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Financial Services - Banks - Regional - NASDAQ - US
$ 19.4
-0.513 %
$ 25.3 B
Market Cap
24.94
P/E
1. INTRINSIC VALUE

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services.[ Read More ]

The intrinsic value of one HBANP stock under the base case scenario is HIDDEN Compared to the current market price of 19.4 USD, Huntington Bancshares Incorporated is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HBANP

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FINANCIALS
7.36 B REVENUE
1.46%
2.38 B OPERATING INCOME
-37.84%
1.97 B NET INCOME
-12.36%
2.66 B OPERATING CASH FLOW
-34.02%
-3 B INVESTING CASH FLOW
74.18%
3.76 B FINANCING CASH FLOW
-57.04%
1.87 B REVENUE
-36.67%
642 M OPERATING INCOME
3.05%
522 M NET INCOME
10.13%
-438 M OPERATING CASH FLOW
-91.25%
-2.88 B INVESTING CASH FLOW
-2.31%
2.46 B FINANCING CASH FLOW
-8.88%
Balance Sheet Decomposition Huntington Bancshares Incorporated
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Current Assets 10.1 B
Cash & Short-Term Investments 10.1 B
Receivables 0
Other Current Assets 0
Non-Current Assets 7.34 B
Long-Term Investments 0
PP&E 1.11 B
Other Non-Current Assets 6.23 B
Current Liabilities 2 M
Accounts Payable 0
Short-Term Debt 2 M
Other Current Liabilities 0
Non-Current Liabilities 169 B
Long-Term Debt 12.4 B
Other Non-Current Liabilities 157 B
EFFICIENCY
Earnings Waterfall Huntington Bancshares Incorporated
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Revenue 7.36 B
Cost Of Revenue 0
Gross Profit 7.36 B
Operating Expenses 115 M
Operating Income 2.38 B
Other Expenses 413 M
Net Income 1.97 B
RATIOS
100.00% GROSS MARGIN
100.00%
32.39% OPERATING MARGIN
32.39%
26.51% NET MARGIN
26.51%
10.08% ROE
10.08%
1.03% ROA
1.03%
6.21% ROIC
6.21%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Huntington Bancshares Incorporated
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Net Income 1.97 B
Depreciation & Amortization 798 M
Capital Expenditures -140 M
Stock-Based Compensation 97 M
Change in Working Capital -339 M
Others 93 M
Free Cash Flow 2.52 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Huntington Bancshares Incorporated
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HBANP has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.23% DIVIDEND YIELD
0.281 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Huntington Bancshares Incorporated
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
30.2 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
11 months ago
Nov 21, 2023
Sell 30.2 K USD
Houston Helga
Senior Exec. V. P.
- 2750
10.975 USD
1 year ago
Nov 07, 2023
Sell 45 K USD
Houston Helga
Senior Exec. V. P.
- 4300
10.465 USD
1 year ago
Aug 09, 2023
Sell 283 K USD
Heller Paul G
Sr. EVP & Chief Technology Off
- 23816.569
11.8915 USD
1 year ago
Aug 09, 2023
Sell 147 K USD
Houston Helga
Senior Exec. V. P.
- 12280
11.97 USD
1 year ago
May 31, 2023
Bought 2.07 K USD
Diaz-Granados Rafael
Director
+ 200
10.35 USD
1 year ago
May 30, 2023
Bought 250 K USD
TORGOW GARY
Director
+ 23680
10.5631 USD
1 year ago
May 12, 2023
Sell 1.47 M USD
Heller Paul G
Sr. EVP & Chief Technology Off
- 160000
9.1891 USD
1 year ago
May 03, 2023
Sell 1.01 M USD
Wasserman Zachary Jacob
CFO and Senior Exec. V.P.
- 98608
10.2484 USD
1 year ago
Apr 26, 2023
Bought 216 K USD
Phelan Kenneth J
Director
+ 20000
10.8 USD
1 year ago
Nov 29, 2022
Sell 762 K USD
Jones Michael Scott
Senior Exec. V.P.
- 50000
15.2496 USD
2 years ago
Nov 15, 2022
Sell 31.8 K USD
Dennis Donald Lee
Executive V.P.
- 2100
15.136 USD
2 years ago
Nov 15, 2022
Sell 711 K USD
Houston Helga
Senior Exec. V. P.
- 47000
15.1354 USD
2 years ago
Nov 10, 2022
Sell 191 K USD
Kleinman Scott D
Senior Exec. V.P.
- 12322
15.5 USD
2 years ago
Nov 07, 2022
Sell 433 K USD
Wasserman Zachary Jacob
CFO and Senior Exec. V.P.
- 28055
15.44 USD
2 years ago
Nov 07, 2022
Sell 151 K USD
Kleinman Scott D
Senior Exec. V.P.
- 9749
15.5 USD
2 years ago
Nov 04, 2022
Sell 307 K USD
Heller Paul G
Sr. EVP & Chief Technology Off
- 20195
15.2106 USD
2 years ago
Oct 25, 2022
Bought 248 K USD
TORGOW GARY
Director
+ 16835
14.7541 USD
7. News
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable July 15, 2015 to shareholders of record on July 1, 2015. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.43825352 per share (equivalent to $0.1859563 per depositary receipt share). The dividend is payable July 15, 2015 to shareholders of record on July 1, 2015. About Huntington Huntington Bancshares Incorporated is a $68 billion asset regional bank holding company headquartered in Columbus, Ohio, with a network of more than 700 branches and almost 1,500 ATMs across six Midwestern states. Founded in 1866, The Huntington National Bank and its affiliates provide consumer, small business, commercial, treasury management, wealth management, brokerage, trust, and insurance services. Huntington also provides auto dealer, equipment finance, national settlement and capital market services that extend beyond its core states. Visit huntington.com for more information. businesswire.com - 9 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable April 15, 2015 to shareholders of record on April 1, 2015. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.38325352 per share (equivalent to $0.1845813 per depositary receipt share). The dividend is payable April 15, 2015 to shareholders of record on April 1, 2015. About Huntington Huntington Bancshares Incorporated is a $66 billion asset regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, and its affiliates provide full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and Northeast states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 9 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable January 15, 2015, to shareholders of record on January 1, 2015. