HBAN vs. PNC: Huntington Bancshares vs. PNC Financial Services Stock Comparison

November 11, 2026

How do Huntington Bancshares (HBAN) and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) both belong to the Banks industry, though HBAN is classified under Regional Banks while PNC falls under Diversified Banks.

Company profile comparison for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Profile Item	HBAN	PNC
Name	HubSpot Inc.	The PNC Financial Services Group, Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Banks
GICS Industry	Banks	Banks
GICS Sub-Industry	Regional Banks	Diversified Banks
Market Capitalization	31.18 billion USD	89.43 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	March 17, 1980	November 17, 1975
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

HBAN

PNC

GSPC

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for Huntington Bancshares (HBAN) and PNC Financial Services (PNC). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for Huntington Bancshares (HBAN) and PNC Financial Services (PNC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
Total Return (1Y)	5.93%	30.50%
Total Return (3Y, Annualized)	21.12%	29.46%
Total Return (5Y, Annualized)	4.70%	6.26%

Risk Profile

Drawdown History

HBAN

PNC

GSPC

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for Huntington Bancshares (HBAN) and PNC Financial Services (PNC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
Volatility (1Y, Annualized)	26.06%	21.60%
Beta (5Y)	0.95	0.90
Max Drawdown (5Y)	-44.17%	-47.98%
Avg. Volume (3M)	24.74M	1.77M

Risk-Adjusted Performance

Risk-Return Positioning

HBAN and PNC are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
Sharpe Ratio (1Y)	0.06	1.21
Sortino Ratio (1Y)	0.09	1.77

Profitability

ROE (TTM)

PNC Financial Services (PNC) at 13.10% 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%

PNC

Banks industry group

13.10%

Max: 19.84%
Q3: 13.67%
PNC: 13.10%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

PNC Financial Services (PNC) at 31.68% 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%

PNC

Banks industry group

31.68%

Max: 47.19%
Q3: 35.25%
PNC: 31.68%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Huntington Bancshares (HBAN) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
ROE (TTM)	9.19%	13.10%
ROA (TTM)	1.01%	1.33%
Net Margin (TTM)	25.37%	31.68%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Huntington Bancshares (HBAN) at 10.22% and PNC Financial Services (PNC) at 10.90% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Huntington Bancshares (HBAN) at 13.93% and PNC Financial Services (PNC) at 20.74% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
Revenue Growth (YoY)	10.22%	10.90%
Revenue Growth (3Y CAGR)	3.88%	3.01%
EPS Growth (YoY)	13.93%	20.74%
EPS Growth (3Y CAGR)	-1.40%	6.20%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Huntington Bancshares (HBAN) in Banks and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) 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

Financial strength metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
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 PNC Financial Services (PNC) at 3.13% 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%

PNC

Banks industry group

3.13%

Max: 5.79%
Q3: 3.18%
PNC: 3.13%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

PNC Financial Services (PNC) at 37.81% 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%

PNC

Banks industry group

37.81%

Max: 70.75%
Q3: 41.28%
PNC: 37.81%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
Dividend Yield (TTM)	3.97%	3.13%
Dividend Payout Ratio (TTM)	50.82%	37.81%

Valuation

P/E Ratio (TTM)

Both Huntington Bancshares (HBAN) at 12.68 and PNC Financial Services (PNC) at 12.00 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

PNC

Banks industry group

12.00

Max: 18.16
Q3: 13.75
PNC: 12.00
Median: 11.81
Q1: 10.64
Min: 6.49

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both Huntington Bancshares (HBAN) in Banks and PNC Financial Services (PNC) 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 looks cheap against book in the lower P/B ratio quartile, while PNC Financial Services (PNC) at 1.59 carries a premium in the upper quartile — a clear price-to-book gap.

HBAN

Banks industry group

1.06

Max: 2.28
Q3: 1.58
Median: 1.32
Q1: 1.10
HBAN: 1.06
Min: 0.59

PNC

Banks industry group

1.59

Max: 2.28
PNC: 1.59
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59

Huntington Bancshares (HBAN) vs. PNC Financial Services (PNC): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for Huntington Bancshares (HBAN) and PNC Financial Services (PNC)
Metric	HBAN	PNC
P/E Ratio (TTM)	12.68	12.00
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.06	1.59
Free Cash Flow Yield (TTM)	--	--