FITB vs HBAN: Fifth Third vs Huntington Bancshares Stock Comparison: AI Score, Valuation, Performance and Upside
Fifth Third and Huntington are both Midwest regional banks with overlapping geographies but different product mix — Fifth Third emphasizes commercial banking and payments while Huntington emphasizes auto lending and consumer banking. Both trade at reasonable P/TBV multiples and offer dividend income.
FITB vs HBAN is a commercial-and-payments bank versus a consumer-and-auto lending bank in the same Midwest market — both offer regional bank dividend income; the choice depends on whether you prefer commercial banking diversification or auto lending exposure.
HBAN holds the edge across 3 of 5 key metrics in this comparison. FITB has delivered stronger 1-year price return (+17.31% vs -5.31%), though HBAN has the better forward P/E setup (9.01x vs 11.04x for FITB). On fundamentals, FITB is growing revenue faster (51.80%), while HBAN maintains the higher operating margin (41.93%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for HBAN (+19.98%) than for FITB (+15.33%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- prefer a stronger commercial banking and payments business mix
- value fee revenue from treasury management and wealth services
- want regional bank exposure with consistent dividend growth
- prefer Fifth Third's broader footprint across 11 states
- want a bank with specialized auto lending expertise and dealer relationships
- prefer Huntington's conservative Midwest consumer banking culture
- value a strong regional deposit franchise with consistent shareholder returns
- are comfortable with auto lending cyclicality as a key revenue driver
| Metric | FITB | HBAN |
|---|---|---|
| AI scorei | 55.0 | 43.4 |
| AI ranki | #237 | #788 |
| Latest closei | $50.35 | $15.35 |
| 1M returni | -7.90% | -8.36% |
| 3M returni | -15.19% | -17.30% |
| 6M returni | +1.68% | -7.36% |
| 1Y returni | +17.31% | -5.31% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FITB | HBAN |
|---|---|---|
| 1Y ago | $12.48K (+24.8%) started 2025-10-16 | $9.99K (-0.1%) started 2025-10-16 |
| 5Y ago | $15.19K (+51.9%) started 2021-10-18 | $13.37K (+33.7%) started 2021-10-18 |
| 10Y ago | $49.22K (+392.2%) started 2016-10-17 | $35.13K (+251.3%) started 2016-10-17 |
Hypothetical — past performance does not guarantee future results.
| Metric | FITB | HBAN |
|---|---|---|
| Market capi | $49.46B | $34.19B |
| Trailing P/Ei | 18.36 | 13.02 |
| Forward P/Ei | 11.04 | 9.01 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 6.72 | 4.70 |
| Analyst targeti | $62.90 | $20.30 |
| Target upsidei | +15.33% | +19.98% |
| Metric | FITB | HBAN |
|---|---|---|
| Revenue growthi | 51.80% | 47.60% |
| Earnings growthi | -5.70% | -2.90% |
| EPS growthi | -5.70% | -2.90% |
| FCF margini | N/A | N/A |
| Operating margini | 39.08% | 41.93% |
| Profit margini | 23.24% | 26.13% |
| ROIC proxyi | 8.44% | 9.00% |
| Return on equityi | 8.44% | 9.00% |
| Dividend yieldi | 2.93% | 3.66% |
| Payout ratioi | 53.87% | 47.69% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.92 | 0.95 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, FITB and HBAN have moved strongly in the same direction (correlation of 0.88), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | FITB | HBAN |
|---|---|---|---|
| 1Y | Growthi | +24.75% | -0.13% |
| CAGRi | +24.79% | -0.13% | |
| Volatilityi | 25.02% | 25.93% | |
| Sharpe ratioi | 0.83 | -0.05 | |
| Sortino ratioi | 1.21 | -0.06 | |
| Max drawdowni | 21.21% | 22.06% | |
| Current drawdowni | 15.19% | 20.34% | |
| Avg drawdowni | 6.34% | 10.16% | |
| Ulcer Indexi | 8.51% | 12.22% | |
| Max daily dropi | 5.43% | 6.02% | |
| Max wkly dropi | 10.47% | 10.43% | |
| 5Y | Growthi | +31.21% | +11.76% |
| CAGRi | +5.59% | +2.25% | |
| Volatilityi | 31.39% | 31.17% | |
| Sharpe ratioi | 0.19 | 0.08 | |
| Sortino ratioi | 0.27 | 0.12 | |
| Max drawdowni | 51.68% | 44.17% | |
| Current drawdowni | 15.19% | 20.34% | |
| Avg drawdowni | 19.55% | 15.75% | |
| Ulcer Indexi | 24.20% | 18.80% | |
| Max daily dropi | 13.57% | 16.83% | |
| Max wkly dropi | 27.41% | 26.75% | |
| 10Y | Growthi | +247.42% | +127.97% |
| CAGRi | +13.27% | +8.59% | |
| Volatilityi | 36.11% | 34.25% | |
| Sharpe ratioi | 0.40 | 0.28 | |
| Sortino ratioi | 0.58 | 0.40 | |
| Max drawdowni | 64.06% | 54.98% | |
| Current drawdowni | 15.19% | 20.34% | |
| Avg drawdowni | 16.67% | 14.16% | |
| Ulcer Indexi | 21.57% | 18.13% | |
| Max daily dropi | 21.78% | 16.83% | |
| Max wkly dropi | 33.92% | 28.86% |
| Category | FITB | HBAN |
|---|---|---|
| Company | Fifth Third Bancorp | Huntington Bancshares Incorporated |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | Midwest regional bank headquartered in Cincinnati serving consumers, small businesses, and commercial customers across 11 states through retail banking, commercial lending, wealth management, and payment services. | Regional bank headquartered in Columbus, Ohio serving the Midwest through consumer and commercial banking, auto lending, and business banking including agriculture, healthcare, and technology verticals. |
| Investor focus | Net interest margin trajectory, fee revenue growth from payments and wealth management, credit quality, expense management, and capital return through dividends and buybacks. | Loan growth in auto and commercial segments, deposit cost management, net interest income trajectory, credit quality, and capital returns to shareholders. |
- Strong commercial banking franchise with diversified revenue across lending, wealth, and payments
- Consistent dividend growth with solid capital ratios and shareholder return history
- Fee-based revenue from treasury management and payment services provides income independent of rate cycles
- Dominant Midwest presence with strong consumer deposit franchise and auto lending expertise
- Auto lending is a differentiated revenue driver with deep dealership relationships
- Conservative credit culture has historically resulted in manageable loss rates through economic cycles
- Net interest margin sensitivity to Fed rate changes affects earnings meaningfully
- Credit quality in commercial real estate and consumer lending bears watching in a slower economy
- Midwest-focused footprint limits geographic diversification vs larger super-regionals
- Auto lending concentration adds cyclicality when vehicle prices or credit conditions deteriorate
- NIM pressure in rising or falling rate environments can compress earnings meaningfully
- Geographic concentration in Ohio and Midwest states limits exposure to faster-growing Sun Belt markets
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