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HBAN vs TFC
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. Truist Financial (TFC) Stock Comparison
Key Takeaways
- HBAN delivered a Q1 earnings beat with adjusted EPS of $0.37 versus estimates of $0.36, fueled by 34% revenue growth and higher net interest income (NII, revenue from interest-earning assets minus interest expenses).
- TFC exhibits stronger recent momentum, posting a 15% one-month gain and year-to-date return of nearly 5%, outpacing HBAN's 3.6% YTD performance.
- Both regional banks offer solid dividends, with TFC at 4.07% yield slightly ahead of HBAN's 3.75%.
- TFC's larger market cap of $63.7 billion provides greater scale compared to HBAN's $33.5 billion.
- Analyst price targets indicate potential upside: HBAN to $19.69 (19% from current levels) and TFC to $55.53 (9% upside).
- In the current rate environment, both benefit from stabilizing NII, though regional bank risks like commercial real estate exposure persist.
Introduction
This stock comparison pits HBAN against TFC, two prominent regional banks navigating a dynamic market shaped by interest rate shifts and economic resilience. Investors seeking exposure to financial services, particularly those focused on relative performance, dividend stability, and growth potential in the banking sector, will find value here. Recent earnings beats and dividend declarations have bolstered sentiment for both, highlighting their positioning amid broader sector recovery. Traders monitoring momentum and institutional investors evaluating scale advantages can use this analysis to assess trade-offs in market positioning and risk profiles.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated (HBAN) operates as a Midwest-focused regional bank holding company, providing commercial, consumer, and mortgage banking services through its Huntington National Bank subsidiary. With a network emphasizing deposits, lending, wealth management, and digital solutions, it serves middle-market businesses and consumers primarily in Ohio, Michigan, and surrounding states.
In recent market activity, HBAN shares have shown resilience, trading around $16.55 with a 52-week range of $14.19–$19.46. Q1 results featured an earnings beat, with adjusted EPS of $0.37 and revenue up 34% year-over-year to $2.59 billion, driven by elevated NII and noninterest income growth to $682 million. Fee income and controlled net charge-offs (NCO, loan losses net of recoveries) supported positivity. Post-earnings, Piper Sandler upgraded to Neutral, reflecting optimism on revenue trends despite integration costs from recent acquisitions like Cadence Bank. Sentiment has improved on stabilizing deposits and efficiency, though P/E of 12.73 signals value amid rate pressures.
TFC Overview and Recent Performance
Truist Financial Corporation (TFC) is a major financial services provider in the Southeast and Mid-Atlantic, offering banking, trust, and wealth management via segments in consumer/small business and wholesale banking. Its products span deposits, lending, asset management, and capital markets, backed by $549 billion in assets.
Recent weeks have seen TFC shares advance to about $51.15, within a 52-week span of $37.51–$56.20, delivering a robust 15% monthly gain and 5% YTD rise. Dividend hikes to $0.52 per share underscore shareholder focus. Strong performance stems from disciplined expense management and fee income resilience, with analysts like Evercore ISI raising targets to $58 amid favorable banking trends. Trading at a P/E of 12.66, TFC benefits from its scale and diversified revenue, though like peers, it monitors credit quality in a high-rate backdrop. Overall sentiment leans positive on momentum and yield appeal.
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Head-to-Head Comparison
Both HBAN and TFC thrive as regional banks sensitive to net interest margins and loan demand, but TFC's larger footprint offers broader wholesale banking exposure versus HBAN's consumer tilt. Growth drivers differ: HBAN leverages acquisitions for deposit expansion, while TFC emphasizes fee diversification.
Recent momentum favors TFC with superior short-term gains, contrasting HBAN's steadier post-earnings climb. Risk factors align on commercial real estate and NCO ratios around 0.3%, with both exhibiting solid common equity tier 1 (CET1, core capital measure) buffers. Sector exposure mirrors U.S. banking dynamics, but TFC's scale mitigates volatility. Market sentiment tilts toward TFC for its yield and targets, positioning it for outperformance in stable rates, while HBAN appeals for value.
