With a market cap of $25.6 billion, Huntington Bancshares Incorporated (HBAN) is a leading regional bank holding company for The Huntington National Bank. It provides a wide range of financial services to consumer, business, and institutional clients, including banking, lending, mortgage, investment, insurance, and wealth management solutions. 

Companies valued at $10 billion or more are generally considered “large-cap” stocks, and Huntington Bancshares fits this criterion perfectly. With a strong digital presence and extensive branch network, Huntington delivers innovative financial products and services tailored to both individual and commercial needs.

Despite this, shares of the Columbus, Ohio-based company have declined 3.9% from its 52-week high of $18.44. HBAN stock has increased 12.8% over the past three months, underperforming the Nasdaq Composite’s ($NASX) 15.1% return over the same time frame. 

In the longer term, HBAN stock is up 9% on a YTD basis, lagging behind NASX’s 16.5% gain. Moreover, shares of the regional bank holding company have soared 21.8% over the past 52 weeks, compared to NASX’s over 28% surge over the same time frame. 

The stock has been trading above its 50-day and 200-day moving averages since May.

Despite reporting Q2 2025 adjusted EPS of $0.38 that matched the consensus estimate and better-than-expected revenue of over $2 billion, HBAN shares fell 1.6% on Jul. 18 due to rising non-interest expenses, which increased 7% year-over-year. Non-interest income also declined 4%, and credit quality showed mixed results, with a 3% rise in credit loss provisions and a 9.2% increase in non-performing assets. Additionally, a $58 million hit from securities repositioning reduced pre-tax earnings and impacted EPS, raising investor concerns.

In contrast, rival Regions Financial Corporation (RF) has outpaced HBAN stock on a YTD basis, rising 15.8%. However, over the past 52 weeks, RF has returned 19.9%, trailing the performance of HBAN stock.

Despite the stock’s underperformance, analysts remain moderately optimistic on HBAN. The stock has a consensus rating of “Moderate Buy” from the 22 analysts in coverage, and the mean price target of $19.38 is a premium of 8.9% to current levels.