NASDAQ · STOCK
Huntington Bancshares
$17.02
52W $14.89 – $19.46
59/100
$34.54B
12.5
0.95
Is HBAN Bullish or Bearish?
Bullish.
Innellis AI committee rates Huntington Bancshares (HBAN) Buy with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.39 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.61 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
Some positive signals exist — p/e of 14.4 is inexpensive for the broad market — but they are not yet strong enough to justify a Buy. The committee is monitoring for confirmation.
Bull & Bear Case
Bull Case
- P/E of 14.4 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Dividend yield of 3.6% pays you to wait — Value
- Revenue growing 59.0% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- EPS declining -2.9% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 52%
of 141 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.4 is inexpensive for the broad market
Growth Analyst
bullish
63
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 59.0% YoY -- genuine top-line momentum
− EPS declining -2.9% YoY despite any revenue growth
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 58.2 to 58.6.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 50% to 67%.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: stance bearish->neutral; score 38->48 (+10).
- Value Analyst: +2 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
36.2
Neutral
MACD Histogram
-0.166
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$16.82
Resistance
$17.34
Bollinger %B
0.14
Inside Bands
Price vs Moving Averages
EMA 9
$17.32
Below
EMA 21
$17.50
Below
EMA 50
$17.28
Below
EMA 200
$16.81
Above
Fundamental Analysis
Valuation
100
Growth
69
Profitability
0
Financial Health
96
Cash Flow
37
Valuation
P/E Ratio
12.5×
P/B Ratio
1.02×
PEG Ratio
—
Dividend Yield
0.04%
52W High
$19.46
52W Low
$14.89
Quality & Growth
ROE
9.1%
ROA
1.0%
Gross Margin
63.7%
Operating Margin
20.4%
Revenue Growth YoY
—
Debt / Equity
0.67
AI Fundamental Assessment
P/E ratio of 12.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of -564274541547009.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 12.39 (healthy short-term liquidity); Debt-to-equity of 0.67; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (1.52); Most recent quarter beat estimates by 3.9%; 2 consecutive earnings beats; EPS growth accelerating (+0.0% -> +5.4% QoQ); Average YoY EPS growth of 14.7%; Analyst estimates flat over recent quarters
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