Huntington Bancshares Incorporated Reports 2025 Fourth-Quarter Earnings

Rhea-AI Summary

Huntington Bancshares (Nasdaq: HBAN) reported 2025 fourth-quarter net income of $519 million and EPS of $0.30, down 17% QoQ and $0.04 YoY, respectively, inclusive of $130 million pre-tax notable items. Net interest income rose $86 million (6%) QoQ and $197 million (14%) YoY. Average total loans were $146.6 billion (+8% QoQ, +14% YoY) and average deposits rose to support growth. Tangible book value per share was $9.89 (+4% QoQ, +19% YoY). CET1 ratio was 10.4% and tangible common equity ratio was 7.1%. Completed Veritex integration (Jan 19, 2026); Cadence closing anticipated Feb 1, 2026.

Positive

• Net interest income +6% QoQ and +14% YoY
• Average total loans +8% QoQ and +14% YoY
• Tangible book value per share +4% QoQ and +19% YoY
• Tangible common equity ratio 7.1%, up from 6.8% QoQ

Negative

• EPS $0.30, down $0.11 QoQ and $0.04 YoY
• Net income down 17% QoQ to $519 million
• Noninterest income down 7% QoQ to $582 million
• CET1 ratio 10.4%, down from 10.6% QoQ

News Market Reaction

-6.02% 3.3x vol

21 alerts

-6.02% News Effect

-2.2% Trough in 7 hr 33 min

-$1.89B Valuation Impact

$29.56B Market Cap

3.3x Rel. Volume

On the day this news was published, HBAN declined 6.02%, reflecting a notable negative market reaction. Argus tracked a trough of -2.2% from its starting point during tracking. Our momentum scanner triggered 21 alerts that day, indicating elevated trading interest and price volatility. This price movement removed approximately $1.89B from the company's valuation, bringing the market cap to $29.56B at that time. Trading volume was very high at 3.3x the daily average, suggesting heavy selling pressure.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

EPS: $0.30 Adjusted EPS: $0.37 Net income: $519 million +5 more

8 metrics

EPS $0.30 Q4 2025 EPS, down $0.11 QoQ and $0.04 YoY

Adjusted EPS $0.37 Q4 2025 adjusted EPS, down $0.03 QoQ, up $0.03 YoY

Net income $519 million Q4 2025 net income, down 17% QoQ and 2% YoY

Net interest income change $86 million (6%) Increase vs prior quarter; +$197 million (14%) vs year-ago

Avg total loans & leases $146.6 billion Q4 2025 average, up $10.7B QoQ and $18.4B YoY

Avg total deposits Up $8.3 billion Average deposits increased 5% QoQ and 9% YoY

ACL balance $2.7 billion (1.83%) Allowance for credit losses as % of total loans and leases

Tangible book value/share $9.89 Up $0.35 (4%) QoQ and $1.56 (19%) YoY

Market Reality Check

Price: $17.06 Vol: Volume 41,930,734 is 1.9x...

high vol

$17.06 Last Close

Volume Volume 41,930,734 is 1.9x the 20-day average of 22,055,415, indicating elevated interest ahead of earnings. high

Technical HBAN trading above its 200-day MA at 16.35, with price at 18.77 and within 0.74% of its 52-week high.

Peers on Argus

Key regional bank peers like CFG (+5.45%), FITB (+4.78%), RF (+3.21%), FCNCA (+2...

Key regional bank peers like CFG (+5.45%), FITB (+4.78%), RF (+3.21%), FCNCA (+2.75%) and SHG (+2.21%) also showed gains, but the momentum scanner did not flag a coordinated sector move for HBAN.

Historical Context

5 past events · Latest: Jan 14 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 14	Wealth unit milestone	Positive	+1.0%	Linscomb Wealth AUM growth and reference to Cadence–Huntington merger timing.
Jan 06	Merger approvals	Positive	-0.9%	Cadence and Huntington shareholders approve pending merger and stock issuance.
Jan 06	Earnings call notice	Neutral	-0.9%	Announcement of Q4 2025 earnings release and conference call logistics.
Dec 22	Regulatory approval	Positive	-1.1%	OCC grants required approval for Cadence merger with The Huntington National Bank.
Dec 18	Macro survey	Neutral	-0.9%	Capstone middle market survey highlighting inflation and transaction activity.

Pattern Detected

Recent HBAN news around the Cadence merger often saw mixed or negative short-term price reactions, even on constructive regulatory and shareholder milestones.

Recent Company History

Over the past month, HBAN news has focused on the pending Cadence Bank merger and broader market commentary. Regulatory approval and shareholder votes for the merger around Dec 18, 2025 and Jan 6, 2026 coincided with modest share declines, while a Jan 14, 2026 wealth-management anniversary item mentioning the merger saw a mild gain. The current earnings release adds concrete financial performance, including loan and deposit growth, to that strategic M&A narrative.

