Overview
HUNTINGTON BANCSHARES INC /MD/
Latest 10-K: FY2025, filed Feb 13, 2026 · Open the 10-K (Inline XBRL) ↗
- Revenue
- $1.56B
- 6.4%YoYup from FY2024
- TotalRevenue
- Gross profit
- Not reported
- Net income
- $2.21B
- 14.0%YoYup from FY2024
- NetIncome
- Diluted EPS
- $1.39
- 13.9%YoYup from FY2024
- EPSDiluted
- Diluted shares
- 1.50B
- 1.9%YoYup from FY2024
- WeightedAvgSharesDiluted
At a glance
Growth
- HUNTINGTON BANCSHARES INC /MD/ reported revenue of $1.56B for fiscal 2025, up 6.4% from fiscal 2024.
- Revenue grew faster than the median S&P 500 member in 5 of the last 5 fiscal years.
Profitability
- Net margin was 141.5%, against a median of 12.8% across S&P 500 members for the same fiscal year.
Per share
- Diluted EPS was $1.39, up 13.9% from the prior year.
Written from the filed figures on this page by fixed rules — no AI.
Data as of Oct 31, 2026 · Sources: SEC EDGAR 10-K
Financial statements
Annual figures from the 10-K, most recent fiscal year first.
Income Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $1.56B6.4%up Benchmark median 6.4% | $1.47B4.9%up Benchmark median 4.5% | $1.40B6.2%up Benchmark median 4.8% | $1.32B18.4%up Benchmark median 10.3% | $1.11B25.9%up Benchmark median 13.8% | 8.8% Benchmark median 6.6% |
| Gross Profit Median of 315 / 498 | — | — | — | — | — | — Benchmark median 6.2% |
| Operating Income Median of 373 / 498 | — | — | — | — | — | — Benchmark median 7.2% |
| Net Income | $2.21B14.0%up Benchmark median 4.8% | $1.94B0.6%down Benchmark median 5.7% | $1.95B12.8%down Benchmark median 1.9% | $2.24B72.8%up Benchmark median 1.3% | $1.29B58.5%up Benchmark median 33.9% | 14.3% Benchmark median 4.1% |
| EPS (Diluted) | $1.3913.9%up Benchmark median 6.2% | $1.221.6%down Benchmark median 7.9% | $1.2414.5%down Benchmark median 1.9% | $1.4561.1%up Benchmark median 1.5% | $0.9030.4%up Benchmark median 34.8% | 11.5% Benchmark median 5.6% |
Balance Sheet
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Total Assets | $225.11B10.2%up Benchmark median 5.6% | $204.23B7.8%up Benchmark median 3.4% | $189.37B3.5%up Benchmark median 4.1% | $182.91B5.1%up Benchmark median 2.2% | $174.06B41.5%up Benchmark median 6.7% | 6.6% Benchmark median 4.7% |
| Total Liabilities Median of 357 / 498 | $200.73B8.8%up Benchmark median 6.4% | $184.45B8.5%up Benchmark median 1.9% | $169.97B2.9%up Benchmark median 2.9% | $165.14B6.7%up Benchmark median 2.0% | $154.75B40.6%up Benchmark median 5.2% | 6.7% Benchmark median 4.4% |
| Stockholders' Equity | $24.38B23.2%up Benchmark median 6.8% | $19.78B2.0%up Benchmark median 5.4% | $19.40B9.2%up Benchmark median 7.3% | $17.77B8.0%down Benchmark median 2.5% | $19.32B48.7%up Benchmark median 9.0% | 6.0% Benchmark median 6.1% |
| Cash & Equivalents | $1.78B5.8%up Benchmark median 5.2% | $1.69B8.2%up Benchmark median 1.9% | $1.56B13.3%down Benchmark median 6.7% | $1.80B0.8%down Benchmark median -8.6% | $1.81B37.3%up Benchmark median -2.9% | -0.4% Benchmark median 2.0% |
| Total Debt | $18.48B†11.5%up Benchmark median 2.1% | $16.57B†27.3%up Benchmark median 0.2% | $13.01B†11.1%up Benchmark median 0.3% | $11.71B†57.4%up Benchmark median 0.1% | $7.44B†12.8%down Benchmark median -0.1% | 25.5% Benchmark median 4.3% |
† Sum of short-term and long-term debt; the company files no total-debt line.
