Huntington Bancshares (HBAN) Research

Forward Estimates

EPS Estimates

Current Qtr

$0.36

$0.32$0.41

vs $0.34+5.5%

14 analysts

Next Qtr

$0.39

$0.36$0.42

vs $0.41-4.6%

14 analysts

Current Yr

$1.46

$1.30$1.63

vs $1.39+5.0%

16 analysts

Next Yr

$1.89

$1.63$1.95

vs $1.46+29.6%

16 analysts

Revenue Estimates

Current Qtr

$2.85B

$2.83B$2.88B

vs $1.95B+46.0%

7 analysts

Next Qtr

$2.93B

$2.90B$2.96B

vs $2.15B+36.4%

7 analysts

Current Yr

$11.36B

$11.28B$11.42B

vs $8.23B+38.0%

8 analysts

Next Yr

$12.31B

$12.08B$12.46B

vs $11.36B+8.4%

8 analysts

SEC filings →

View all 10-K, 10-Q, and 8-K filings for HBAN on EDGAR.

HBAN filing events and research context
Filed	Item	Context
Apr 30, 2026	mda_quarterly	Huntington Bancshares’ first-quarter 2026 results were primarily shaped by the recent acquisitions of Veritex and Cadence Bank. Net income attributable to Huntington was $523 million ($0.25 per diluted share), a slight year-over-year decline driven by $263 million in acquisition-related expenses. Despite this, net interest income rose 33% to $1.89 billion, supported by a 14 basis point increase in FTE net interest margin to 3.24% and a 27% expansion in average earning assets. Total assets reached $285.4 billion, a 27% increase from the prior year, largely due to the $8.3 billion Cadence transaction. Credit risk management remains a focus as nonperforming assets (NPAs) rose 44% to $1.4 billion, primarily due to assumed Cadence assets, and the provision for credit losses increased 37% to $158 million. Commercial real estate (CRE) exposure grew 60% to $24.3 billion, with management monitoring office loan risks and business banking defaults. The Allowance for Credit Losses (ACL) stands at $3.4 billion. The company’s balance sheet remains asset-sensitive, and management continues to monitor macroeconomic uncertainties, including geopolitical instability and potential shifts in the federal funds rate.
Feb 13, 2026	business	Huntington Bancshares Incorporated operates as a regional bank with a moderate-to-low risk appetite, focusing on small and mid-sized businesses and community development, highlighted by its exceeded $40 billion Community Plan. The company faces immediate regulatory costs via FDIC special assessments to recoup losses from the 2023 failures of Silicon Valley Bank and Signature Bank. Revenue risks include proposed Federal Reserve rulemaking to lower maximum debit interchange fees under Regulation II. Huntington is subject to CFPB and state consumer protection oversight, though a recent Congressional Review Act resolution overturned a CFPB rule regarding overdraft fees. The bank maintains an "Outstanding" CRA rating while navigating shifting CRA regulatory frameworks. Governance is overseen by a 12-member Board, which recently integrated three directors following the Cadence acquisition. Operationally, the bank employs approximately 20,424 full-time equivalents, utilizing a "people-first" human capital strategy that includes a $21 minimum hourly wage. Environmental initiatives focus on renewable energy financing and the management of climate-related credit risks.
Feb 13, 2026	mda	Huntington Bancshares focuses on expanding its Midwest regional footprint, leveraging its commercial lending and consumer banking platforms to drive growth. Financial performance is currently centered on managing net interest margin volatility resulting from Federal Reserve rate hikes and rising deposit betas, which have increased the cost of funding. The company maintains a disciplined approach to credit risk, specifically monitoring commercial real estate (CRE) and commercial and industrial (C&I) portfolios while adjusting allowances for credit losses to reflect macroeconomic uncertainty. Liquidity remains robust, supported by a diversified deposit base and access to Federal Home Loan Bank (FHLB) funding. Capital adequacy is maintained through strong Common Equity Tier 1 (CET1) ratios, ensuring resilience against market shocks. Strategic initiatives include the "Fair Shake" banking philosophy to improve customer acquisition and the integration of acquired assets to scale operations. Key risks include interest rate sensitivity, potential credit deterioration in specific commercial sectors, and competitive pressures for deposits within the regional banking landscape.

Filed

Item

Context

Apr 30, 2026

mda_quarterly

Huntington Bancshares’ first-quarter 2026 results were primarily shaped by the recent acquisitions of Veritex and Cadence Bank. Net income attributable to Huntington was $523 million ($0.25 per diluted share), a slight year-over-year decline driven by $263 million in acquisition-related expenses. Despite this, net interest income rose 33% to $1.89 billion, supported by a 14 basis point increase in FTE net interest margin to 3.24% and a 27% expansion in average earning assets. Total assets reached $285.4 billion, a 27% increase from the prior year, largely due to the $8.3 billion Cadence transaction. Credit risk management remains a focus as nonperforming assets (NPAs) rose 44% to $1.4 billion, primarily due to assumed Cadence assets, and the provision for credit losses increased 37% to $158 million. Commercial real estate (CRE) exposure grew 60% to $24.3 billion, with management monitoring office loan risks and business banking defaults. The Allowance for Credit Losses (ACL) stands at $3.4 billion. The company’s balance sheet remains asset-sensitive, and management continues to monitor macroeconomic uncertainties, including geopolitical instability and potential shifts in the federal funds rate.

Feb 13, 2026

business

Huntington Bancshares Incorporated operates as a regional bank with a moderate-to-low risk appetite, focusing on small and mid-sized businesses and community development, highlighted by its exceeded $40 billion Community Plan. The company faces immediate regulatory costs via FDIC special assessments to recoup losses from the 2023 failures of Silicon Valley Bank and Signature Bank. Revenue risks include proposed Federal Reserve rulemaking to lower maximum debit interchange fees under Regulation II. Huntington is subject to CFPB and state consumer protection oversight, though a recent Congressional Review Act resolution overturned a CFPB rule regarding overdraft fees. The bank maintains an "Outstanding" CRA rating while navigating shifting CRA regulatory frameworks. Governance is overseen by a 12-member Board, which recently integrated three directors following the Cadence acquisition. Operationally, the bank employs approximately 20,424 full-time equivalents, utilizing a "people-first" human capital strategy that includes a $21 minimum hourly wage. Environmental initiatives focus on renewable energy financing and the management of climate-related credit risks.

Feb 13, 2026

mda

Huntington Bancshares focuses on expanding its Midwest regional footprint, leveraging its commercial lending and consumer banking platforms to drive growth. Financial performance is currently centered on managing net interest margin volatility resulting from Federal Reserve rate hikes and rising deposit betas, which have increased the cost of funding. The company maintains a disciplined approach to credit risk, specifically monitoring commercial real estate (CRE) and commercial and industrial (C&I) portfolios while adjusting allowances for credit losses to reflect macroeconomic uncertainty. Liquidity remains robust, supported by a diversified deposit base and access to Federal Home Loan Bank (FHLB) funding. Capital adequacy is maintained through strong Common Equity Tier 1 (CET1) ratios, ensuring resilience against market shocks. Strategic initiatives include the "Fair Shake" banking philosophy to improve customer acquisition and the integration of acquired assets to scale operations. Key risks include interest rate sensitivity, potential credit deterioration in specific commercial sectors, and competitive pressures for deposits within the regional banking landscape.

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HBAN filing events and research context

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