
Huntington Bancshares (HBAN) Stock Forecast & Price Target
Huntington Bancshares (HBAN) Analyst Ratings
Bulls say
Huntington Bancshares is poised for a positive outlook due to anticipated margin expansion of approximately 10 basis points annually in 2026 and 2027, driven by effective fixed asset repricing and lower deposit costs, contributing to overall net interest income growth. The bank has demonstrated strong franchise growth, particularly in regions like the rapidly expanding Dallas-Fort Worth and Houston metro areas, where job increases position it well for future market penetration. Furthermore, the acquisition of Veritex and the ongoing strengthening of its Texas presence are expected to enhance its footprint in high-growth markets, supporting robust earnings momentum and performance compared to peers.
Bears say
Huntington Bancshares is facing a negative outlook due to several fundamental financial pressures, including a significant downturn in the average loan-to-value (LTV) ratio for car loans, which has dropped from 89% in 2020 to 86% in 2023, reflecting anticipated declines in used car prices. The bank's large portfolio of indirect auto loans, amounting to $12.5 billion, is particularly vulnerable in a challenging economic environment marked by sluggish loan growth, heightened credit costs, and difficulties in deposit gathering, all of which could adversely affect lending opportunities and profit margins. Additionally, the recent acquisitions of FirstMerit and TCF Financial may create further uncertainty and volatility for Huntington, as investors may be concerned about the potential for additional deals and the bank's need to build capital to remain competitive.
This aggregate rating is based on analysts' research of Huntington Bancshares and is not a guaranteed prediction by Public.com or investment advice.
Huntington Bancshares (HBAN) Analyst Forecast & Price Prediction
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