Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
Huntington Bancshares (HBAN) delivered strong FY2025 results with net income rising 14.0% to $2.21B, operating cash flow surging 35.2% to $2.48B, and total assets expanding 10.2% to $225.1B, reflecting solid balance sheet growth and improved profitability.
Revenue
$1.56B
+6.40% YoY
EPS (Diluted)
$1.39
+13.93% YoY
Source: SEC XBRL
Huntington Bancshares (HBAN) reported FY2025 revenue of $1.56B, up 6.4% year over year. Operating cash flow was $2.48B, up 35.2% year over year.
Last 4 quarters: 3 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 0.39 | 0.38 | Beat +3.9% |
| Mar 2026 | 0.37 | 0.33 | Beat +13.3% |
| Dec 2025This filing | 0.37 | 0.37 | Miss -0.7% |
| Sep 2025 | 0.41 | 0.38 | Beat +7.4% |
Reported EPS of $0.37 versus the $0.37 analyst consensus — a -0.7% miss for Dec 2025.
Compiled by AI from this SEC filing
Total revenue grew 6.4% year-over-year to $1.56B in FY2025, reflecting continued expansion in net interest income and fee-based revenues as the bank benefited from its diversified business mix and loan/deposit growth.
Source: 10-K Income Statement (XBRL Financial Data)
Net income increased 14.0% to $2.21B, with diluted EPS rising 13.9% to $1.39, outpacing revenue growth and suggesting meaningful operating leverage and improved efficiency across the franchise.
Source: 10-K Income Statement (XBRL Financial Data)
Total assets grew 10.2% to $225.1B, supported by a 23.3% surge in stockholders' equity to $24.3B, indicating strong capital accumulation and potentially reflecting retained earnings growth and/or capital markets activity.
Source: 10-K Balance Sheet (XBRL Financial Data)
Operating cash flow jumped 35.2% to $2.48B, well above net income, signaling high-quality earnings and strong cash generation capacity that supports dividends, share repurchases, and future investment.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Investing cash outflows narrowed significantly from -$12.12B to -$6.35B (a 47.6% improvement), suggesting the bank moderated its securities portfolio or loan growth investments compared to the prior year's aggressive expansion.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
Compiled by AI from this SEC filing · 2 high, 3 medium, 0 low
HBAN's debt-to-equity ratio stands at approximately 8.25x, which is characteristic of large bank holding companies but reflects significant financial leverage. Any deterioration in asset quality or unexpected credit losses could disproportionately impact equity and capital ratios, potentially triggering regulatory scrutiny.
Source: 10-K Balance Sheet (XBRL Financial Data)
As a regional bank with $225.1B in total assets, HBAN's net interest margin is highly sensitive to changes in the Federal Reserve's interest rate policy. A rapid decline in rates could compress net interest income, which is the primary revenue driver for the bank.
Source: 10-K Income Statement & Balance Sheet (XBRL Financial Data)
With total assets growing 10.2% and significant balance sheet expansion, HBAN carries elevated exposure to potential credit deterioration if economic conditions weaken. Rising loan balances increase the risk of higher provision for credit losses, which would directly reduce net income.
Source: 10-K Balance Sheet (XBRL Financial Data)
Financing cash flows dropped sharply from $13.0B to $4.5B (-65.3%), which may indicate reduced reliance on wholesale funding or deposit inflows. If this trend reverses unfavorably, the bank may face higher funding costs or liquidity pressures.
Source: 10-K Cash Flow Statement (XBRL Financial Data)
As a large regional bank subject to enhanced prudential standards, HBAN must maintain adequate capital ratios under Basel III/IV frameworks. Failure to meet regulatory capital requirements could restrict dividend payments, share buybacks, and growth initiatives.
Source: 10-K Balance Sheet (XBRL Financial Data)
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 1.56 $B | 1.47 $B | +6.40% |
Net Income $B | 2.21 $B | 1.94 $B | +13.97% |
EPS (Basic) $ | 1.41 $ | 1.24 $ | +13.71% |
EPS (Diluted) $ | 1.39 $ | 1.22 $ | +13.93% |
Answers draw on this SEC filing and the data on this page
No financial data or filing text was provided for HBAN's 2026-Q2 10-Q, so no substantive analysis of results or performance can be generated for this period.
Huntington Bancshares (HBAN) reported Q1 FY2026 results showing strong revenue growth of 34.5% YoY to $472M, while net income slipped slightly to $523M and EPS declined 23.5% to $0.26, reflecting the impact of a significantly expanded balance sheet following what appears to be a major acquisition.
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