HBAN Huntington Bancshares margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 72

Gross margin

100%

Operating margin

31.1%

EBITDA margin

38.5%

Net margin

25.3%

Using the latest TTM figures, Huntington Bancshares shows a gross margin of 100%, an operating margin of 31.1%, an EBITDA margin of 38.5%, and a net margin of 25.3%. EBITDA margin led the remaining margin declines with 7 percentage points, while the other margins were unchanged.

HBAN margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Huntington Bancshares recorded average margins of 100% gross, 33.19% operating, 42.75% EBITDA, and 27.14% net. Right now, operating, EBITDA, and net margins are below their three-year averages.

HBAN margin expansion

Year-over-year margin changes in percentage points

Compared with last year, operating margin contracted by 5.3 percentage points, EBITDA margin by 7 percentage points, and net margin by 4.3 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

-5.3pp

EBITDA margin expansion

-7pp

Net margin expansion

-4.3pp

HBAN Gross margin

Reviewing the last 3 years, Huntington Bancshares recorded an average gross margin of 100%. The latest gross margin for Huntington Bancshares is 100%, in line with its three-year average. The highest gross margin for Huntington Bancshares was 100% in Sep 2026, while the lowest was 100% in Dec 2023.

HBAN Operating margin

Over the last 3 years, the average operating margin for Huntington Bancshares was 33.19%. The latest operating margin for Huntington Bancshares is 31.1%, 2.1 percentage points below its three-year average. Huntington Bancshares's operating margin ranged from a low of 29.5% in Sep 2024 to a high of 36.4% in Sep 2025.

HBAN EBITDA margin

Looking at the last 3 years, Huntington Bancshares had an average EBITDA margin of 42.75%. Compared with its three-year average, Huntington Bancshares's current EBITDA margin is 38.5% and is 4.3 percentage points below its three-year average. Looking back over the last 3 years, Huntington Bancshares's EBITDA margin reached 45.5% at its highest point in Sep 2025 and 38.5% at its lowest in Sep 2026.

HBAN Net margin

Across the last 3 years, Huntington Bancshares's net margin came to 27.14%. The current net margin stands at 25.3%, 1.8 percentage points below its three-year average. Net margin was highest at 29.6% in Sep 2025 and lowest at 24.6% in Sep 2024.

HBAN margin group comparison

Margins compared with peer-group, industry and sector averages

Huntington Bancshares's gross margin of 100% is above the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 83.5%, Huntington Bancshares's gross margin is 20% higher.

HBAN margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Huntington Bancshares's gross margin?

For the period ending Sep 30, 2026, HBAN recorded a gross margin of 100%.

What is Huntington Bancshares's operating margin?

For the period ending Sep 30, 2026, HBAN recorded an operating margin of 31.1%.

What is Huntington Bancshares's EBITDA margin?

As of Sep 30, 2026, HBAN has an EBITDA margin of 38.5%.

What is Huntington Bancshares's net margin?

For the period ending Sep 30, 2026, HBAN recorded a net margin of 25.3%.

What are the average margins of HBAN?

Looking back over 3 years, HBAN recorded average margins of 100.0% gross, 33.2% operating, 42.8% EBITDA, and 27.1% net.

What are the highest historical margins of HBAN?

Across the 5-year period, HBAN posted its highest margins at 100% gross in Sep 2026, 41.2% operating in Jun 2023, 49.7% EBITDA in Sep 2023, and 33.1% net in Jun 2023.

What are the lowest historical margins of HBAN?

Looking back across 5 years, HBAN reached its lowest margins at 100% gross in Dec 2021, 24.7% operating in Mar 2022, 31.7% EBITDA in Mar 2022, and 19.9% net in Mar 2022.