Huntington Bancshares Incorporated Decreases Its Prime Rate To 6.75 Percent

Rhea-AI Summary

Huntington Bancshares (Nasdaq: HBAN) reduced its prime rate from 7.00% to 6.75%, effective December 11, 2025.

The release notes the prior change on October 30, 2025, when the prime rate moved from 7.25% to 7.00%.

Key Figures

New prime rate 6.75% Effective December 11, 2025

Prior prime rate 7.00% Before December 11, 2025 change

Prime rate change from 7.00% to 6.75% Announced December 10, 2025

Previous change from 7.25% to 7.00% Effective October 30, 2025

Earlier rate level 7.25% Before October 30, 2025

Market Reality Check

$17.56 Last Close

Volume Volume 37,498,527 is 35% above the 20-day average of 27,716,804. normal

Technical Shares trade above the 200-day MA of 15.97 and about 2.61% below the 52-week high of 18.03.

Peers on Argus

Key regional bank peers like FCNCA (+4.03%), RF (+2.47%), CFG (+4.24%), and FITB (+4.99%) showed gains, suggesting constructive sector sentiment while HBAN moved only modestly pre‑announcement.

Common Catalyst Multiple regional banks, including Regions Financial and Fifth Third, also announced prime lending rate reductions on the same day, indicating a coordinated response to broader rate changes.

Historical Context

Date	Event	Sentiment	Move	Catalyst
Dec 01	Conference appearance	Neutral	+0.1%	Investor conference presentation on business trends and strategy.
Nov 18	Client financing deal	Neutral	+0.3%	HBAN-led credit facility as part of TPC’s funding package.
Oct 29	Prime rate change	Neutral	+1.1%	Prime rate cut from 7.25% to 7.00% effective October 30.
Oct 27	Major acquisition	Positive	-2.7%	Announcement of $7.4B all‑stock acquisition of Cadence Bank.
Oct 23	Product launch	Positive	+1.3%	Launch of API‑first Treasury Management Connectivity Ecosystem.

Pattern Detected

Over the past several months, HBAN’s operational and product news tended to coincide with modest positive moves, while the large Cadence acquisition announcement drew the only notable negative reaction.

Recent Company History

This announcement follows a series of strategic moves. On Oct 27, 2025, HBAN agreed to acquire Cadence Bank in a $7.4 billion all‑stock deal, targeting a combined $276 billion in assets and $220 billion in deposits, which saw a -2.68% reaction. Subsequent updates focused on technology, such as the treasury connectivity ecosystem launch processing over 10 million daily transactions, and routine items like conference participation and prior prime rate cuts, each with small price changes. Today’s prime-rate move continues that incremental rate-adjustment pattern.

Market Pulse Summary

This announcement details another prime rate reduction, taking Huntington’s benchmark from 7.00% to 6.75% following a prior cut from 7.25% in October. It continues a series of rate adjustments alongside strategic steps like the $7.4 billion Cadence acquisition and technology investments. Investors may watch how ongoing rate shifts affect loan pricing, deposit costs, and integration of the Cadence deal, as well as future updates on balance‑sheet trends and credit quality.

Key Terms

prime rate financial

"announced that its prime rate is decreasing from 7.00 percent to 6.75 percent"

The prime rate is the interest rate banks typically charge their most creditworthy customers for short-term loans and serves as a common baseline for many other interest rates. Think of it as a price tag for borrowing: when the prime rate rises, costs for business loans, mortgages and consumer credit usually go up, which can slow spending, squeeze profits and influence stock prices and interest-sensitive sectors.

AI-generated analysis. Not financial advice.

COLUMBUS, Ohio, Dec. 10, 2025 /PRNewswire/ -- Huntington Bancshares Incorporated (Nasdaq: HBAN) announced that its prime rate is decreasing from 7.00 percent to 6.75 percent, effective December 11, 2025. 

Huntington's rate last changed on October 30, 2025, decreasing from 7.25 percent to 7.00 percent. 

About Huntington 

Huntington Bancshares Incorporated is a $223 billion asset regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, The Huntington National Bank and its affiliates provide consumers, small and middle‐market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Huntington operates more than 1,000 branches in 14 states, with certain businesses operating in extended geographies. Visit Huntington.com for more information. 

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SOURCE Huntington Bancshares Incorporated

FAQ

What change did Huntington Bancshares (HBAN) announce for its prime rate on December 10, 2025?

Huntington announced its prime rate will decrease from 7.00% to 6.75%, effective December 11, 2025.

When did Huntington last change its prime rate before December 11, 2025?

The prior change occurred on October 30, 2025, when the rate decreased from 7.25% to 7.00%.

How does the December 11, 2025 prime rate for HBAN compare to the October 30, 2025 rate?

On December 11, 2025 the prime rate is 6.75%, down from 7.00% on October 30, 2025 and 7.25% prior to that.

What is the effective date of Huntington's new prime rate change announced December 10, 2025?

The new prime rate of 6.75% takes effect on December 11, 2025.

Which ticker should investors reference for Huntington Bancshares' prime rate update on December 10, 2025?

Refer to HBAN (Nasdaq) for Huntington Bancshares' prime rate update announced December 10, 2025.