Keuangan Huntington Bancshares Incorporated (HBAN)
NASDAQ · Financial Services · Banks - Regional · Karyawan: 25.898 · CEO: Stephen D. Steinour
- Harga
- $15,78 -1,19%
- Kapitalisasi pasar
- $31,8 M
- Nilai perusahaan
- $52,8 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-27
- Laporan berikutnya
- 2027-01-28
Pendapatan (TTM)$15,3 M+24,3% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)20,0%-2,1 poin vs tahun laluLaba operasional: $3,06 M
Laba bersih (TTM)$2,49 M+12,1% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$3,05 M+1,1% vs tahun laluCapex: $208 jt
EPS dilusian (TTM)$1,26-11,9% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$13,6 M+413,6% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $31,8 M EV $52,8 M
- Pendapatan
- $15,3 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 16,3% Laba bersih / pendapatan, TTM
- P/E
- 12,2×
- P/S
- 2,1× Harga / penjualan, TTM
- EV / EBITDA
- 14,5× TTM
- Arus kas bebas
- $3,05 M 12 bulan terakhir
- Laba bersih
- $2,49 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-28
- Dividen
- $0,62 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan menguat: 27,4% yoyPendapatan Q3 '26: $4,11 M, rata-rata empat kuartal sebelumnya: 18,7%.
- Margin operasional 20,0% (TTM), dibanding tahun lalu: -2,1 poinLaba operasional tumbuh 12,4%, pendapatan tumbuh 24,3%.
- Capex: 1,4% dari pendapatan (tahun lalu 0,2%)$208 jt diinvestasikan dalam 4 kuartal terakhir (+670,4% dibanding tahun sebelumnya). Arus kas bebas: $3,05 M = 122,3% dari laba bersih.
- $1,51 M dikembalikan ke pemegang saham = 49,7% dari arus kas bebasBuyback: $409 jt (tahun lalu $410 jt), dividen: $1,11 M, kompensasi saham: $148 jt (TTM).
- Jumlah saham dilusian naik dalam setahun: 37,8%Saham dilusian pada Q3 '26: 2,05 M, setahun sebelumnya: 1,49 M.
- Kas neto: $13,6 MKas + investasi jangka pendek: $37 M, utang termasuk sewa: $23,4 M; tahun lalu utang neto: $4,34 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $4,11 M | $3,23 M | +27,4% |
| Margin kotor | 64,9% | 62,3% | +2,6 poin |
| Laba operasional | $896 jt | $766 jt | +17,0% |
| Margin operasional | 21,8% | 23,7% | -1,9 poin |
| Laba bersih | $721 jt | $629 jt | +14,6% |
| EPS dilusian | $0,33 | $0,41 | -19,5% |
| Arus kas operasional | $773 jt | $487 jt | +58,7% |
| Capex | $90 jt | -$108 jt | +183,3% |
| Arus kas bebas | $683 jt | $595 jt | +14,8% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $53 jt | $31 jt | +71,0% |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Consumer & Regional Banking | – | – | – | – | – | |
| Commercial Banking | – | – | – | – | – | |
| Cards And Payment Processing Revenue | $197 jt | +22,4% | 46,0% | – | – | |
| Trust And Investment Management Services Revenue | $131 jt | +26,0% | 30,6% | – | – | |
| Service Charges Revenue | $75 jt | +13,6% | 17,5% | – | – | |
| Treasury / Other | – | – | – | – | – | |
| Insurance Revenue | – | – | – | – | – | |
| Other Revenue | $25 jt | 0,0% | 5,8% | – | – | |
| Leasing Revenue | – | – | – | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $3,25 M
- Capex
- -$208 jt
- Buyback
- -$409 jt
- Dividen
- -$1,11 M
- Akuisisi
- $2,54 M
- Utang neto diterbitkan
- -$939 jt
- Kompensasi berbasis saham
- $148 jt
- Arus kas bebas
- $3,05 M
- Dikembalikan ke pemegang saham / FCF
- 49,7%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 12,2× | 12,4× | 9,6× – 16,9× |
| EV / EBITDA | 14,5× | 9,2× | 6,6× – 12,3× |
| EV / Penjualan | 3,5× | 2,8× | 2,0× – 3,5× |
