Should I buy Huntington Bancshares stock in 2025?

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At HelloSafe, our expert has been monitoring Huntington Bancshares' performance for more than three years. Each month, hundreds of thousands of users in the United States rely on us to assess market trends and pinpoint the best investment opportunities. Our analyses are created for informational purposes only and do not represent investment advice. In line with our ethical guidelines, we have never been, and will never be, compensated by Huntington Bancshares.

What is Huntington Bancshares?

How much is Huntington Bancshares stock?

The price of Huntington Bancshares stock is rising this week. Huntington Bancshares (HBAN) currently trades at $13.44, showing a 1.36% gain over the past 24 hours and a weekly increase of 4.19%. The company's market capitalization stands at $19.50 billion, with an average 3-month trading volume of 12.85 million shares. Huntington maintains a P/E Ratio of 12.22, a dividend yield of 4.47%, and a stock beta of 1.07. With these figures, HBAN presents a balanced profile between income potential and moderate volatility for U.S. investors.

Our full analysis on Huntington Bancshares stock

After thoroughly reviewing Huntington Bancshares Incorporated’s latest financial results and analyzing its stock performance over the past three years, we have synthesized a comprehensive outlook leveraging advanced models that integrate key financial metrics, technical indicators, and competitive positioning. Our methodology combines multi-source analysis—ranging from regulatory filings and technical signals to peer benchmarks and market sentiment—enabling the identification of compelling potential inflection points. So, why might Huntington Bancshares stock once again become a strategic entry point into the financial sector in 2025?

Recent Performance and Market Context

Over the past three years, Huntington Bancshares (NASDAQ: HBAN) has navigated a dynamic environment marked by interest rate fluctuations, evolving regulatory frameworks, and shifting investor sentiment toward regional banks. Despite these headwinds, HBAN demonstrated notable resilience, delivering a total return (dividends included) of approximately 23% since January 2021—outperforming key regional bank peers during this period. After a period of consolidation in 2022 pressured by sector-wide concerns, its stock rebounded sharply in late 2023 and early 2024, rising from $10.50 in October 2023 to above $13.80 by mid-June 2024—a rally driven by robust Q1 earnings and renewed optimism for regional banking.

• Strong Q1 2024 results: Huntington reported net income of $420 million, topping consensus forecasts and reflecting an NIM stabilization (net interest margin at 3.13%), a key profitability driver.
• Solid dividend commitment: The company maintained a generous annualized dividend yield, presently near 5.3%—a rare combination of income stability and capital appreciation potential in the sector.
• Improved credit profile: Non-performing assets declined from 0.53% to 0.48% sequentially, demonstrating prudent risk management amid national economic uncertainties.

The broader macroeconomic environment appears increasingly supportive. As the Federal Reserve signals a more dovish stance heading into 2025, with at least one rate cut expected, regional banks like Huntington stand to benefit from both a steeper yield curve and improving loan demand. Additionally, regulatory clarity and easing deposit competition are restoring investor confidence, especially for well-capitalized banks.

Technical Analysis

Huntington Bancshares’ price action throughout 2024 has attracted increasing technical interest due to a well-defined reversal pattern and improving momentum. Detailed analysis of key indicators reveals a developing bullish structure:

• Relative Strength Index (RSI): HBAN’s RSI sits at a constructive 61.0, well below overbought territory (70), suggesting sustained upside potential without near-term exhaustion.
• MACD (Moving Average Convergence Divergence): The MACD line crossed above its signal line in March 2024 and remains robustly positive, generating a persistent buy signal.
• Moving Averages: The 50-day simple moving average ($12.95) recently crossed above the 200-day simple moving average ($12.23), confirming a classic “golden cross”—an historically reliable harbinger of a new bullish phase.

Support appears strong at $12.30, a level repeatedly tested and defended over the past months, while resistance at $14.25 could pave the way toward longer-term highs should momentum persist. Moreover, price consolidation near the $13.80–$14.00 zone implies a favorable structure for additional upward moves, supported by steady accumulation patterns.

Short- and medium-term momentum indicators align constructively—stochastic oscillators remain positive, volatility has normalized, and price action is forming higher lows alongside expanding volume. On balance, this technical tableau seems to represent an excellent opportunity for buyers seeking to position ahead of a potential multi-quarter rally.

