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 (+19.61% vs -4.94%), though HBAN has the better forward P/E setup (9.07x vs 11.10x 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 (+19.20%) than for FITB (+14.74%).
- 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 | 54.6 | 43.2 |
| AI rank | #255 | #815 |
| Latest close | $54.54 | $16.92 |
| 1M return | -3.59% | +0.48% |
| 6M return | +10.25% | +0.71% |
| 1Y return | +19.61% | -4.94% |
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 | $11.92K (+19.2%) started 2025-08-29 | $9.5K (-5.0%) started 2025-08-29 |
| 5Y ago | $19.04K (+90.4%) started 2021-08-30 | $15.86K (+58.6%) started 2021-08-30 |
| 10Y ago | $53.48K (+434.8%) started 2016-08-29 | $39K (+290.0%) started 2016-08-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | FITB | HBAN |
|---|---|---|
| Market cap | $49.72B | $34.41B |
| Trailing P/E | 18.46 | 13.10 |
| Forward P/E | 11.10 | 9.07 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 6.75 | 4.72 |
| Analyst target | $62.90 | $20.30 |
| Target upside | +14.74% | +19.20% |
| Metric | FITB | HBAN |
|---|---|---|
| Revenue growth | 51.80% | 47.60% |
| Earnings growth | -5.70% | -2.90% |
| EPS growth | -5.70% | -2.90% |
| FCF margin | N/A | N/A |
| Operating margin | 39.08% | 41.93% |
| Profit margin | 23.24% | 26.13% |
| ROIC proxy | 8.44% | 9.00% |
| Return on equity | 8.44% | 9.00% |
| Dividend yield | 2.92% | 3.64% |
| 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 | +19.16% | -5.00% |
| CAGR | +19.23% | -5.01% | |
| Sharpe ratio | 0.64 | -0.23 | |
| Max drawdown | 21.21% | 22.06% | |
| Max daily drop | 5.96% | 6.02% | |
| Max wkly drop | 10.47% | 10.43% | |
| 5Y | Growth | +63.20% | +31.05% |
| CAGR | +10.30% | +5.56% | |
| Sharpe ratio | 0.33 | 0.19 | |
| Max drawdown | 51.68% | 44.17% | |
| Max daily drop | 13.57% | 16.83% | |
| Max wkly drop | 27.41% | 26.75% | |
| 10Y | Growth | +274.31% | +150.50% |
| CAGR | +14.11% | +9.62% | |
| Sharpe ratio | 0.42 | 0.31 | |
| 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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