HBAN vs. MTB: Huntington Bancshares vs. M&T Bank Stock Comparison
How do Huntington Bancshares (HBAN) and M&T Bank (MTB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Huntington Bancshares (HBAN) and M&T Bank (MTB) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | HBAN | MTB |
|---|---|---|
| Name | HubSpot Inc. | M&T Bank Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 31.18 billion USD | 31.23 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | HBAN | MTB |
|---|---|---|
| Total Return (1Y) | 5.93% | 24.05% |
| Total Return (3Y, Annualized) | 21.12% | 27.97% |
| Total Return (5Y, Annualized) | 4.70% | 11.15% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Huntington Bancshares (HBAN) is heavily traded at around 24.74M shares per day, whereas M&T Bank (MTB) sees a more moderate 979.16K — larger orders in the latter may require more patience and tighter control over order sizing.
| Metric | HBAN | MTB |
|---|---|---|
| Volatility (1Y, Annualized) | 26.06% | 21.48% |
| Beta (5Y) | 0.95 | 0.63 |
| Max Drawdown (5Y) | -44.17% | -40.71% |
| Avg. Volume (3M) | 24.74M | 979.16K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | HBAN | MTB |
|---|---|---|
| Sharpe Ratio (1Y) | 0.06 | 0.92 |
| Sortino Ratio (1Y) | 0.09 | 1.36 |
Profitability
ROE (TTM)
M&T Bank (MTB) at 10.60% is around its peer norm for ROE, while Huntington Bancshares (HBAN) at 9.19% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
HBAN
Banks industry group
9.19%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- HBAN
- 9.19%
- Min
- 3.64%
MTB
Banks industry group
10.60%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- MTB
- 10.60%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
M&T Bank (MTB) at 31.87% keeps about the industry-typical share of revenue as profit, while Huntington Bancshares (HBAN) at 25.37% retains only a bottom-quartile share.
HBAN
Banks industry group
25.37%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- HBAN
- 25.37%
- Min
- 14.93%
MTB
Banks industry group
31.87%
- Max
- 47.19%
- Q3
- 35.25%
- MTB
- 31.87%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Huntington Bancshares (HBAN) in Banks and M&T Bank (MTB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | HBAN | MTB |
|---|---|---|
| ROE (TTM) | 9.19% | 10.60% |
| ROA (TTM) | 1.01% | 1.40% |
| Net Margin (TTM) | 25.37% | 31.87% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Huntington Bancshares (HBAN) at 10.22% is around its peer norm for revenue growth, while M&T Bank (MTB) at 4.34% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Huntington Bancshares (HBAN) at 13.93% and M&T Bank (MTB) at 16.12% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | HBAN | MTB |
|---|---|---|
| Revenue Growth (YoY) | 10.22% | 4.34% |
| Revenue Growth (3Y CAGR) | 3.88% | 6.33% |
| EPS Growth (YoY) | 13.93% | 16.12% |
| EPS Growth (3Y CAGR) | -1.40% | 13.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Huntington Bancshares (HBAN) in Banks and M&T Bank (MTB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Huntington Bancshares (HBAN) in Banks and M&T Bank (MTB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | HBAN | MTB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Huntington Bancshares (HBAN) at 3.97% delivers top-quartile income for its industry, while M&T Bank (MTB) at 2.73% pays a more typical yield — both are credible income propositions, HBAN the richer one.
HBAN
Banks industry group
3.97%
- Max
- 5.79%
- HBAN
- 3.97%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
MTB
Banks industry group
2.73%
- Max
- 5.79%
- Q3
- 3.18%
- MTB
- 2.73%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
M&T Bank (MTB) at 31.35% pays out a band-typical share of earnings, while Huntington Bancshares (HBAN) at 50.82% distributes more than its industry norm — less retained, thinner cover.
HBAN
Banks industry group
50.82%
- Max
- 70.75%
- HBAN
- 50.82%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
MTB
Banks industry group
31.35%
- Max
- 70.75%
- Q3
- 41.28%
- MTB
- 31.35%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | HBAN | MTB |
|---|---|---|
| Dividend Yield (TTM) | 3.97% | 2.73% |
| Dividend Payout Ratio (TTM) | 50.82% | 31.35% |
Valuation
P/E Ratio (TTM)
Both Huntington Bancshares (HBAN) at 12.68 and M&T Bank (MTB) at 11.38 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
HBAN
Banks industry group
12.68
- Max
- 18.16
- Q3
- 13.75
- HBAN
- 12.68
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
MTB
Banks industry group
11.38
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- MTB
- 11.38
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Huntington Bancshares (HBAN) in Banks and M&T Bank (MTB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Huntington Bancshares (HBAN) at 1.06 sits in the lower P/B ratio quartile against book while M&T Bank (MTB) at 1.24 is valued near its industry’s middle — HBAN is cheaper on assets, though weigh it against ROE and asset quality.
HBAN
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- HBAN
- 1.06
- Min
- 0.59
MTB
Banks industry group
1.24
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- MTB
- 1.24
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | HBAN | MTB |
|---|---|---|
| P/E Ratio (TTM) | 12.68 | 11.38 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.06 | 1.24 |
| Free Cash Flow Yield (TTM) | -- | -- |