Huntington Bancshares Incorporated (NASDAQ: HBAN) is a prominent regional bank holding company based in Columbus, Ohio. Founded in 1866, the company operates primarily through its principal subsidiary, The Huntington National Bank. Huntington's business model is centered on traditional relationship banking, offering a full spectrum of financial products and services to consumers, small businesses, and commercial clients.
The company's revenue is primarily generated through net interest income from its robust lending portfolio—which includes commercial and industrial loans, commercial real estate, residential mortgages, and automobile financing—as well as non-interest income from wealth management, capital markets, treasury management, and payment services. Huntington operates a vast network of over 1,000 branches, with a geographic footprint historically concentrated in the Midwest, including Ohio, Michigan, Pennsylvania, Indiana, Illinois, and West Virginia.
Competitively, Huntington distinguishes itself through its customer-centric product innovations, such as its "Asterisk-Free Checking" and "24-Hour Grace" overdraft fee relief. Furthermore, the bank holds a dominant position in small business lending, consistently ranking as the nation's largest originator of Small Business Administration (SBA) 7(a) loans by volume. Through strategic acquisitions, including the merger with TCF Financial in 2021 and the acquisition of Cadence Bank in late 2025, Huntington has significantly expanded its scale, market share, and geographic reach into high-growth markets like Texas and the Southeast, solidifying its position as a leading regional financial institution in the United States.