Tickeron AI Verdict
Tickeron's AI models currently lean toward TFC based on superior trend consistency, recent momentum, and relative stability in a banking rebound. Factors like higher short-term returns, elevated analyst conviction, and dividend strength enhance its positioning over HBAN, though both show promise if NII holds. This probabilistic edge favors monitoring TFC for near-term opportunities.
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 StrongBuy and TFC is a StrongBuy.
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 1 FA rating(s) are green whileTFC’s FA Score has 2 green FA rating(s).
- HBAN’s FA Score: 1 green, 4 red.
- TFC’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 TFC’s TA Score has 5 bullish TA indicator(s).
- HBAN’s TA Score: 6 bullish, 4 bearish.
- TFC’s TA Score: 5 bullish, 4 bearish.
Price Growth
HBAN (@Regional Banks) experienced а +0.98% price change this week, while TFC (@Regional Banks) price change was +2.05% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.69%. For the same industry, the average monthly price growth was +0.66%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
HBAN is expected to report earnings on Jul 23, 2026.
TFC is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+0.69% 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 | TFC | HBAN / TFC | |
| Capitalization | 33.5B | 61.3B | 55% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -3.815 | 2.055 | -186% |
| P/E Ratio | 12.71 | 12.18 | 104% |
| Revenue | 8.78B | 20.6B | 43% |
| Total Cash | 1.78B | 4.97B | 36% |
| Total Debt | 23.5B | 69.1B | 34% |
HBAN | TFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 14 | 74 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 34 Fair valued | 23 Undervalued | |
PROFIT vs RISK RATING 1..100 | 64 | 95 | |
SMR RATING 1..100 | 9 | 7 | |
PRICE GROWTH RATING 1..100 | 52 | 48 | |
P/E GROWTH RATING 1..100 | 46 | 50 | |
SEASONALITY SCORE 1..100 | 55 | 50 |
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.
TFC's Valuation (23) in the null industry is in the same range as HBAN (34) in the Regional Banks industry. This means that TFC’s stock grew similarly to HBAN’s over the last 12 months.
HBAN's Profit vs Risk Rating (64) in the Regional Banks industry is in the same range as TFC (95) in the null industry. This means that HBAN’s stock grew similarly to TFC’s over the last 12 months.
TFC's SMR Rating (7) in the null industry is in the same range as HBAN (9) in the Regional Banks industry. This means that TFC’s stock grew similarly to HBAN’s over the last 12 months.
TFC's Price Growth Rating (48) in the null industry is in the same range as HBAN (52) in the Regional Banks industry. This means that TFC’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 TFC (50) in the null industry. This means that HBAN’s stock grew similarly to TFC’s over the last 12 months.
| HBAN | TFC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 75% | N/A |
| Stochastic ODDS (%) | 2 days ago 60% | 2 days ago 61% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 70% |
| MACD ODDS (%) | 2 days ago 64% | 2 days ago 73% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 56% |
| Advances ODDS (%) | 9 days ago 63% | 2 days ago 63% |
| Declines ODDS (%) | 25 days ago 60% | 10 days ago 63% |
| BollingerBands ODDS (%) | 2 days ago 69% | 2 days ago 67% |
| Aroon ODDS (%) | 2 days ago 45% | 2 days ago 54% |
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HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN has been closely correlated with FITB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBAN jumps, then FITB could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | -0.06% | ||
| FITB - HBAN | 88% Closely correlated | +0.41% | ||
| PNC - HBAN | 85% Closely correlated | +0.57% | ||
| KEY - HBAN | 85% Closely correlated | +0.42% | ||
| TFC - HBAN | 84% Closely correlated | +0.04% | ||
| MTB - HBAN | 83% Closely correlated | +0.32% | ||
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