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.3265000 per share (equivalent to $0.1831625 per depositary receipt share). The dividend is payable January 15, 2015, to shareholders of record on January 1, 2015. About Huntington Huntington Bancshares Incorporated is a $64 billion asset regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, and its affiliates provide full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and Northeast states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 10 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable October 15, 2014, to shareholders of record on October 1, 2014. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.3340000 per share (equivalent to $0.1833500 per depositary receipt share). The dividend is payable October 15, 2014, to shareholders of record on October 1, 2014. About Huntington Huntington Bancshares Incorporated is a $64 billion asset regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, and its affiliates provide full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 10 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable July 15, 2014, to shareholders of record on July 1, 2014. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.31612676 per share (equivalent to $0.1829032 per depositary receipt share). The dividend is payable July 15, 2014, to shareholders of record on July 1, 2014. About Huntington Huntington Bancshares Incorporated is a $60 billion asset regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, provides full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 10 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable April 15, 2014, to shareholders of record on April 1, 2014. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $ 7.34725352 per share (equivalent to $0.1836813 per depositary receipt share). The dividend is payable April 15, 2014, to shareholders of record on April 1, 2014. About Huntington Huntington Bancshares Incorporated is a $59 billion regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, and its affiliates provide full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 10 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable January 15, 2014, to shareholders of record on January 1, 2014. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.359 per share (equivalent to $.1839750 per depositary receipt share). The dividend is payable January 15, 2014, to shareholders of record on January 1, 2014. About Huntington Huntington Bancshares Incorporated is a $57 billion regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, provides full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 11 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable October 15, 2013, to shareholders of record on October 1, 2013. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.42025352 per share (equivalent to $0.1855063 per depositary receipt share). The dividend is payable October 15, 2013, to shareholders of record on October 1, 2013. About HuntingtonHuntington Bancshares Incorporated is a $56 billion regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, provides full-service commercial and consumer banking services, mortgage banking services, automobile financing, equipment leasing, investment management, trust services, brokerage services, insurance service programs, and other financial products and services. The principal markets for these services are Huntington’s six-state banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 725 traditional branches and branches located in grocery stores. We also have an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,400 ATMs. Through automotive dealership relationships within its six-state banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 11 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable July 15, 2013, to shareholders of record on July 1, 2013. The board of directors also declared a quarterly cash dividend on its Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.44275549 per share (equivalent to $.1860689 per depositary receipt share). The dividend is payable July 15, 2013, to shareholders of record on July 1, 2013. About Huntington Huntington Bancshares Incorporated is a $56 billion regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, provides full-service commercial and consumer banking services, mortgage banking services, automobile financing, equipment leasing, investment management, trust services, brokerage services, insurance service programs, and other financial products and services. The principal markets for these services are Huntington’s six-state banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and branches located in grocery stores. We also have an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,400 ATMs. Through automotive dealership relationships within its six-state banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 11 years ago
Huntington Bancshares Incorporated Declares Quarterly Cash Dividend on Its Series A and B Preferred Stocks COLUMBUS, Ohio--(BUSINESS WIRE)--Huntington Bancshares Incorporated announced that the board of directors has declared a quarterly cash dividend on its 8.50% Series A Non-Cumulative Perpetual Convertible Preferred Stock (NASDAQ: HBANP) of $21.25 per share. The dividend is payable April 15, 2013, to shareholders of record on April 1, 2013. The board of directors also declared a quarterly cash dividend on Floating Rate Series B Non-Cumulative Perpetual Preferred Stock (CUSIP#: 446150500) of $7.51000197 per share (equivalent to $.1877500 per depositary receipt share). The dividend is payable April 15, 2013, to shareholders of record on April 1, 2013. About HuntingtonHuntington Bancshares Incorporated is a $56 billion regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, provides full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington’s six-state banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,300 ATMs. Through automotive dealership relationships within its six-state banking franchise area and selected other Midwest and New England states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. businesswire.com - 11 years ago
8. Profile Summary

