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 (+30.67% vs +3.11%), though HBAN has the better forward P/E setup (9.39x vs 11.60x for FITB). HBAN leads on both revenue growth (33.60%) and operating margin (40.70%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for HBAN (+14.44%) than for FITB (+6.54%).
- →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 score | 54.0 | 52.3 |
| AI rank | #317 | #376 |
| Latest close | $57.18 | $17.93 |
| 1M return | +4.48% | +2.34% |
| 6M return | +16.05% | -1.70% |
| 1Y return | +30.67% | +3.11% |
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 | $13.07K (+30.7%) started 2025-07-14 | $10.5K (+5.0%) started 2025-07-14 |
| 5Y ago | $20.63K (+106.3%) started 2021-07-14 | $18.34K (+83.4%) started 2021-07-14 |
| 10Y ago | $60.24K (+502.4%) started 2016-07-14 | $43.7K (+337.0%) started 2016-07-14 |
Hypothetical — past performance does not guarantee future results.
| Metric | FITB | HBAN |
|---|---|---|
| Market cap | $51.72B | $36.22B |
| Trailing P/E | 19.22 | 13.75 |
| Forward P/E | 11.60 | 9.39 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 7.60 | 5.17 |
| Analyst target | $60.80 | $20.45 |
| Target upside | +6.54% | +14.44% |
| Metric | FITB | HBAN |
|---|---|---|
| Revenue growth | 33.00% | 33.60% |
| Earnings growth | -78.90% | -26.50% |
| EPS growth | -78.90% | -26.50% |
| FCF margin | N/A | N/A |
| Operating margin | 7.95% | 40.70% |
| Profit margin | 24.13% | 26.60% |
| ROIC proxy | 7.97% | 8.39% |
| Return on equity | 7.97% | 8.39% |
| Dividend yield | 2.83% | 3.47% |
| Beta | 0.92 | 0.95 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
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 | Growth | +30.70% | +5.04% |
| CAGR | +30.84% | +5.06% | |
| Sharpe ratio | 0.99 | 0.15 | |
| Max drawdown | 21.21% | 22.06% | |
| Max daily drop | 5.96% | 6.02% | |
| Max wkly drop | 10.47% | 10.43% | |
| 5Y | Growth | +76.82% | +51.49% |
| CAGR | +12.08% | +8.67% | |
| Sharpe ratio | 0.38 | 0.28 | |
| Max drawdown | 51.68% | 44.17% | |
| Max daily drop | 13.57% | 16.83% | |
| Max wkly drop | 27.41% | 26.75% | |
| 10Y | Growth | +321.58% | +180.70% |
| CAGR | +15.48% | +10.88% | |
| Sharpe ratio | 0.46 | 0.34 | |
| Max drawdown | 64.06% | 54.98% | |
| Max daily drop | 21.78% | 16.83% | |
| Max wkly drop | 33.92% | 28.86% |
| Category | FITB | HBAN |
|---|---|---|
| Company | Fifth Third Bancorp | Huntington Bancshares Incorporated |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| 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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