Market Pulse Summary

The stock moved -6.0% in the session following this news. A negative reaction despite elements of gr...

Analysis

The stock moved -6.0% in the session following this news. A negative reaction despite elements of growth would have contrasted with rising net interest income and expanding tangible book value per share to $9.89. Past merger milestones occasionally saw weak near-term trading, so a selloff could have reflected profit-taking or concern over EPS dilution from notable items rather than pure fundamental deterioration. With the stock already near its 52-week high of 18.91, positioning could have amplified any downside move.

Key Terms

allowance for credit losses (ACL), common equity tier 1 (CET1), tangible common equity (TCE) ratio, return on average tangible common equity (ROTCE), +4 more

8 terms

allowance for credit losses (ACL) financial

"Allowance for credit losses (ACL) of $2.7 billion, or 1.83% of total loans..."

Allowance for credit losses (ACL) is an accounting reserve banks and lenders set aside to cover loans and other receivables that may not be repaid. Think of it as a cushion or rainy-day fund that reduces reported assets to reflect expected losses; when the cushion grows, it can signal rising borrower trouble or more conservative accounting, and when it shrinks, it may boost reported profits and capital. Investors watch ACL to judge a lender’s risk exposure, earnings quality, and capital strength.

common equity tier 1 (CET1) regulatory

"Common Equity Tier 1 (CET1) risk-based capital ratio was 10.4%..."

Common equity tier 1 (CET1) is the core capital of a bank made up of ordinary shares and retained profits that can absorb losses without the bank needing to borrow or cut customer services. Investors watch CET1 as a safety cushion indicator: higher CET1 means a bank is better able to withstand bad losses and maintain payouts, while a falling CET1 can signal higher risk or the need for new capital.

tangible common equity (TCE) ratio financial

"Tangible common equity (TCE) ratio of 7.1%, up from 6.8%..."

Tangible common equity (TCE) ratio measures how much real, loss‑absorbing capital common shareholders have compared with a company’s tangible assets — that is, assets you could sell for cash after removing intangible items like goodwill and patents and after excluding preferred equity. For investors it’s a straightforward ‘safety cushion’ metric: a higher TCE ratio means more plain‑cash backing per dollar of tangible assets and therefore greater ability to withstand losses and protect common shareholders’ value.

return on average tangible common equity (ROTCE) financial

"return on average tangible common equity (ROTCE) was 12.7%."

Return on average tangible common equity (ROTCE) measures how much profit a company generates for ordinary shareholders relative to the average amount of their tangible capital—equity after removing goodwill and other intangible items. For investors it shows how efficiently the company uses the concrete, balance-sheet value that could realistically back future dividends or growth, similar to measuring how well a baker turns physical ingredients into loaves rather than valuing the shop’s brand name.

form 8-k regulatory

"The financial results will be furnished on a Form 8-K that will be available..."

A Form 8-K is a report that companies file with the government to share important news quickly, such as changes in leadership, major business deals, or financial updates. It matters because it helps investors stay informed about significant events that could affect the company's value or stock price.

federal deposit insurance corporation ("fdic") regulatory

"such as Federal Deposit Insurance Corporation ("FDIC") special assessments..."

An independent U.S. agency that guarantees customer deposits at member banks up to a set limit, acting like a safety net for savers if a bank fails. It matters to investors because that guarantee helps prevent bank runs, supports overall confidence in the financial system, and can influence the market value and risk profile of banks and related financial instruments when the agency intervenes or changes coverage rules.

dodd-frank wall street reform and consumer protection act regulatory

"including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act..."

A federal law that reshaped how banks, lenders and financial firms are regulated by creating clearer rules, stronger oversight, and a new agency to protect consumers; think of it as updated rules and referees for the financial system to reduce the chance of big failures and abusive practices. Investors care because it changes how firms take risks, how much capital they must hold, and how transparent their activities are, which affects profits, valuation and the safety of customer deposits.

basel iii regulatory capital reforms regulatory

"and the Basel III regulatory capital reforms, as well as those involving the Securities..."

Basel III regulatory capital reforms are international banking rules that require banks to hold larger and higher-quality financial cushions—like insisting a shop keep more cash in the till and a stronger emergency fund—to absorb losses and stay solvent during stress. For investors, these rules affect a bank’s ability to lend, pay dividends, and take risks: stronger cushions can mean lower short-term profits but lower chances of failure, similar to a business trading some growth for greater safety.

AI-generated analysis. Not financial advice.

