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Huntington Bancshares Incorporated (HBANP) is a diversified regional bank holding company headquartered in Columbus, Ohio. Established in 1866, the company provides a wide range of commercial and consumer banking and financial services across multiple states. Its offerings include deposit accounts, lending solutions, wealth management, and insurance services tailored to meet the needs of individuals and businesses.
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Consumer & Regional Banking - Provides full-service consumer banking solutions, including deposit products, lending, mortgage banking, payments, and wealth management services. Also offers investment management, trust, brokerage, and insurance services.
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Commercial Banking - Delivers financial services to businesses, including commercial and industrial loans, commercial real estate loans, lease financing, capital markets, advisory services, equipment financing, and distribution finance.
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Treasury / Other - Manages technology, operations, and unallocated financial activities, including interest rate risk management through a Funds Transfer Pricing methodology.
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In Q1, you achieved a 37% deposit beta—far exceeding prior guidance; how sustainable is this performance if competitive pressures force further rate concessions, and what specific adjustments are you planning if market conditions change?
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You mentioned that the new initiative loan yields are coming in line with overall production yields without aggressive pricing; can you provide detailed metrics on these yields versus traditional portfolios and explain how they will support your margin expansion strategy?
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With a $1 billion buyback authorization and a history of prioritizing growth investments, under which specific market conditions would you shift capital allocation toward buybacks, and what impact would that have on your liquidity and capital ratios?
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Given your hedging program delivered a 4 basis point benefit in Q1 and is expected to remain neutrally positioned for the rest of the year, what contingency measures are in place if unexpected rate volatility forces you to adjust your hedging strategy mid-year?
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Your quantitative CECL model incorporates multiple economic scenarios; how sensitive are your reserve levels to a sharper-than-expected economic downturn, and what preemptive actions will you take if these downside risks begin to materialize more aggressively?
Recent press releases and 8-K filings for HBANP.
- Dividend Announcement: The Board of Directors declared a quarterly cash dividend of $0.155 per common share (payable July 1, 2025, with a record date of June 17, 2025) along with cash dividends on five series of preferred stock, including a $11.25 per share dividend on its Series H preferred (equivalent to $0.28125 per depositary share).
- Analyst Contact: For further inquiries, Analyst Tim Sedabres is available at 952.745.2766 and via email at [email protected].