A Look At Huntington Bancshares (HBAN) Valuation After Wealth Management Transfer And Governance Refresh

Huntington Bancshares (HBAN) has drawn fresh attention after moving its US$28.0b wealth management business to Ameriprise and refreshing its board, alongside recent Q4 2025 earnings momentum and supportive analyst commentary.

See our latest analysis for Huntington Bancshares.

Those moves come after a period where sentiment around Huntington Bancshares has been improving, with the latest share price at US$17.89, a 90 day share price return of 16.78% and a 5 year total shareholder return of 37.68%. This suggests momentum has been building around the business refresh, guidance for 2027 and recent institutional interest.

If Huntington's recent shifts have you thinking about where banks and financials fit in your portfolio, it can help to widen the lens and look at businesses led by strong founders through our 22 top founder-led companies.

With Huntington shares up 16.78% over 90 days yet still trading below the average analyst price target and an indicated intrinsic value gap, the key question is whether you are seeing leftover upside or a market that has already priced in future growth.

Most Popular Narrative: 77% Overvalued

Compared with Huntington Bancshares' last close at $17.89, the most followed narrative fair value of $10.11 paints a very different picture of where the stock currently sits.

Huntington Bancshares (HBAN) is currently trading around $14.56, with analysts offering a consensus 12-month price target of $15.59, suggesting a potential upside of around 7%. The stock has been rated as a "Moderate Buy" by most analysts, with 12 out of 19 giving it a "Buy" or "Strong Buy" recommendation. The price targets range from a low of $13.50 to a high of $18.00, which implies a wide range of possible outcomes depending on market conditions. The stock has gained about 14.5% year-to-date, reflecting steady performance. While it may not be deeply undervalued, analysts believe it still has room for growth. That said, the company's price-to-earnings ratio of around 10.4 and forward earnings growth could make it attractive to value investors​

Read the complete narrative.

Want to see what is behind a fair value far below today’s price? The narrative leans heavily on earnings power, profit margins and a forward earnings multiple that does a lot of heavy lifting. Curious how those moving parts combine into that $10.11 figure and a 77% overvaluation call? The full narrative lays out every assumption in plain sight.

Result: Fair Value of $10.11 (OVERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, shifts in credit quality or weaker loan demand, as well as any change in analyst expectations, could quickly challenge the idea that HBAN is 77% overvalued.

Find out about the key risks to this Huntington Bancshares narrative.

Another Angle on Value

That 77% overvaluation call sits uncomfortably next to our DCF work, which puts Huntington’s fair value at $36.76 per share, or about 51.3% above the current $17.89 price. When two methods point in opposite directions like this, which story do you think fits your expectations better?

Look into how the SWS DCF model arrives at its fair value.

Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Huntington Bancshares for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 53 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.

Next Steps

If the split views in this article leave you on the fence, now is a good time to check the underlying data yourself and weigh both sides. The story includes both risks and potential upsides, so it is worth reviewing 4 key rewards and 2 important warning signs before you decide what HBAN really looks like in your portfolio.

Looking for more investment ideas?

If HBAN has you thinking harder about where you put your next dollar, do not stop here, the wider market is full of alternatives worth your attention.

• Prioritise resilience by checking companies in our 80 resilient stocks with low risk scores that aim to balance return potential with steadier risk profiles.
• Hunt for pricing gaps by scanning the 53 high quality undervalued stocks, where you can spot businesses that screen as high quality yet are priced below their estimated worth.
• Target income potential by reviewing our 13 dividend fortresses, focused on companies offering 5%+ yields that might appeal if you want cash flow from your holdings.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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