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/company/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 2026-07-28, the biggest revenue drivers are: Net interest income ($2,052M, +40% YoY); Noninterest income ($785M, +67% YoY); Capital markets and advisory fees ($140M, +67% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/HBAN.

What are HBAN's largest expenses?

HUNTINGTON BANCSHARES INC /MD/'s latest 10-Q reports these as the largest expense items: Personnel costs ($1,010M, +40% YoY); Outside data processing and other services ($326M, +79% YoY); Amortization of intangibles ($54M, +391% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 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

65.0/100

Rank #509 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

61.9/100

Profitability

82.1/100

Balance Sheet

41.0/100

Earnings Quality

42.7/100

Free Cash Flow

78.3/100

Institutional Flow

60.7/100

Revenue Scale

85.1/100

Dilution Risk

20.1/100

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Why HBAN Scores 65/100

exact factor attribution · 2026-09-11

HBAN's composite is driven by scale and profitability, held back by shareholder dilution and capital efficiency. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+7.0 pts

85th pct

Profitability

+6.4 pts

82th pct

Free cash flow

+4.2 pts

78th pct

Revenue growth

+3.2 pts

62th pct

Earnings growth

+0.8 pts

63th pct

Institutional flow

+0.7 pts

61th pct

Earnings quality

-0.7 pts

43th pct

Capital efficiency

-1.2 pts

41th pct

Shareholder dilution

-2.0 pts

20th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

HBAN Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 65.0/100 on a 32-signal composite quality model, placing it at rank #509 of 2,961 stocks — the top 25% of the AI-ranked universe. HBAN scores in the top quartile across revenue scale (85.1), profitability (82.1), free cash flow (78.3). Shareholder dilution risk is elevated at 20.1/100, 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 56 and 75 since 2021, currently 65.0 — a stable long-term trajectory across 67 quarterly and live scoring snapshots.

✦

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

✓ 38/38 datapoints verified

AI-extracted from HUNTINGTON BANCSHARES INC /MD/'s 10-Q filed 2026-07-28 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 36% YoY to $727M as the Cadence acquisition (closed Feb 1, 2026) drove total revenue up 46% on an FTE basis to $2.86B, though $152M of acquisition-related expenses cut diluted EPS to $0.33 from $0.34.

Biggest Revenue Drivers

Net interest income$2,052M+40% YoY

Reflected a $67.5B, or 35%, increase in average earning assets and a 10bp increase in FTE NIM to 3.21%, driven by the Cadence and Veritex acquisitions plus organic growth

Noninterest income$785M+67% YoY

Driven by increases across all major noninterest income categories, in part due to the impact from the Cadence and Veritex acquisitions

Biggest Revenue Drivers

Total revenue: $2.84B+46% YoY

Net interest income$2,052M+40% YoY

Reflected a $67.5B, or 35%, increase in average earning assets and a 10bp increase in FTE NIM to 3.21%, driven by the Cadence and Veritex acquisitions plus organic growth

Noninterest income$785M+67% YoY

Driven by increases across all major noninterest income categories, in part due to the impact from the Cadence and Veritex acquisitions

Within Noninterest income

Capital markets and advisory fees$140M+67% YoY

Higher advisory fees from the legacy business and the impact of three strategic business units acquired from Janney, plus higher syndication fees

Payments and cash management revenue$204M+24% YoY

Driven by higher cash management and interchange revenue

Customer deposit and loan fees$128M+35% YoY

Primarily due to an increase in commitment fees and the volume of personal service charges

Largest Expense Items

Personnel costs$1,010M+40% YoY

Higher salary, benefit, and incentive compensation expense, including acquisition impacts

Outside data processing and other services$326M+79% YoY

Reflecting higher technology and data expense

Amortization of intangibles$54M+391% YoY

Driven by the addition of core deposit intangibles from the Cadence and Veritex acquisitions

Net occupancy$90M+67% YoY

Largely due to increases in lease and depreciation expense

Margins: FTE NIM rose 10bp YoY to 3.21% on lower funding costs, partially offset by lower yields on earning assets. The efficiency ratio worsened to 61.5% from 59.0%, driven mainly by $152M of acquisition-related expenses.

Watch Items from the Filing

NPAs totaled $1.6B, up 71% from year-end, including $295M assumed in the Cadence acquisition plus additional increases in commercial and industrial, commercial real estate, and residential mortgage nonaccruals.
Net charge-offs rose to $119M, or 0.25% of average loans annualized, versus $66M (0.20%) a year ago, reflecting loan growth and higher charge-offs.
Consolidated CET1 ratio fell to 10.0% from 10.4% at year-end, driven by higher risk-weighted assets, the Cadence acquisition, and share repurchases.
Q2 2026 results included $152M of acquisition-related expenses ($116M after-tax), reducing diluted EPS by $0.06, tied to ongoing Cadence/Veritex integration.
Uninsured deposits rose to $69.2B, or 31% of total deposits, up from 30% at December 31, 2025.

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

4.6%

D/E Ratio

Q1 2026

0.72

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.6% YoY

$8.17BFY 2025

FY22 $7.25BFY23 $7.36BFY24 $7.38BFY25 $8.17B

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

Free Cash Flow

+30.8% YoY

$2.21BFY 2025

FY22 $3.81BFY23 $2.52BFY24 $1.69BFY25 $2.21B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$8.17B +10.6%	$7.38B +0.3%	$7.36B +1.5%	$7.25B +21.1%	$5.99B +24.4%	$4.82B
Net Income	$2.21B +14.0%	$1.94B -0.6%	$1.95B -12.8%	$2.24B +72.8%	$1.29B +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
Total Assets	$225.11B +10.2%	$204.23B +7.8%	$189.37B +3.5%	$182.91B +5.1%	$174.06B +41.5%	$123.04B
Total Debt	$18.48B +11.5%	$16.57B +27.3%	$13.01B +11.1%	$11.71B +57.4%	$7.44B -12.8%	$8.54B
Operating Cash Flow	$2.48B +35.2%	$1.84B -30.9%	$2.66B -34.0%	$4.03B +95.3%	$2.06B +55.9%	$1.32B
Free Cash Flow	$2.21B +30.8%	$1.69B -32.7%	$2.52B -34.0%	$3.81B +110.1%	$1.81B +50.7%	$1.20B

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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.
$3.1B176,786,560 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.3B132,307,320 sh
WELLINGTON MANAGEMENT GROUP LLP
$2.2B122,300,772 sh
STATE STREET CORP
$1.7B97,045,959 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.7B94,335,667 sh
PRICE T ROWE ASSOCIATES INC /MD/
$1.3B72,147,488 sh
Invesco Ltd.
$1.3B71,295,123 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.0B58,450,957 sh
Boston Partners
$937.1M52,839,690 sh
FMR LLC
$897.7M50,629,671 sh

Fund	Value	Shares
BlackRock, Inc.	$3.1B	176,786,560
VANGUARD CAPITAL MANAGEMENT LLC	$2.3B	132,307,320
WELLINGTON MANAGEMENT GROUP LLP	$2.2B	122,300,772
STATE STREET CORP	$1.7B	97,045,959
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.7B	94,335,667
PRICE T ROWE ASSOCIATES INC /MD/	$1.3B	72,147,488
Invesco Ltd.	$1.3B	71,295,123
GEODE CAPITAL MANAGEMENT, LLC	$1.0B	58,450,957
Boston Partners	$937.1M	52,839,690
FMR LLC	$897.7M	50,629,671

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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. HBAN is classified as a large company.

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.