| Harga / FCF | 10,4× | 9,8× | 5,3× – 14,1× |
| Harga / Nilai buku | 1,0× | 1,1× | 1,0× – 1,2× |
| Imbal hasil FCF | 9,6% | 11,5% | 7,1% – 18,8% |
| Imbal hasil modal yang diinvestasikan | 5,0% | 3,7% | -2,0% – 6,4% |
| Imbal hasil ekuitas | 8,2% | 9,7% | 6,7% – 12,6% |
Analis
Target konsensus $19,33 (+22,5%)
rentang $18,00 – $21,00 · peringkat Hold
Beli kuat1
Beli21
Tahan24
Jual3
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 412 angka yang ditandai Huntington Bancshares Incorporated dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| $0 | – | – | – | – | – | |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $1,19 M2025-12-31 | $1,17 M | +2,0% | $1,19 M | $1,17 M | +2,0% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$2,97 M | -$2,07 M | -43,6% | -$1,91 M | -$2,87 M | +33,4% |
| Additional Paid in Capital | $25,1 M | $15,5 M | +61,6% | $17,2 M | $15,5 M | +11,4% |
| Amortization of Intangible Assets | $49 jt | $11 jt | +345,5% | $46 jt | $47 jt | -2,1% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $53 jt | $31 jt | +71,0% | $113 jt | $106 jt | +6,6% |
| Assets | $288 M | $210 M | +36,9% | $225 M | $204 M | +10,2% |
| Bad Debt Reserve, Tax Purpose of Qualified Lender | $182 jt2025-12-31 | $182 jt | 0,0% | $182 jt | $182 jt | 0,0% |
| Bank Owned Life Insurance | $3,69 M | $2,81 M | +31,2% | $2,9 M | $2,79 M | +3,9% |
| Banking Regulation, Capital Conservation Buffer, Total Risk-Based Capital, Actual | 2,5%2025-12-31 | 2,5% | 0,0% | 2,5% | 2,5% | 0,0% |
| Banking Regulation, Common Equity Tier One Risk-Based Capital Ratio, Actual | 10,4%2025-12-31 | 10,5% | -1,0% | 10,4% | 10,5% | -1,0% |
| Banking Regulation, Common Equity Tier One Risk-Based Capital, Actual | $17,3 M2025-12-31 | $15,1 M | +14,3% | $17,3 M | $15,1 M | +14,3% |
| Banking Regulation, Tier One Leverage Capital Ratio, Actual | 9,3%2025-12-31 | 8,6% | +8,1% | 9,3% | 8,6% | +8,1% |
| Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum | 4,0%2025-12-31 | 4,0% | 0,0% | 4,0% | 4,0% | 0,0% |
| Banking Regulation, Tier One Leverage Capital, Actual | $20 M2025-12-31 | $17,1 M | +16,9% | $20 M | $17,1 M | +16,9% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Actual | 12,0%2025-12-31 | 11,9% | +0,8% | 12,0% | 11,9% | +0,8% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum | 6,0%2025-12-31 | 6,0% | 0,0% | 6,0% | 6,0% | 0,0% |
| Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum | 6,0%2025-12-31 | 6,0% | 0,0% | 6,0% | 6,0% | 0,0% |
| Banking Regulation, Tier One Risk-Based Capital, Actual | $20 M2025-12-31 | $17,1 M | +16,9% | $20 M | $17,1 M | +16,9% |
| Banking Regulation, Total Capital, Actual | $23,6 M2025-12-31 | $20,6 M | +14,7% | $23,6 M | $20,6 M | +14,7% |
| Banking Regulation, Total Risk-Based Capital Ratio, Actual | 14,2%2025-12-31 | 14,3% | -0,7% | 14,2% | 14,3% | -0,7% |
| Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum | 8,0%2025-12-31 | 8,0% | 0,0% | 8,0% | 8,0% | 0,0% |
| Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum | 10,0%2025-12-31 | 10,0% | 0,0% | 10,0% | 10,0% | 0,0% |
| Cash Acquired from Acquisition | $0 | $0 | – | $864 jt | $0 | – |
| Cash and Due from Banks | $2,38 M | $1,7 M | +40,2% | $1,78 M | $1,69 M | +5,8% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$3 jt | -$4 jt | +25,0% | -$15 jt | -$43 jt | +65,1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $16,8 M | $12,7 M | +32,0% | $13,5 M | $12,8 M | +5,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $1,22 M | $2,38 M | -48,8% | $648 jt | $2,72 M | -76,2% |
