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HBAN vs MTB
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. M&T Bank (MTB) Stock Comparison
Key Takeaways
- Both HBAN and MTB delivered solid Q1 2026 earnings, with HBAN posting a significant EPS beat of $0.37 versus estimates of $0.16 and revenue growth of 34%, while MTB reported EPS of $4.13 meeting expectations.
- MTB shows stronger year-to-date performance at 8.71% compared to HBAN's 3.64%, reflecting greater stability amid regional banking pressures.
- Market caps are closely matched around $33 billion, with similar trailing P/E ratios near 12.5, but MTB boasts a higher return on equity (ROE) of 10.29% versus HBAN's 8.39%.
- Analyst consensus leans toward HBAN with a Strong Buy rating and ~20% upside potential, while MTB holds a Hold rating with modest growth prospects.
- Recent momentum favors HBAN post-earnings, driven by loan and deposit growth, contrasting MTB's flat performance amid insider selling.
Introduction
HBAN and MTB, both prominent regional banks, offer investors exposure to the U.S. Midwest and Northeast markets amid evolving interest rates and economic conditions. This comparison is particularly relevant for traders seeking relative performance in the banking sector, where net interest income (NII, revenue from loans minus deposit costs) and credit quality drive returns. Investors focused on dividends, growth potential, or hedging regional bank volatility may find value in evaluating their business models, recent earnings, and market positioning. With similar valuations, the analysis highlights key contrasts in momentum and risk profiles in the current environment.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated (HBAN) operates as a diversified regional bank primarily in the Midwest, offering commercial, consumer, and treasury management services. In recent market activity, HBAN shares have gained traction, trading around $16.55 with a 52-week range of $14.19–$19.46. The stock's year-to-date return stands at 3.64%, supported by robust Q1 2026 results including adjusted EPS of $0.37—well above consensus—and 34% revenue growth to $2.59 billion, fueled by organic loan and deposit expansion plus net interest margin (NIM, spread between interest earned and paid) improvements. Sentiment has shifted positively due to excellent credit performance, a $3 billion buyback announcement, and analyst upgrades, offsetting broader sector pressures from rate sensitivity.
MTB Overview and Recent Performance
M&T Bank Corporation (MTB) provides banking and financial services across the Northeast and Mid-Atlantic, with a focus on commercial and industrial lending. Shares recently hover near $217.52, within a 52-week range of $165.34–$239.00, delivering an 8.71% year-to-date gain. Q1 2026 earnings featured net income of $664 million and diluted EPS of $4.13, aligning with expectations amid NII of $1.75 billion and a strong Common Equity Tier 1 (CET1, core capital measure) ratio of 10.33%. Performance reflects steady deposit betas (rate sensitivity) in the low 50s and solid credit quality, though tempered by rising costs, insider sales exceeding $20 million, and cautious analyst revisions in recent weeks.
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Head-to-Head Comparison
As fellow regional banks, HBAN and MTB share exposure to NII fluctuations and commercial lending, but differ in scale and geography—HBAN emphasizes Midwest consumer growth via acquisitions, while MTB leverages Northeast C&I strength. Growth drivers contrast: HBAN shows superior recent loan/deposit momentum, versus MTB's stable but slower expansion. Momentum favors HBAN post-earnings surge, while MTB exhibits higher stability near 52-week highs. Risk factors include rate cuts pressuring NIM for both, though MTB's elevated CET1 offers a buffer; HBAN faces higher payout ratios. Sentiment tilts toward HBAN on buybacks, but MTB wins on ROE and YTD returns.
Tickeron AI Verdict
Tickeron’s AI currently favors HBAN over MTB, based on superior earnings surprise, consistent upward trend in recent weeks, analyst price target upside exceeding 20%, and positive catalysts like buybacks amid regional bank recovery. While MTB offers greater stability, HBAN's momentum and growth positioning suggest higher probabilistic outperformance in the near term.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HBAN is a Hold and MTB is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HBAN’s FA Score shows that 2 FA rating(s) are green whileMTB’s FA Score has 2 green FA rating(s).
- HBAN’s FA Score: 2 green, 3 red.
- MTB’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HBAN’s TA Score shows that 6 TA indicator(s) are bullish while MTB’s TA Score has 6 bullish TA indicator(s).
- HBAN’s TA Score: 6 bullish, 4 bearish.
- MTB’s TA Score: 6 bullish, 4 bearish.
Price Growth
HBAN (@Regional Banks) experienced а -0.04% price change this week, while MTB (@Regional Banks) price change was +0.79% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
HBAN is expected to report earnings on Jul 23, 2026.
MTB is expected to report earnings on Jul 15, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| HBAN | MTB | HBAN / MTB | |
| Capitalization | 34.6B | 33.3B | 104% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 0.167 | 14.611 | 1% |
| P/E Ratio | 13.12 | 12.79 | 103% |
| Revenue | 8.78B | 9.73B | 90% |
| Total Cash | 2.1B | 1.9B | 110% |
| Total Debt | 23.5B | 19B | 124% |
HBAN | MTB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 36 | 20 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 32 Undervalued | 50 Fair valued | |
PROFIT vs RISK RATING 1..100 | 59 | 37 | |
SMR RATING 1..100 | 9 | 8 | |
PRICE GROWTH RATING 1..100 | 48 | 24 | |
P/E GROWTH RATING 1..100 | 46 | 51 | |
SEASONALITY SCORE 1..100 | 90 | 44 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HBAN's Valuation (32) in the Regional Banks industry is in the same range as MTB (50). This means that HBAN’s stock grew similarly to MTB’s over the last 12 months.
MTB's Profit vs Risk Rating (37) in the Regional Banks industry is in the same range as HBAN (59). This means that MTB’s stock grew similarly to HBAN’s over the last 12 months.
MTB's SMR Rating (8) in the Regional Banks industry is in the same range as HBAN (9). This means that MTB’s stock grew similarly to HBAN’s over the last 12 months.
MTB's Price Growth Rating (24) in the Regional Banks industry is in the same range as HBAN (48). This means that MTB’s stock grew similarly to HBAN’s over the last 12 months.
HBAN's P/E Growth Rating (46) in the Regional Banks industry is in the same range as MTB (51). This means that HBAN’s stock grew similarly to MTB’s over the last 12 months.
| HBAN | MTB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 69% | 2 days ago 44% |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 51% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 51% | 2 days ago 56% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 63% | 12 days ago 62% |
| Declines ODDS (%) | 16 days ago 60% | 6 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 64% |
| Aroon ODDS (%) | 2 days ago 53% | 2 days ago 52% |
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