Huntington Bancshares (HBAN) Stock Forecast & Price Target

Huntington Bancshares is supported by a diversified regional banking platform that has delivered peer-leading loan and deposit growth, expanded its Carolina footprint, and broadened its specialty commercial verticals while investing in higher-growth fee businesses such as capital markets, payments, and wealth management. Even after management reset 2026/2027 expectations, the company is still expected to generate 14% EPS growth in 2027, 17% to 18% ROTCE, and over 10% TBV growth, with improving efficiency and strong internal capital generation supporting roughly 5% cumulative share repurchases. Its valuation remains compelling at a meaningful discount to peers, while completed integrations at Veritex and Cadence and expected revenue synergies of $600 million through 2028 provide additional upside from cost saves and revenue acceleration.

Huntington Bancshares is under pressure from repeatedly lower earnings and margin guidance, with management cutting its 2026 net interest income outlook to about 35% and trimming 2026 and 2027 EPS estimates as deposit pricing pressure and asset yield compression persist. Loan growth is also slowing as competition intensifies in CRE, indirect auto, and residential mortgage, while fee income outlooks have softened after a weaker 3Q capital markets backdrop and elevated 2Q other fees. On top of that, integration risk from the VBTX and CADE acquisitions, plus the possibility of higher credit costs and a prolonged U.S. recession, threatens credit quality, profitability, and investor confidence.