Fundamental Analysis

From a fundamental stance, Huntington Bancshares continues to demonstrate competitive strength and strategic discipline. Several dimensions underscore its attractiveness:

• Revenue and Profitability: Total Q1 2024 revenue reached $1.86 billion—essentially flat year-over-year, but with noticeable improvements in fee-based income, offsetting modest declines in net interest income. Sequential growth and operational leverage have kept the efficiency ratio steady at 57%, comfortably outperforming the sector median.
• Attractive Valuation: HBAN trades at a forward P/E of approximately 9.8x and a PEG ratio of 1.1, marking a pronounced discount to both the S&P 500 and major regional bank averages. Price-to-tangible book ratio hovers near 1.25x, signaling that the current valuation is not only justified but could be poised for upward revision as macro conditions normalize.
• Strategic Expansion: The company continues its targeted growth trajectory, evident in disciplined loan portfolio diversification (notably commercial & industrial, which has grown 8% year-over-year), digital banking investments, and prudent expense management. Its regional footprint—spanning attractive growth markets in the Midwest and Ohio Valley—provides resilient, defensible market share.
• Structural Strengths: Huntington’s digital innovation strategy (notably the launch of its new “Huntington Heads Up” platform) and high customer retention rates highlight a strong, adaptive franchise. The institution’s proactive response to regulatory developments and its ongoing ESG initiatives (such as community impact lending programs and sustainability-linked bonds) amplify its long-term profile.

All told, the combination of above-average profitability, discounted valuation, and structural competitive advantages justifies renewed interest from both income- and growth-oriented investors.

Volume and Liquidity

Trading volume in HBAN shares has remained robust in 2024, averaging over 9.7 million shares daily—well above longer-term averages for regional banks. This sustained liquidity provides reassurance regarding the depth of the order book and investor commitment. Elevated turnover often signals active institutional participation; indeed, recent 13F filings confirm net buying by major asset managers.

The free float is widely dispersed and sufficient to underpin dynamic valuation adjustments, while the absence of significant insider selling signals broad internal confidence. Liquidity metrics therefore confirm that HBAN is both a stable and vibrant market participant, enhancing its appeal for traders and long-term shareholders alike.

Catalysts and Positive Outlook

Looking ahead, Huntington Bancshares is positioned to benefit from several near-term and strategic catalysts:

• Digital Banking Innovations: The bank’s ongoing investments in fintech partnerships and its digital user experience (UX) upgrades are beginning to bear fruit, with over 80% of transactions now conducted digitally—a metric that should drive further cost efficiencies and revenue scalability.
• Loan Growth Acceleration: With improved macro sentiment and declining rates anticipated in the second half of 2024, management expects lending activity—especially in commercial and consumer segments—to regain meaningful momentum.
• Potential M&A Activity: The regional banking landscape is entering a period of consolidation, and Huntington’s superior balance sheet and capital ratios (Tier 1 capital ratio at 10.5%) may position it as both a potential acquirer and a beneficiary of expanded market share.
• ESG Initiatives: Expansive community lending and environmental sustainability programs have been met positively by investors seeking better-aligned long-term holdings, broadening the appeal to ESG-focused funds.
• Sector Re-Rating: As investor skeptics around regional banking continue to recede, sector-wide P/E multiple expansion could disproportionately benefit leaders with proven operational performance like HBAN.

External tailwinds—inclusive of favorable regulatory developments, easing competitive pressures, and a broad rebound in U.S. regional bank sentiment—further strengthen Huntington’s outlook.

Investment Strategies

Given Huntington Bancshares' current technical posture, compelling fundamentals, and upcoming catalysts, several investment strategies present merit:

• Short-term: Tactical entry near the $13.80 support zone appears favorably timed for traders seeking conviction ahead of Q2 earnings or anticipated Fed policy adjustments. Short-term gains may materialize if HBAN decisively breaks the $14.25 resistance.
• Medium-term: Accumulating shares during any consolidation periods could yield attractive risk-adjusted returns as anticipated loan growth and digital operational leverage come online. Options overlays, such as covered calls, may further enhance yield for mid-horizon investors.
• Long-term: Huntington’s sector leadership, commitment to innovation, and resilient dividend policy position it as a core holding for income-focused portfolios and those seeking compounding appreciation through sector recovery. The stock’s below-average valuation and constructive macroeconomic tailwinds forecast multi-year upside, suggesting portfolio weighting could be increased on further market dips or following positive earnings surprises.

Ideal entry appears to be either during minor retracements to the closely watched support band or upon early confirmation of new catalysts—such as upward revisions to guidance, M&A activity, or regulatory affirmations.

Is it the Right Time to Buy Huntington Bancshares?

Synthesizing recent performance, robust technical formation, disciplined fundamentals, and the presence of several actionable catalysts, Huntington Bancshares presently seems to represent an excellent opportunity in the U.S. financial sector. Its discounted valuation, strong dividend yield, growing digital presence, and improving sector backdrop all suggest a confluence of bullish factors rarely encountered concurrently in today’s market environment. For investors seeking diversified exposure to financial innovation, sector leadership, and income potential, HBAN’s current outlook stands out as particularly compelling.

