Huntington Bancshares Incorporated (HBAN) has just reported earnings, and the Street is sending shares down some 5% at the time of this writing. The stock has been volatile, and the earnings results this year have been volatile as well. That said, this powerful regional bank did have a record 2019. However, Q4 saw declines from a year ago, in large part due to lower interest rates. The bank, along with many investors, entered the year expecting multiple interest rate increases, but instead was impacted by multiple interest rate reductions. There also were elevated levels