Cash Flow Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.48B35.2%up Benchmark median 6.3% | $1.84B30.9%down Benchmark median 4.8% | $2.66B34.0%down Benchmark median 9.9% | $4.03B95.3%up Benchmark median -0.7% | $2.06B55.9%up Benchmark median 10.7% | 4.7% Benchmark median 7.0% |
| Capital Expenditures | $267.00M86.7%up Benchmark median 5.4% | $143.00M2.1%up Benchmark median 2.8% | $140.00M34.6%down Benchmark median 11.3% | $214.00M13.4%down Benchmark median 14.0% | $247.00M107.6%up Benchmark median 8.1% | 2.0% Benchmark median 9.0% |
| Free Cash Flow Median of 378 / 498 | $2.21B30.8%up Benchmark median 7.3% | $1.69B32.7%down Benchmark median 6.1% | $2.52B34.0%down Benchmark median 8.8% | $3.81B110.1%up Benchmark median -11.3% | $1.81B50.7%up Benchmark median 10.2% | 5.1% Benchmark median 4.9% |
n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.
Benchmark median = median of the companies in the benchmark universe on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-27. This compares reported figures, not share-price returns. Methodology
Ratios & valuation
FY2025Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.
Valuation · Earnings yield
What a dollar of market value earned
8.0%
Wall Street
on net earnings
FY2024 7.5%
8.5%
Value investor
on free cash flow
FY2024 7.0%
Gap +0.5 pts: Value-investor figure 0.5 points higher
How it’s calculated
Wall Street · on net earnings
Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)
pe_ratio (ratio table)
P/E 12.5×Value investor · on free cash flow
(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)
free cash flow ÷ market cap
Valuation · Book yield
Net assets behind a dollar of market value
93.4%
Wall Street
on book equity
FY2024 82.4%
70.4%
Value investor
on tangible book
FY2024 59.2%
Gap −23.0 pts: Value-investor figure 23.0 points lower
How it’s calculated
Wall Street · on book equity
Book value of equity ÷ market capitalisation (1 ÷ P/B)
pb_ratio (ratio table)
P/B 1.1×Value investor · on tangible book
Tangible book value (equity less goodwill and intangibles) ÷ market capitalisation
tangible_book_value_per_share ÷ (pb_ratio × book_value_per_share)
Quality · Return on capital
Profit earned on the money in the business
10.0%
Wall Street
ROE: net income ÷ equity
FY2024 9.9%
— Not reported
Value investor
ROIC: after-tax operating profit ÷ invested capital
FY2024 — Not reported
How it’s calculated
Wall Street · ROE: net income ÷ equity
Net income ÷ average stockholders' equity (start and end of year), including noncontrolling interests. Buybacks shrink equity and lift it.
return_on_equity (ratio table)
Value investor · ROIC: after-tax operating profit ÷ invested capital
Operating profit after tax ÷ invested capital (total assets − cash − non-interest-bearing current liabilities), so leverage cannot flatter it
roic (ratio table)
Quality · Cash margin
Cash profit kept from each dollar of sales
— Not reported
Wall Street
EBITDA margin
FY2024 — Not reported
141.8%
Value investor
Free-cash-flow margin
FY2024 115.3%
How it’s calculated
Wall Street · EBITDA margin
EBITDA ÷ revenue
ebitda ÷ revenue
Value investor · Free-cash-flow margin
(Operating cash flow − capital expenditures) ÷ revenue: taxes, interest, working capital and capex all paid
free cash flow ÷ revenue
Balance sheet · Debt cover
How many times one year of earnings repays all debt
— Not reported
Wall Street
EBITDA ÷ total debt
FY2024 — Not reported
0.12×
Value investor
FCF ÷ total debt
FY2024 0.10×
How it’s calculated
Wall Street · EBITDA ÷ total debt
EBITDA ÷ total debt (short-term + long-term)
ebitda ÷ total debt
Value investor · FCF ÷ total debt
Free cash flow ÷ total debt: what is actually left to repay it
free cash flow ÷ total debt
Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.
Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.
Smart money
Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.
Peers, filings & research
Research Reports
No published research on HBAN yet.
Reports appear here as analysts publish research on this company — built with Valuein's agentic workflows on data pinned to its SEC filing. Be the first: run equity_research_brief on HBAN and publish the result to your public profile.
Cite this page
Data as of Oct 31, 2026. Canonical address: https://valuein.biz/data/HBAN
Valuein. (2026, October 31). HUNTINGTON BANCSHARES INC /MD/ (HBAN) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/HBAN
@misc{valuein_hban_2026,
author = {{Valuein}},
title = {HUNTINGTON BANCSHARES INC /MD/ (HBAN) financial statements, earnings power and smart-money summary},
year = {2026},
howpublished = {\url{https://valuein.biz/data/HBAN}},
note = {Data as of 2026-10-31; source: SEC EDGAR filings}
}10-K filed Feb 13, 2026 · accession 0000049196-26-000015
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