HBAN Stock: Insider Activity, Filings & Research

Huntington Bancshares Incorporated (HBAN) — Drillr’s hub for HBAN insider activity, SEC filings, earnings signals and AI research. Over the trailing 3 months, HBAN insiders filed 11 open-market buys and 2 sales (SEC Form 4).

Sentiment

52/100

Buys (3m)

Sells (3m)

Net (3m)

-$11.3K

Insiders buyingCluster buying

Insider trades by month Buys Sells

Jan

Feb

Mar

Apr

Jun

Context3-month price -5.3%Institutions accumulating (13F)

Date	Insider	Type	Shares	Price
Jun 4, 2026	ROLLINS JAMES D IIIdirector	Buy	4,798	$20.30
Jun 4, 2026	ROLLINS JAMES D IIIdirector	Buy	11,127	$16.50
Jun 4, 2026	ROLLINS JAMES D IIIdirector	Buy	5,202	$20.35
Jun 4, 2026	ROLLINS JAMES D IIIdirector	Buy	873	$16.46
May 8, 2026	Pohmer Sarah Eofficer: SEVP-CHRO	Tax	19,913	$16.64
May 5, 2026	Diaz-Granados Rafaeldirector	Grant	10,523	—
May 5, 2026	Rodriguez Alice Ldirector	Grant	9,320	—
May 5, 2026	Phelan Kenneth Jdirector	Grant	10,523	—
May 5, 2026	Hepner Virginia Adirector	Grant	9,320	—
May 5, 2026	Shea Teresa Hdirector	Grant	9,320	—
May 5, 2026	Inglis John Cdirector	Grant	10,523	—
May 5, 2026	Sit Roger Jdirector	Grant	9,320	—
May 5, 2026	NEU RICHARD Wdirector	Grant	10,523	—
May 5, 2026	PORTEOUS DAVID Ldirector	Grant	10,523	—
May 5, 2026	CRANE ANN Bdirector	Grant	9,320	—

Source: HBAN SEC Form 4 filings, latest Jun 4, 2026. For informational purposes only — not investment advice.

Overview

Huntington Bancshares Incorporated (NASDAQ:HBAN) is a regional bank holding company founded in 1866 and headquartered in Columbus, Ohio. The company operates through its primary subsidiary, The Huntington National Bank, providing commercial and consumer banking services across 11 states in the Midwest and Southeast. With approximately 1,000 branches, Huntington has grown through both organic expansion and strategic acquisitions, including the significant TCF Financial Corporation merger completed in 2021. The bank has been publicly traded since 1980 and represents one of the larger regional banking institutions in the United States.

Business

Huntington Bancshares operates as a traditional regional bank providing comprehensive financial services through four main business segments. Banking is fundamentally about taking deposits from customers and lending that money to other customers at higher interest rates, while also providing various fee-based financial services. The Consumer and Business Banking segment serves individual consumers and small businesses, offering basic banking products like checking and savings accounts, certificates of deposit, credit cards, and personal loans. This segment also provides mortgages, insurance products, and digital banking services through online and mobile platforms. This represents the bank's retail banking foundation. The Commercial Banking segment focuses on middle-market businesses, government entities, and commercial real estate developers. It provides business loans, lines of credit, treasury management services (helping businesses manage their cash flow), and specialized lending for industries like healthcare, technology, and franchise businesses. This segment also offers investment banking services including capital raising and trading services. The Vehicle Finance segment specializes in auto lending, providing loans to consumers purchasing cars, trucks, recreational vehicles, and boats through dealership networks. The bank also finances dealership inventory, helping car dealers stock their lots with vehicles. The Regional Banking and Huntington Private Client Group (RBHPCG) segment serves high-net-worth individuals and families with private banking, wealth management, investment advisory services, and retirement planning. This caters to affluent customers requiring more sophisticated financial services. Based on recent financial performance, Commercial Banking appears to generate the largest portion of revenue, followed by Consumer and Business Banking, with Vehicle Finance and RBHPCG representing smaller but growing segments.

Revenue model

Huntington makes money through two primary revenue streams: net interest income and fee-based income. Net interest income, which represents the majority of revenue, comes from the spread between what the bank pays depositors for their money and what it charges borrowers for loans. For example, if Huntington pays 2% on savings accounts but charges 6% on business loans, the 4% difference generates profit. The bank's customers include individual consumers, small businesses, middle-market commercial enterprises, government entities, and high-net-worth individuals. Depositors essentially lend money to the bank at low rates, while borrowers pay higher rates for loans, creating the fundamental banking profit margin. Fee-based income comes from various services including payment processing, wealth management advisory fees, capital markets services, treasury management for businesses, and transaction fees. Recent earnings show strong growth in these areas, with payments revenue growing 6-8%, wealth management fees increasing 15%, and capital markets revenue surging 20-74% year-over-year. Several factors influence Huntington's profitability margins. Interest rate environments significantly impact net interest margins - rising rates generally help banks earn more on loans faster than they pay more on deposits, though this relationship can reverse during rate cuts. Credit quality affects margins through loan loss provisions - economic downturns increase defaults, requiring higher reserves. Competition from other banks and non-bank lenders can compress loan spreads and force higher deposit rates. Regulatory requirements mandate minimum capital levels and influence lending practices. Economic conditions affect loan demand and deposit flows, while deposit mix matters since non-interest-bearing accounts are more profitable than interest-bearing ones. The bank's expansion into new geographic markets like the Carolinas and Texas also influences growth potential and competitive dynamics.