Huntington Delivers Outstanding 2025 Results, with Accelerating Organic Growth, Expanded Margin, and
Excellent Credit Performance; Strategic Partnerships Springboard Future Organic Growth

2025 Fourth-Quarter Highlights:

• Earnings per common share (EPS) for the quarter was $0.30, lower by $0.11 from the prior quarter, and $0.04 lower than the year-ago quarter. Excluding the after-tax impact of Notable Items as detailed in Table 2, adjusted EPS, a non-GAAP measure, was $0.37, lower by $0.03 from the prior quarter and higher by $0.03 from the year-ago quarter.
• Closed the partnership with Veritex Holdings, Inc. ("Veritex"); completed integration on January 19, 2026.
• Net interest income increased $86 million, or 6%, from the prior quarter, and $197 million, or 14%, from the year-ago quarter.
• Noninterest income decreased $46 million, or 7%, from the prior quarter, to $582 million. From the year-ago quarter, noninterest income increased $23 million, or 4%. Excluding the prior quarter gain on the sale of a portion of our corporate trust and custody business, the year-ago quarter impact from securities repositioning, and the impact of credit risk transfer transactions, noninterest income decreased $21 million, or 3%, from the prior quarter and increased $5 million, or 1%, from the year-ago quarter.
• Average total loans and leases increased $10.7 billion, or 8%, from the prior quarter to $146.6 billion and increased $18.4 billion, or 14%, from the year-ago quarter, inclusive of the impact of the Veritex acquisition.
  • Average commercial loans grew $9.5 billion, or 12%, from the prior quarter and $15.3 billion, or 21%, from the year-ago quarter.
  • Average consumer loans grew $1.1 billion, or 2%, from the prior quarter and $3.1 billion, or 6%, from the year-ago quarter.
• Average total deposits increased $8.3 billion, or 5%, from the prior quarter and $13.8 billion, or 9%, from the year-ago quarter, inclusive of the impact of the Veritex acquisition.
• Net charge-offs of 0.24% of average total loans and leases for the quarter, 2 basis points higher than the prior quarter and 6 basis points lower than the year ago quarter.
• Nonperforming asset ratio of 0.63% at quarter end, 3 basis points higher than the prior quarter.
• Allowance for credit losses (ACL) of $2.7 billion, or 1.83% of total loans and leases, at quarter end, an increase of $181 million from the prior quarter.
• Common Equity Tier 1 (CET1) risk-based capital ratio was 10.4%, at December 31, 2025, compared to 10.6% in the prior quarter. Adjusted Common Equity Tier 1, including the impact of AOCI excluding cash flow hedges, was 9.2%, unchanged from the prior quarter.
• Tangible common equity (TCE) ratio of 7.1%, up from 6.8% in the prior quarter and 6.1% from a year ago.
• Tangible book value per share of $9.89, up $0.35, or 4%, from the prior quarter and up $1.56, or 19%, from a year ago.
• Announced the partnership with Cadence Bank on October 27, 2025; closing anticipated on February 1, 2026 following recent regulatory and shareholder approvals.

COLUMBUS, Ohio, Jan. 22, 2026 /PRNewswire/ -- Huntington Bancshares Incorporated (Nasdaq: HBAN) reported net income for the 2025 fourth quarter of $519 million, or $0.30 per common share, a decrease of $110 million, or 17%, from the prior quarter, and a decrease of $11 million, or 2%, from the year-ago quarter, inclusive of $130 million of pre-tax notable items in the 2025 fourth quarter, primarily due to acquisition-related expenses. 

Return on average assets was 0.93%, return on average common equity was 8.9%, and return on average tangible common equity (ROTCE) was 12.7%.

CEO Commentary:

"Huntington delivered a strong fourth quarter, capping off an outstanding 2025, powered by focused execution and broad‑based organic growth," said Steve Steinour, chairman, president, and CEO. "We advanced our strategy by expanding national commercial verticals, strengthening payments, wealth, and capital markets capabilities, growing our consumer and regional banking businesses, and accelerating our Carolinas buildout. And our credit quality remains outstanding, consistent with our aggregate moderate-to-low risk profile."

"Today, Huntington is a leading super‑regional bank with meaningful local presence across high‑growth markets, national commercial banking businesses, and a clear path to continued peer‑leading performance. The strategic investments we've made over the past several years position us to accelerate our flywheel of value creation."

"Our recent partnerships with Veritex and Cadence will springboard our growth across Texas and the South, and both integrations are proceeding smoothly. We successfully migrated Veritex to our systems last weekend, and we expect Cadence to close February 1."

"Looking ahead, our focus for 2026 remains on driving strong organic growth. We entered the year with excellent momentum and our backlogs and pipeline are robust. We are very well positioned to deliver exceptional profitability and long‑term value for our customers, colleagues, and shareholders."

