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?
Research analysts who have asked questions during HBANP earnings calls.
David Long
Raymond James Financial, Inc.
1 question for HBANP
Ebrahim Poonawala
Bank of America Securities
1 question for HBANP
John Pancari
Evercore ISI
1 question for HBANP
Jon Arfstrom
RBC Capital Markets
1 question for HBANP
Manan Gosalia
Morgan Stanley
1 question for HBANP
Matthew O'Connor
Deutsche Bank
1 question for HBANP
Recent press releases and 8-K filings for HBANP.
- Huntington Bancshares Incorporated reported net income of $536 million for the 2025 second quarter, with diluted earnings per common share (EPS) of $0.34, which was unchanged from the prior quarter and $0.04 higher than the year-ago quarter.
- Net interest income increased by $41 million, or 3%, from the prior quarter, and by $155 million, or 12%, from the year-ago quarter.
- Average total loans and leases increased $2.3 billion, or 2%, from the prior quarter to $133.2 billion, and average total deposits increased $1.8 billion, or 1%, from the prior quarter to $163.4 billion.
- The company's tangible common equity (TCE) ratio was 6.6% at June 30, 2025, up from 6.3% in the prior quarter, and the Common Equity Tier 1 (CET1) risk-based capital ratio was 10.5%.
- Huntington Bancshares also announced a combination with Veritex Holdings, Inc., which is expected to accelerate its organic growth initiatives in the Texas market.
- Huntington Bancshares Incorporated announced the acquisition of Veritex Holdings, Inc. in an all-stock transaction valued at approximately $1.9 billion, with Veritex shareholders receiving 1.95 shares of Huntington for each Veritex share.
- The acquisition is expected to close in early Q4 2025 and is projected to be modestly accretive to Huntington's earnings per share, neutral to regulatory capital at close, and slightly dilutive to tangible book value per share with payback in approximately one year.
- Huntington also provided preliminary second quarter 2025 results, reporting Earnings per common share (EPS) of $0.34, Net interest income of $1.5 billion, Average loans and leases of $133.2 billion, and Average deposits of $163.4 billion.
- The company's preliminary Q2 2025 results also showed Tangible book value per share of $9.13, an increase of 16% from a year ago.
- 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].