What is the 13F Pro Quality Score for HBAN?

13F Pro ranks HUNTINGTON BANCSHARES INC /MD/ (HBAN) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View HBAN's current score at https://13fpro.ai/research/HBAN (free sign-up required for the full ranking).

Where does 13F Pro source HBAN data?

All HUNTINGTON BANCSHARES INC /MD/ fundamentals and ownership data come directly from SEC EDGAR. HUNTINGTON BANCSHARES INC /MD/ files with the SEC under CIK 49196. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is HBAN in?

HUNTINGTON BANCSHARES INC /MD/ (HBAN) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives HBAN's revenue?

Per HUNTINGTON BANCSHARES INC /MD/'s latest 10-Q filed with the SEC on 2026-04-30, the biggest revenue drivers are: Net Interest Income (FTE basis, non-GAAP) ($1,910M, +33% YoY); Noninterest Income ($682M, +38% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/HBAN.

What are HBAN's largest expenses?

HUNTINGTON BANCSHARES INC /MD/'s latest 10-Q reports these as the largest expense items: Personnel Costs ($992M, +48% YoY); Outside Data Processing and Other Services ($311M, +83% YoY); Amortization of Intangibles ($41M, +273% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is HBAN research updated on 13F Pro?

HBAN's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

HUNTINGTON BANCSHARES INC /MD/(HBAN)Stock Analysis

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13F Pro Quality Score

69.4/100

Rank #370 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

61.0/100

Profitability

96.9/100

Balance Sheet

43.5/100

Earnings Quality

41.9/100

Free Cash Flow

96.4/100

Institutional Flow

97.9/100

Revenue Scale

58.9/100

Dilution Risk

20.8/100

HBAN Stock Analysis & AI Quality Score

AI stock analysis and institutional research for HUNTINGTON BANCSHARES INC /MD/ (HBAN), a Financials sector company. 13F Pro's AI-powered ranking engine scores HBAN at 69.4/100 on a 32-signal composite quality model, placing it at rank #370 of 2,879 stocks — the top 25% of the AI-ranked universe. HBAN scores in the top quartile across institutional flow (97.9), profitability (96.9), free cash flow (96.4). Shareholder dilution risk is elevated at 20.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), HUNTINGTON BANCSHARES INC /MD/ reports quarterly revenue of $2.6B, net income of $523.0M, free cash flow of $400.0M. Top institutional holders of HBAN by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, WELLINGTON MANAGEMENT GROUP LLP, based on the most recent SEC filings. HBAN trades on the Nasdaq exchange and files with the SEC under CIK 49196. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate HBAN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for HUNTINGTON BANCSHARES INC /MD/ directly from SEC EDGAR. HUNTINGTON BANCSHARES INC /MD/'s 13F Pro composite quality score has ranged between 60 and 75 since 2021, currently 69.4 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about HUNTINGTON BANCSHARES INC /MD/

Quirks, history, and lore behind HBAN — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · listed on Nasdaq · headquartered in Ohio · serving consumers, businesses, and governments across the Midwest and beyond.
2
The Numbers
With roughly $200 billion in assets, it ranks among the top ten U.S. regional banks — big enough to matter, small enough that Wall Street still calls it a regional.
3
The History
Founded in the late 1800s in Columbus, Ohio, it spent the following century quietly gobbling up Midwestern banks before making a major leap with its acquisition of TCF Financial in 2021.
4
The Secret
It prides itself on a "Fair Play" banking philosophy — a customer-friendly approach that includes 24-hour grace periods on overdrafts, back when that was genuinely radical for a big bank.
5
The Lore
Its footprint spans over 1,000 branches across more than a dozen states, with particularly deep roots in Michigan, Ohio, and Pennsylvania — the heart of Rust Belt banking.
6
The Giveaway
Named after a peninsula on Lake Erie, this Ohio-born bank's ticker is four letters that rhyme with a popular sci-fi weapon — HBAN, home of the Huntington name plastered on Columbus's beloved arena.

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What's Driving HBAN's Business? Latest 10-Q Breakdown

✓ 45/45 datapoints verified

AI-extracted from HUNTINGTON BANCSHARES INC /MD/'s 10-Q filed 2026-04-30 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $523M ($0.25 per diluted share) reflects Cadence ($8.3B) and Veritex ($1.7B) acquisitions completed in Q1 2026, with $263M acquisition-related expenses and $50.7B increase in average earning assets driving 33% NII growth.

Biggest Revenue Drivers

Total revenue: $2,592M (FTE, non-GAAP)+34% YoY

Net Interest Income (FTE basis, non-GAAP)$1,910M+33% YoY

Increase driven by $50.7B growth in average earning assets and 14 basis point expansion in NIM to 3.24%, partially offset by $40.1B increase in average interest-bearing liabilities.

Noninterest Income$682M+38% YoY

Increases across all major categories: Capital markets fees +97%, Customer deposit and loan fees +28%, Payments and cash management +21%, Wealth and asset management +19%.

Largest Expense Items

Personnel Costs$992M+48% YoY

$97M of acquisition-related severance and compensation; remainder reflects higher salary and benefit expense including acquisitions impact.

Outside Data Processing and Other Services$311M+83% YoY

$88M acquisition-related; remainder reflects higher technology and data expense from acquisitions and organic growth.

Amortization of Intangibles$41M+273% YoY

$30M increase driven by core deposit intangibles from Cadence and Veritex acquisitions.

Net Occupancy$85M+31% YoY

Increases in lease and depreciation expense from acquisitions; $2M acquisition-related.