Huntington Bancshares Incorporated HBANP

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 25.3 B
Dividend Yield 1.23%
Description Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and services, such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, and consumer and small business loans, as well as investment products. This segment also provides mortgages, insurance, interest rate risk protection, foreign exchange, automated teller machine, and treasury management services, as well as online, mobile, and telephone banking services. It serves consumer and small business customers. The Commercial Banking segment offers regional commercial banking solutions for middle market businesses, government and public sector entities, and commercial real estate developers/REITs; and specialty banking solutions for healthcare, technology and telecommunications, franchise finance, sponsor finance, and global services industries. It also provides asset finance services; capital raising solutions, sales and trading, and corporate risk management products; institutional banking services; and treasury management services. The Vehicle Finance segment provides financing to consumers for the purchase of automobiles, light-duty trucks, recreational vehicles, and marine craft at franchised and other select dealerships, as well as to franchised dealerships for the acquisition of new and used inventory. The RBHPCG segment offers private banking, wealth and investment management, and retirement plan services. As of March 18, 2022, the company had approximately 1,000 branches in 11 states. Huntington Bancshares Incorporated was founded in 1866 and is headquartered in Columbus, Ohio.
Contact Huntington Center, Columbus, OH, 43287 https://www.huntington.com
IPO Date Feb. 2, 2021
Employees 19896
Officers Mr. Timothy R. Sedabres Executive Vice President & Head of Investor Relations Mr. Brantley J. Standridge Senior EVice President and President of Consumer & Business Banking Ms. Marcy C. Hingst Senior EVice President & General Counsel Ms. Sarah Pohmer Senior EVice President & Chief Human Resources Officer Mr. Kendall Kowalski Executive Vice President & Chief Information Officer Ms. Nancy E. Maloney Executive Vice President, Controller & Principal Accounting Officer Mr. Timothy W. Miller Executive Vice President & Chief Communications Officer Mr. Stephen D. Steinour Chairman, President & Chief Executive Officer Mr. Zachary J. Wasserman Chief Financial Officer & Senior EVice President Mr. Scott D. Kleinman Senior Executive Vice President & President of Commercial Banking