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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Huntington Bancshares
Huntington Bancshares (HBAN) investor relations material
Huntington Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 adjusted EPS was $0.38; FTE net interest income rose 37% YoY, supported by acquisition-led scale and organic growth, while credit quality weakened.
Partner synergies, commercial growth and fee capabilities supported performance; 2027 targets remain EPS of $1.75–$1.83 and ROTCE of 17%–18%.
Growth strategy spans core and expansion markets, with an aggregate moderate-to-low risk appetite.
Financial highlights
FTE net interest income was $2.090B, up 37% YoY; FTE NIM was 3.25%, up 4 bps QoQ and 12 bps YoY.
Noninterest income was $722M, up 15% YoY; adjusted noninterest expense was $1.655B, down $2M QoQ and up 34% YoY.
Diluted EPS was $0.33 GAAP and $0.38 adjusted; net income attributable was $721M. Acquisition-related costs affected reported results.
Average loans declined 0.4% QoQ while period-end loans rose 1.1%; average deposits increased 0.2% QoQ.
FTE total revenue increased 31% YoY to $2.812B; PPNR was $1.040B versus $905M a year earlier.
Outlook and guidance
2027 EPS target remains $1.75–$1.83; 2027 ROTCE target is 17%–18%, with tangible book value per share growth exceeding 10% from 2025.
FY26 guidance included revenue growth of ~34%, noninterest income growth of ~31%, and core expense growth of ~33%; FY26 positive operating leverage expected at 100 bps or greater.
Q4 NIM expected relatively stable and core expenses flat QoQ; Q4 fee revenue estimated at ~$750M.
FY26 net charge-offs expected near the low end of the 25–35 bps range; full-year loan growth remains on track for ~6% organic growth.
Earnings bridge cited ~$150M of incremental Cadence cost synergies and ~$0.14 of core earnings growth from a $1.54 base.
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Latest events from Huntington Bancshares
- FY24 growth outlook improved as Q4 earnings faced margin and swaption pressure.HBAN
Q4 2023 - 2027 EPS guidance lowered amid NIM pressures, but national growth and synergy delivery drive outlook.HBANBarclays 24th Annual Global Financial Services Conference
- Q2 2026 delivered 46% revenue growth, strong earnings, and robust loan and deposit expansion.HBANQ2 2026
- Strong growth outlook driven by investment, expansion, and a focus on culture and efficiency.HBANUBS Financial Services Conference
- Double-digit growth in revenue, EPS, and loans, with strong 2026 outlook and successful integrations.HBANQ4 2025
- Q3 2025 saw double-digit growth, strong capital metrics, and major acquisitions completed.HBANQ3 2025
- Q3 2024 saw profit and revenue growth, strong credit, and robust capital and deposit strength.HBANQ3 2024
- Sequential growth in earnings, loans, and deposits, with strong credit and capital metrics.HBANQ2 2024
- Targets top quartile growth, digital innovation, and disciplined expansion with strong risk management.HBANInvestor Day 2025
Next Huntington Bancshares earnings date
Q4 202615 Jan, 2027
Huntington Bancshares
Next Huntington Bancshares earnings date
Q4 202615 Jan, 2027
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Frequently asked questions
Ohio-Based Regional Bank
Huntington Bancshares Inc. is an American regional bank holding company. It primarily operates through its subsidiary, The Huntington National Bank, a regional bank with over 1000 locations spread across the midwest. The bank's services cater to a wide range of clients, from individuals and small businesses to corporations and other financial institutions. Huntington's offerings encompass traditional banking products like checking and savings accounts, as well as more specialized services such as wealth management, treasury management, and capital market services. It is headquartered in Columbus, Ohio, and its shares are listed on the Nasdaq.
Founded in the 1800s
In 1886 P.W. Huntington founded The Huntington National Bank in Columbus, Ohio. The bank was initially a small, local entity, focusing on serving the financial needs of the community. The company has grown from a small, local bank to a strong regional presence both organically as well as through numerous strategic acquisitions over the years. Today, the company is present in several different states across the Midwest and maintains a strong presence in its home state. Some other banks with a similar regional focus are Comerica, M&T Bank, and Fifth Third.
The Banking Services
The company offers a diverse array of banking operations primarily focused on personal, small business, and commercial banking services. In personal banking, Huntington provides a variety of essential services, including checking and savings accounts, personal loans, and mortgage services.
Small business banking is another important aspect of Huntington's operations. The bank supports small businesses with a range of products such as business checking and savings accounts, business credit cards, and lending services including lines of credit and term loans.
For commercial clients, Huntington's banking services are more extensive, encompassing commercial loans and financing options, treasury management, and other specialized financial services. These services are designed to support the complex needs of businesses, providing solutions for managing cash flow, financing growth, and optimizing financial operations.
Wealth Management Services
Huntington Bancshares Incorporated provides an array of wealth management services tailored to meet the needs of individuals, families, and institutions. Central to these services is private banking, offering high-net-worth clients personalized banking solutions, including specialized accounts and custom credit options. Huntington also offers diverse investment vehicles like stocks, bonds, and mutual funds, as well as retirement planning services.