Huntington Bancshares Incorporated vs Upstart Holdings Inc — how do they compare? Huntington Bancshares Incorporated trades at $17.77 (market cap $35.93B), while Upstart Holdings Inc trades at $29.93 (market cap $2.91B). The key difference: Huntington Bancshares Incorporated is far larger — about 12.3× Upstart Holdings Inc's market cap, and Huntington Bancshares Incorporated pays a 3.49% dividend while Upstart Holdings Inc pays none. Which is the better fit depends on your goals.
| HBAN | UPST | |
|---|---|---|
Market Cap | $35.93B | $2.91B |
Sector | Financials | Financials |
52-Week High | $19.27 | $73.76 |
52-Week Low | $15.02 | $24.22 |
Dividend Yield | 3.49% | — |
Signals from Pluang's Aura AI — not financial advice
HBAN trades at $17.85, up 1.42% today, with a bullish technical signal from moving averages and a consensus price target of $19.78. Recent Q2 2026 earnings matched estimates, with revenue growth and net interest income rising year-over-year. The company targets an 18-19% ROTCE by 2027, supported by efficiency gains and capital returns. However, rising deposit costs and mixed quarterly EPS results present near-term challenges.
The outlook for HBAN is cautiously optimistic, with potential upside from strategic growth initiatives and a reasonable P/E of 13.68. Risks include margin pressure from higher funding costs and volatile earnings performance. Analyst sentiment is balanced, with 44.68% buy ratings, but investors should monitor expense management and loan growth sustainability.
Upstart trades at $29.23, down 3.24% today, with a bearish technical signal despite recent Q2 2026 earnings beat showing 42% revenue growth and return to GAAP profitability. The stock faces valuation compression concerns with a P/E of 57.48, while analyst consensus remains divided with a $47.20 price target suggesting significant upside potential from current levels.
The outlook balances strong AI-driven loan origination growth against persistent earnings misses and negative cash flow from operations. Key risks include high short interest at 27% and sensitivity to interest rate environment, though institutional sentiment appears cautiously optimistic given the 45% buy rating distribution.
Trailing returns across standard periods
Huntington Bancshares is a regional bank holding company headquartered in Columbus, Ohio. The bank has a network of branches and ATMs across eight Midwestern states. Founded in 1866, Huntington National Bank and its affiliates provide consumer, small-business, commercial, treasury management, wealth management, brokerage, trust, and insurance services. Huntington also provides auto dealer, equipment finance, national settlement, and capital market services that extend beyond its core states.
Read more on HBAN →Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The revenue of the company is primarily comprised of fees paid by banks.
Read more on UPST →