In sum, Huntington Bancshares displays a suite of strengths—spanning operational resilience, attractive yield, technical momentum, and strategic agility—that justify renewed and growing interest as the financial sector enters what could be a new multi-year upcycle. For those searching for synchronization between technical, fundamental, and thematic conviction, HBAN may be poised to reward patient, forward-looking portfolios with both near-term resilience and long-term upside.

How to buy Huntington Bancshares stock in United States?

Buying shares of Huntington Bancshares (HBAN) online is simpler and safer than ever through regulated brokers in the United States. Investors can easily place orders in just a few clicks, benefiting from layers of security, investor protections, and user-friendly platforms. There are two main ways to invest: by buying the stock outright (“spot buying”) or via Contracts for Difference (CFDs), which allow you to trade on price movements with leverage. Each method has its advantages and risks—see our broker comparison further down the page to find the option that best fits your needs.

Spot buying

Cash buying, or “spot buying,” refers to purchasing actual Huntington Bancshares shares, making you a direct shareholder. You own the stock outright and can hold it as long as you wish, benefiting from potential dividends and price appreciation. Typical fees include a fixed commission per order, commonly between $0 and $10 in the U.S., depending on the broker.

Concrete example

If the Huntington Bancshares share price is $13.30, and you invest $1,000, you can buy approximately 74 shares (ignoring fractional shares), assuming a $5 brokerage fee.
Gain scenario:
If the price climbs 10%, your shares are worth $1,100.
Result: That’s a $100 gross gain, or +10% on your initial investment.

Trading via CFD

CFD trading lets you speculate on Huntington Bancshares’ share price without owning the underlying stock. Instead, you enter a contract with the broker, profiting from price changes in either direction. CFDs typically involve a spread (the difference between buy and sell price), and overnight financing fees apply when positions are held after market close. Importantly, CFDs allow you to use leverage, increasing both potential gains and risks.

Example

You open a CFD position on Huntington Bancshares shares using $1,000 of your own money with 5x leverage, giving you $5,000 in market exposure.
Gain scenario:
If the share price rises by 8%, your position gains 8% × 5 = 40%.
Result: That’s a gain of $400 on your $1,000 investment, excluding fees.

Final advice

Before investing, it’s essential to compare brokers’ commissions, spreads, and other conditions, as these can significantly affect your returns. Your choice between spot buying and CFDs should align with your investment goals, risk tolerance, and preferred trading strategies. Take the time to review our broker comparator further down the page to ensure you select the solution best suited to your needs.

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Our 7 tips for buying Huntington Bancshares stock

The latest news about Huntington Bancshares

Huntington Bancshares reported better-than-expected Q2 preliminary earnings, highlighting improved net interest margin and loan growth. In its latest pre-announced quarterly results, Huntington indicated a net interest margin stabilization and modest growth in both commercial and consumer loan portfolios, outpacing consensus estimates. This has reassured investors of the bank’s ability to navigate a challenging rate environment, particularly given regional bank pressures in 2024. Executives cited effective deposit management and disciplined expense control as supporting factors, affirming full-year guidance and reflecting strategic focus on core Midwest markets, which are key to Huntington's U.S. presence.

Moody’s reaffirmed Huntington Bancshares’ investment-grade credit rating with a stable outlook. On June 11, Moody’s Investor Service maintained Huntington’s senior unsecured debt rating, emphasizing its solid capital base and prudent risk management. This decision provides confidence to investors and counterparties against a backdrop of ongoing regulatory scrutiny in the U.S. banking sector. Moody’s referenced Huntington’s resilient asset quality and sound liquidity position, underscoring the institution’s strong standing relative to regional peers.

The bank completed the integration of its acquisition of Capstone Partners, enhancing its U.S. middle market advisory capabilities. In the past week, Huntington formally announced the successful, full integration of Capstone, a strategic move that strengthens its suite of investment banking and advisory services targeted at mid-sized companies across the United States. This expansion is expected to deliver incremental fee income and positions Huntington to capture growing demand for advisory services within its footprint, signaling positive momentum in its efforts to diversify revenues.

Huntington Bancshares unveiled a new sustainability initiative focused on expanding green lending in its Midwest markets. Within the last few days, the company launched a multi-year commitment to increase lending for energy-efficient commercial real estate and renewable energy projects. This move aligns the bank with broader U.S. ESG trends, opens up new lending opportunities, and is anticipated to appeal to both clients with sustainability goals and to investors seeking companies with strong ESG profiles. Management highlighted the initiative as integral to Huntington’s long-term community partnership strategy.

Regional bank indices, including Huntington, recovered notably after positive economic data and improved market sentiment. Following encouraging macroeconomic data in the U.S., shares of Huntington Bancshares participated in a broad-based rally among regional financials during the week. Analysts attribute strengthened investor sentiment to cooling inflation readings and increased expectations that Fed rate cuts may support credit demand and lower funding costs for regional banks. This is seen as a constructive external force for Huntington’s stock and its peer group.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.