Margins: Net interest margin expanded 14 basis points to 3.24% YoY, driven by lower cost of funds partially offset by lower yields on earning assets. Excluding acquisition-related expenses of $263M, noninterest expense would have grown 31% rather than 54%, reflecting cost pressures from acquisitions and organic expansion.

Watch Items from the Filing

Cadence acquisition ($8.3B in common stock consideration, $3.5B goodwill) closed February 1, 2026; Veritex ($1.7B, $450M goodwill) closed October 20, 2025. Integration ongoing with $263M acquisition expenses in Q1 2026. CET1 capital ratio declined to 10.2% from 10.4% due to acquisition impact and share repurchases.
Nonaccrual loans increased 44% to $1.4B at March 31, 2026 from $945M year-end, driven partly by $295M NPAs assumed in Cadence acquisition; uptick in commercial and industrial and commercial real estate NALs warrants monitoring.
ACL decreased to 1.78% of total loans from 1.83% despite $890M increase, reflecting lower coverage ratio on acquired and organic growth; $578M ACL recorded for Cadence loans. General reserve includes risk profiles for business banking C&I and office CRE amid tariff and rate uncertainty.
Efficiency ratio 67.2% (excluding acquisition expense ~59%), elevated from 58.9% prior year; full integration and cost synergies from Cadence and Veritex critical to offsetting expense growth.
Regulatory capital framework modernization proposed March 19, 2026; would require recognition of most AOCI elements over 5-year transition and revise risk weights. Impact assessment ongoing; potential for meaningful capital ratio changes.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$2.6B

Net Income

Q1 2026

$523.0M

Free Cash Flow

Q1 2026

$400.0M

ROIC

Q1 2026

1.2%

D/E Ratio

Q1 2026

0.72

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+6.4% YoY

$1.56BFY 2025

FY22 $1.32BFY23 $1.40BFY24 $1.47BFY25 $1.56B

Net Income

+14.0% YoY

$2.21BFY 2025

FY22 $2.24BFY23 $1.95BFY24 $1.94BFY25 $2.21B

EPS (Diluted)

+13.9% YoY

$1.39FY 2025

FY22 $1.45FY23 $1.24FY24 $1.22FY25 $1.39

Total Assets

+10.2% YoY

$225.11BFY 2025

FY22 $182.91BFY23 $189.37BFY24 $204.23BFY25 $225.11B

Total Debt

+11.5% YoY

$18.48BFY 2025

FY22 $11.71BFY23 $13.01BFY24 $16.57BFY25 $18.48B

Op. Cash Flow

+35.2% YoY

$2.48BFY 2025

FY22 $4.03BFY23 $2.66BFY24 $1.84BFY25 $2.48B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$1.56B +6.4%	$1.47B +4.9%	$1.40B +6.2%	$1.32B +18.4%	$1.11B +18.5%	$939.0M
Net Income	$2.21B +14.0%	$1.94B -0.6%	$1.95B -12.8%	$2.24B +72.8%	$1.29B -8.2%	$1.41B
EPS (Diluted)	$1.39 +13.9%	$1.22 -1.6%	$1.24 -14.5%	$1.45 +61.1%	$0.90 -29.1%	$1.27
Total Assets	$225.11B +10.2%	$204.23B +7.8%	$189.37B +3.5%	$182.91B +5.1%	$174.06B +59.7%	$109.00B
Total Debt	$18.48B +11.5%	$16.57B +27.3%	$13.01B +11.1%	$11.71B +57.4%	$7.44B -40.2%	$12.46B
Operating Cash Flow	$2.48B +35.2%	$1.84B -30.9%	$2.66B -34.0%	$4.03B +95.3%	$2.06B +31.0%	$1.57B

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Available Research

13F Pro tracks comprehensive data for HUNTINGTON BANCSHARES INC /MD/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of HBAN

BlackRock, Inc.
$2.8B175,848,308 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.1B131,810,766 sh
WELLINGTON MANAGEMENT GROUP LLP
$2.0B129,387,133 sh
STATE STREET CORP
$1.5B94,350,662 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.5B93,852,592 sh
Invesco Ltd.
$1.1B67,273,930 sh
GEODE CAPITAL MANAGEMENT, LLC
$884.3M56,713,932 sh
Boston Partners
$785.1M50,150,636 sh
DZ BANK AG Deutsche Zentral Genossenschafts Bank, Frankfurt
$783.3M50,053,460 sh
FMR LLC
$720.0M46,007,278 sh

Fund	Value	Shares
BlackRock, Inc.	$2.8B	175,848,308
VANGUARD CAPITAL MANAGEMENT LLC	$2.1B	131,810,766
WELLINGTON MANAGEMENT GROUP LLP	$2.0B	129,387,133
STATE STREET CORP	$1.5B	94,350,662
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.5B	93,852,592
Invesco Ltd.	$1.1B	67,273,930
GEODE CAPITAL MANAGEMENT, LLC	$884.3M	56,713,932
Boston Partners	$785.1M	50,150,636
DZ BANK AG Deutsche Zentral Genossenschafts Bank, Frankfurt	$783.3M	50,053,460
FMR LLC	$720.0M	46,007,278

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Is HBAN a good stock to buy?

13F Pro's AI-powered analysis of HUNTINGTON BANCSHARES INC /MD/ (HBAN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for HBAN are available on the HBAN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own HBAN?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling HBAN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of HUNTINGTON BANCSHARES INC /MD/'s investment landscape.