Competitive moat

Huntington's competitive moat is moderate and primarily stems from its regional market presence and customer relationships rather than unique technological advantages or insurmountable barriers. The bank benefits from established branch networks in its core Midwest markets, which create switching costs for customers who value physical locations and personal relationships with bankers. Local market knowledge and community ties provide advantages in commercial lending, where relationship banking remains important. However, this moat faces significant challenges. The banking industry is highly commoditized, with limited product differentiation between institutions. Digital disruption from fintech companies and online banks threatens traditional branch-based models, particularly for younger customers who prioritize convenience over physical presence. Large national banks like JPMorgan Chase and Bank of America possess superior technology resources, broader product offerings, and economies of scale that regional banks struggle to match. Regulatory barriers do provide some protection by making it expensive and time-consuming for new entrants to obtain banking licenses, but this doesn't prevent existing competitors from expanding into Huntington's markets. The bank's recent expansion into the Carolinas and Texas demonstrates how geographic boundaries are permeable. Credit unions and community banks often compete aggressively on pricing, while money market funds and online savings platforms can attract deposits with higher rates. The rise of embedded finance, where non-financial companies offer banking services through partnerships, further threatens traditional banking relationships. Huntington's strongest defensive position lies in its commercial banking relationships, where switching costs are higher due to complex treasury management services and established credit facilities. However, even these relationships face pressure from alternative lenders and direct capital market access for larger businesses.

Risks & safety

Huntington demonstrates solid financial stability with manageable risks, though typical banking sector vulnerabilities remain. • Liquidity and Solvency: Strong cash position with $15.9 billion in cash and short-term investments as of Q1 2025. Total assets of $209.6 billion against liabilities of $189.1 billion provide reasonable cushion. However, like all banks, the current ratio of 0.16 appears low due to banking industry structure where deposits (liabilities) far exceed liquid assets. • Capital Adequacy: Common Equity Tier 1 (CET1) ratio of 10.5% exceeds regulatory minimums and management's target range of 9-10%. Debt-to-equity ratio of 0.92 is typical for banking industry standards. • Credit Quality: Net charge-offs at 30 basis points remain well-controlled. Allowance for credit losses at 1.95% of loans provides reasonable buffer. Criticized asset ratio improved to 3.76%. • Valuation Metrics: Trading at P/E ratio of 10.4x and price-to-book of 1.07x, suggesting reasonable valuation relative to book value and earnings. • Profitability: Return on equity of 2.6% appears low but reflects quarterly annualized figure. Full-year 2024 ROE of 9.8% is more representative of normalized performance. • Interest Rate Risk: Exposure to rate cycle changes affects net interest margins, though management projects ability to handle 0-3 rate cuts while maintaining growth.

Recent development

Over the past few years, Huntington has pursued an organic growth strategy focused on geographic expansion and business line diversification rather than major acquisitions. The bank has significantly expanded into new markets, particularly the Carolinas and Texas, establishing new branches and hiring experienced banking teams to build market presence. This expansion strategy has contributed meaningfully to loan and deposit growth, with new market initiatives generating approximately 40-50% of recent loan growth. The bank has also invested heavily in specialty commercial verticals, adding 1-2 new industry-focused lending teams annually. These specialized groups target sectors like healthcare, technology, telecommunications, franchise finance, and equipment finance, allowing Huntington to compete more effectively against larger banks by developing deep industry expertise. A significant strategic move involved bringing merchant acquiring capabilities in-house, previously outsourced to third parties. This initiative is expected to generate approximately $50 million in annual revenue and add about 1 percentage point to fee revenue growth, demonstrating the bank's focus on building fee income streams. Huntington has emphasized digital transformation and operational efficiency, completing the integration of the TCF acquisition and implementing cost synergies. The bank has invested in data analytics, risk management systems, and automated processes to improve efficiency and customer experience. The institution has maintained a disciplined credit approach throughout various economic cycles, focusing on moderate-to-low risk lending while building diversified loan portfolios. Recent quarters show strong performance in capital markets services, with revenue growing 20-74% year-over-year, indicating successful expansion of investment banking capabilities. Management has consistently focused on achieving positive operating leverage - growing revenues faster than expenses - while investing in revenue-producing initiatives that support long-term growth rather than pursuing aggressive cost-cutting measures.

HBAN company profile · for informational purposes only — not investment advice.

Track HBAN with Drillr

SEC filings, earnings calls, insider activity, alt-data signals — all queryable through Drillr's AI terminal and MCP API.

Try Drillr for free