM) had a liabilities-to-equity ratio of 8.25 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

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

Huntington Bancshares Incorporated (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 Huntington Bancshares Incorporated's Piotroski F-Score?

Huntington Bancshares Incorporated (HBANM) has a Piotroski F-Score of 6 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.

How financially healthy is Huntington Bancshares Incorporated?

Huntington Bancshares Incorporated (HBANM) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average 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. For Huntington Bancshares Incorporated it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.