RF vs HBAN Stock Comparison: AI Score, Valuation, Performance and Upside
Regions Financial and Huntington Bancshares are similarly sized U.S. regional banks with different geographic bases — Regions in the Southeast and sunbelt, Huntington in the Midwest expanding toward the Southeast. Both are well-run franchises with diversified revenue, but Regions' sunbelt exposure has generally been viewed as providing stronger demographic growth tailwinds.
RF vs HBAN compares two mid-large U.S. regional banks with different geographic exposures: Regions' established sunbelt franchise against Huntington's Midwest-anchored network expanding into growth markets.
HBAN holds the edge across 3 of 5 key metrics in this comparison. RF has delivered stronger 1-year price return (+4.01% vs -11.14%), though HBAN has the better forward P/E setup (9.01x vs 10.67x for RF). HBAN leads on both revenue growth (47.60%) and operating margin (41.93%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for HBAN (+19.98%) than for RF (+8.61%).
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.
- Want exposure to a regional bank with strong presence in fast-growing southeastern and sunbelt markets
- Value Regions' diversified fee revenue from capital markets and wealth management
- See sunbelt demographic trends as a durable tailwind for deposit and loan growth
- Want exposure to a well-run Midwest regional bank with consistent customer-friendly products
- See value in Huntington's geographic expansion into the Southeast as a long-term growth driver
- Value HBAN's track record of prudent credit management and relationship banking
| Metric | RF | HBAN |
|---|---|---|
| AI scorei | 52.2 | 43.8 |
| AI ranki | #406 | #843 |
| Latest closei | $28.50 | $15.88 |
| 1M returni | -6.83% | -7.51% |
| 6M returni | +13.05% | +4.68% |
| 1Y returni | +4.01% | -11.14% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | RF | HBAN |
|---|---|---|
| 1Y ago | $10.4K (+4.0%) started 2025-09-18 | $8.89K (-11.1%) started 2025-09-18 |
| 5Y ago | $20.11K (+101.1%) started 2021-09-20 | $15.53K (+55.3%) started 2021-09-20 |
| 10Y ago | $57.04K (+470.4%) started 2016-09-19 | $36.12K (+261.2%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | RF | HBAN |
|---|---|---|
| Market capi | $25.84B | $34.19B |
| Trailing P/Ei | 12.33 | 13.02 |
| Forward P/Ei | 10.67 | 9.01 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 4.39 | 4.70 |
| Analyst targeti | $32.94 | $20.30 |
| Target upsidei | +8.61% | +19.98% |
| Metric | RF | HBAN |
|---|---|---|
| Revenue growthi | 3.40% | 47.60% |
| Earnings growthi | 8.50% | -2.90% |
| EPS growthi | +8.50% | -2.90% |
| FCF margini | N/A | N/A |
| Operating margini | 39.31% | 41.93% |
| Profit margini | 30.84% | 26.13% |
| ROIC proxyi | 11.87% | 9.00% |
| Return on equityi | 11.87% | 9.00% |
| Dividend yieldi | 3.61% | 3.66% |
| Payout ratioi | 43.09% | 47.69% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.01 | 0.95 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, RF and HBAN have moved strongly in the same direction (correlation of 0.86), 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 | RF | HBAN |
|---|---|---|---|
| 1Y | Growthi | +4.01% | -11.14% |
| CAGRi | +4.02% | -11.14% | |
| Volatilityi | 24.28% | 26.96% | |
| Sharpe ratioi | 0.10 | -0.47 | |
| Sortino ratioi | 0.13 | -0.61 | |
| Max drawdowni | 19.22% | 22.06% | |
| Current drawdowni | 12.04% | 17.59% | |
| Avg drawdowni | 6.96% | 10.36% | |
| Ulcer Indexi | 8.50% | 11.78% | |
| Max daily dropi | 5.62% | 6.02% | |
| Max wkly dropi | 8.72% | 10.43% | |
| 5Y | Growthi | +72.10% | +29.81% |
| CAGRi | +11.48% | +5.36% | |
| Volatilityi | 31.07% | 31.26% | |
| Sharpe ratioi | 0.36 | 0.18 | |
| Sortino ratioi | 0.51 | 0.25 | |
| Max drawdowni | 40.99% | 44.17% | |
| Current drawdowni | 12.04% | 17.59% | |
| Avg drawdowni | 12.78% | 15.44% | |
| Ulcer Indexi | 15.65% | 18.62% | |
| Max daily dropi | 12.38% | 16.83% | |
| Max wkly dropi | 18.38% | 26.75% | |
| 10Y | Growthi | +300.24% | +134.39% |
| CAGRi | +14.88% | +8.89% | |
| Volatilityi | 35.66% | 34.27% | |
| Sharpe ratioi | 0.44 | 0.29 | |
| Sortino ratioi | 0.63 | 0.41 | |
| Max drawdowni | 60.73% | 54.98% | |
| Current drawdowni | 12.04% | 17.59% | |
| Avg drawdowni | 13.78% | 14.01% | |
| Ulcer Indexi | 17.81% | 18.04% | |
| Max daily dropi | 19.34% | 16.83% | |
| Max wkly dropi | 31.50% | 28.86% |
| Category | RF | HBAN |
|---|---|---|
| Company | Regions Financial Corporation | Huntington Bancshares Incorporated |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | Regions Financial is a large U.S. regional bank serving the South, Midwest, and Texas through retail and commercial banking, wealth management, and capital markets, with a broad network of branches across 15 states. | Huntington Bancshares is a large regional bank headquartered in Columbus, Ohio, providing consumer, commercial, and wealth management banking across the Midwest and expanding into the Southeast and other geographies. |
| Investor focus | Investors track Regions' net interest income and margin trends, non-interest fee revenue growth from capital markets and wealth management, credit quality in its commercial and consumer loan portfolios, and capital return. | Investors track Huntington's net interest income trajectory, fee revenue diversification, deposit growth and pricing, and credit quality across its consumer and commercial portfolios. |
- Strong geographic presence in fast-growing southeastern and sunbelt states with favorable demographic and economic tailwinds
- Well-diversified revenue mix including meaningful capital markets and wealth management fee income
- Consistent capital return through dividends and buybacks
- Leading market share in Ohio and strong Midwest franchise with relationship-based banking
- Growing consumer fee products including Huntington's well-regarded 24-Hour Grace overdraft product
- Active geographic expansion into southeastern markets provides long-term growth opportunities
- Southern and sunbelt geographic concentration provides growth tailwinds but also commercial real estate exposure in growing markets
- Net interest income is sensitive to interest rate environment
- Faces competition from larger national banks and other regional banks in its southeastern markets
- Midwest economic exposure has historically been more tied to manufacturing and industrial cycles than southeastern peer Regions
- Geographic expansion into the Southeast requires sustained investment and time to build market position
- Interest rate sensitivity similar to peers creates NIM variability through rate cycles
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