The Fourth Quarter 2025 earnings materials, including the detailed earnings press release, quarterly financial supplement, and conference call slide presentation, are available on the Investor Relations section of Huntington's website, http://huntington.com/. In addition, the financial results will be furnished on a Form 8-K that will be available on the Securities and Exchange Commission website at www.sec.gov.

Conference Call / Webcast Information

Huntington's senior management will host an earnings conference call on January 22, 2026, at 9:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington's website, www.huntington.com, or through a dial-in telephone number at (877) 407-8029; Conference ID #13757925. Slides will be available in the Investor Relations section of Huntington's website about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington's website. A telephone replay will be available approximately two hours after the completion of the call through January 30, 2026 at (877) 660-6853 or (201) 612-7415; conference ID #13757925.

Please see the 2025 Fourth Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found on the Investor Relations section of Huntington's website, http://www.huntington.com.

About Huntington

Huntington Bancshares Incorporated is a $225 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.

Caution Regarding Forward-Looking Statements

This communication may contain certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to numerous assumptions, risks, estimates, and uncertainties that are beyond the control of Huntington. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, continue, believe, intend, estimate, plan, trend, objective, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and the Private Securities Litigation Reform Act of 1995.

While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements or historical performance: changes in general economic, political, or industry conditions; deterioration in business and economic conditions, including persistent inflation, supply chain issues or labor shortages; instability in global economic conditions and geopolitical matters, as well as volatility in financial markets; changes in U.S. trade policies, including the imposition of tariffs and retaliatory tariffs; the impact of pandemics and other catastrophic events or disasters on the global economy and financial market conditions and our business, results of operations, and financial condition; the impacts related to or resulting from bank failures and other volatility, including potential increased regulatory requirements and costs, such as Federal Deposit Insurance Corporation ("FDIC") special assessments, long-term debt requirements and heightened capital requirements; potential impacts to macroeconomic conditions, which could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital; unexpected outflows of uninsured deposits which may require us to sell investment securities at a loss; changing interest rates which could negatively impact the value of our portfolio of investment securities; the loss of value of our investment portfolio which could negatively impact market perceptions of us and could lead to deposit withdrawals; the effects of social media on market perceptions of us and banks generally; cybersecurity risks; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Board of Governors of the Federal Reserve System ("Federal Reserve"); volatility and disruptions in global capital, foreign exchange, and credit markets; movements in interest rates; competitive pressures on product pricing and services; success, impact, and timing of our business strategies, including market acceptance of any new products or services including those implementing our "Fair Play" banking philosophy; changes in policies and standards for regulatory review of bank mergers; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the Securities and Exchange Commission ("SEC"), the Office of the Comptroller of the Currency, the Federal Reserve, the FDIC, the Consumer Financial Protection Bureau, and state-level regulators; delays in completing the proposed transaction involving Huntington and Cadence Bank ("Cadence"); the failure to satisfy any of the conditions to the transaction involving Huntington and Cadence on a timely basis or at all; the possibility that the anticipated benefits of recent or proposed acquisitions are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the companies or as a result of the strength of the economy and competitive factors in the areas where the companies do business; and other factors that may affect the future results of Huntington.

All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above. Forward-looking statements speak only as of the date they are made and are based on information available at that time. Huntington does not assume any obligation to update forward-looking statements to reflect actual results, new information or future events, changes in assumptions or changes in circumstances or other factors affecting forward-looking statements that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. If Huntington updates one or more forward-looking statements, no inference should be drawn that Huntington will make additional updates with respect to those or other forward-looking statements. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. See also the other reports filed with the SEC, including discussions under the "Forward-Looking Statements" and "Risk Factors" of Huntington's Annual Report on Form 10-K for the year ended December 31, 2024 and Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025, June 30, 2025, and September 30, 2025, as filed with the SEC and available on its website at www.sec.gov.

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SOURCE Huntington Bancshares Incorporated

FAQ

What were Huntington's reported net income and EPS for Q4 2025 (HBAN)?

Huntington reported net income of $519 million and EPS of $0.30 for Q4 2025.

How did Huntington's net interest income (HBAN) change in Q4 2025?

Net interest income increased by $86 million, or 6%, from the prior quarter.

What loan and deposit growth did HBAN report for Q4 2025?

Average total loans were $146.6 billion (+8% QoQ, +14% YoY); average deposits increased 5% QoQ.

Did Huntington complete any acquisitions or integrations in early 2026 (HBAN)?

Huntington completed the Veritex integration on Jan 19, 2026 and expects Cadence to close on Feb 1, 2026.

How did Huntington's capital metrics look at Dec 31, 2025 (HBAN)?

CET1 ratio was 10.4%, adjusted CET1 9.2% (AOCI excl. cash flow hedges), and tangible common equity ratio was 7.1%.