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 4 of 5 key metrics in this comparison. RF has delivered stronger 1-year price return (+32.87% vs +8.91%), though HBAN trades at the lower forward P/E (9.25x vs 10.26x). 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 (+13.52%) than for RF (+4.99%).
- →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 score | 49.1 | 52.2 |
| AI rank | #526 | #338 |
| Latest close | $28.62 | $16.86 |
| 1M return | +6.63% | +9.06% |
| 6M return | +3.81% | -5.01% |
| 1Y return | +32.87% | +8.91% |
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 | $13.03K (+30.3%) started 2025-06-18 | $10.72K (+7.2%) started 2025-06-18 |
| 5Y ago | $19.85K (+98.5%) started 2021-06-21 | $17.76K (+77.6%) started 2021-06-21 |
| 10Y ago | $61.27K (+512.7%) started 2016-06-20 | $40.87K (+308.7%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
| Metric | RF | HBAN |
|---|---|---|
| Market cap | $24.98B | $35.52B |
| Trailing P/E | 12.15 | 13.48 |
| Forward P/E | 10.26 | 9.25 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 4.08 | 5.08 |
| Analyst target | $30.73 | $19.89 |
| Target upside | +4.99% | +13.52% |
| Metric | RF | HBAN |
|---|---|---|
| Revenue growth | 7.30% | 33.60% |
| Earnings growth | 21.60% | -26.50% |
| EPS growth | +21.60% | -26.50% |
| FCF margin | N/A | N/A |
| Operating margin | 40.07% | 40.70% |
| Profit margin | 31.00% | 26.60% |
| ROIC proxy | 11.89% | 8.39% |
| Return on equity | 11.89% | 8.39% |
| Dividend yield | 3.62% | 3.54% |
| Beta | 1.03 | 0.97 |
| 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 | RF | HBAN |
|---|---|---|---|
| 1Y | Growth | +30.33% | +7.18% |
| CAGR | +30.38% | +7.19% | |
| Sharpe ratio | 1.02 | 0.23 | |
| Max drawdown | 19.22% | 22.06% | |
| Max daily drop | 5.62% | 6.02% | |
| Max wkly drop | 8.72% | 10.43% | |
| 5Y | Growth | +68.15% | +46.72% |
| CAGR | +10.97% | +7.98% | |
| Sharpe ratio | 0.35 | 0.26 | |
| Max drawdown | 40.99% | 44.17% | |
| Max daily drop | 12.38% | 16.83% | |
| Max wkly drop | 18.38% | 26.75% | |
| 10Y | Growth | +326.20% | +162.53% |
| CAGR | +15.61% | +10.14% | |
| Sharpe ratio | 0.46 | 0.32 | |
| Max drawdown | 60.73% | 54.98% | |
| Max daily drop | 19.34% | 16.83% | |
| Max wkly drop | 31.50% | 28.86% |
| Category | RF | HBAN |
|---|---|---|
| Company | Regions Financial Corporation | Huntington Bancshares Incorporated |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| 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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