| Collateral Already Posted, Aggregate Fair Value | $467 jt | $111 jt | +320,7% | $174 jt | $381 jt | -54,3% |
| Common Stock, Dividends, Per Share, Declared | $0,16 | $0,16 | 0,0% | $0,62 | $0,62 | 0,0% |
| Common Stock, Par or Stated Value Per Share | $0,01 | $0,01 | 0,0% | $0,01 | $0,01 | 0,0% |
| Common Stock, Shares Authorized | 2,25 M | 2,25 M | 0,0% | 2,25 M | 2,25 M | 0,0% |
| Common Stock, Shares, Issued | 2,02 M | – | – | 1,57 M | 1,45 M | +7,8% |
| Common Stock, Shares, Outstanding | 2,02 M | 1,46 M | +38,1% | 1,57 M | 1,45 M | +7,8% |
| Common Stock, Value, Issued | $20 jt | $15 jt | +33,3% | $16 jt | $15 jt | +6,7% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $3 jt | $4 jt | -25,0% | $18 jt | $20 jt | -10,0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | -$40 jt | $804 jt | -105,0% | $3,17 M | $1,75 M | +81,1% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | -$37 jt | $808 jt | -104,6% | $3,19 M | $1,77 M | +80,1% |
| Current Federal Tax Expense (Benefit) | – | – | – | $778 jt | $411 jt | +89,3% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $5 jt | $15 jt | -66,7% |
| Current Income Tax Expense (Benefit) | – | – | – | $862 jt | $469 jt | +83,8% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $79 jt | $43 jt | +83,7% |
| Debt and Equity Securities, Gain (Loss) | $0 | $0 | – | -$58 jt | $0 | – |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $156 jt | $89 jt | +75,3% | $106 jt | $89 jt | +19,1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $5 jt | $58 jt | -91,4% | $66 jt | $13 jt | +407,7% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $3,55 M | $2,58 M | +37,9% | $2,44 M | $3,48 M | -29,8% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $23,7 M | $19 M | +25,2% | $19,7 M | $19,3 M | +2,0% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $2,33 M | $1,92 M | +21,1% | $1,9 M | $1,86 M | +2,3% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $8,68 M | $5,63 M | +54,3% | $5,58 M | $5,99 M | -6,9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $3,42 M | $2,1 M | +62,8% | $1,37 M | $3,62 M | -62,2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $14,2 M | $17,4 M | -18,0% | $16,5 M | $18 M | -8,5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $3,17 M | $2,56 M | +23,6% | $2,43 M | $3,41 M | -28,7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $18,9 M | $1,22 M | +1.446,7% | $1,2 M | $4,73 M | -74,7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $385 jt | $13 jt | +2.861,5% | $14 jt | $74 jt | -81,1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $20,6 M | $16,6 M | +24,3% | $17,4 M | $16,1 M | +8,2% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $2,13 M | $1,8 M | +18,7% | $1,78 M | $1,73 M | +3,0% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $8,51 M | $5,64 M | +51,0% | $5,6 M | $5,84 M | -4,3% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $3,41 M | $2,1 M | +62,6% | $1,37 M | $3,62 M | -62,3% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $33,1 M | $18,6 M | +78,3% | $17,7 M | $22,8 M | -22,3% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $3,55 M | $2,58 M | +37,9% | $2,44 M | $3,48 M | -29,8% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, dan estimasi distandardisasi dari laporan perusahaan. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30
Data per 2026-11-02