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Huntington Bancshares
Huntington Bancshares (HBAN) investor relations material
Huntington Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved 11% revenue growth and 16% adjusted EPS growth for 2025, with 290 basis points of positive operating leverage and strong credit performance.
Demonstrated robust organic growth in loans and deposits, outperforming peer medians year-over-year and quarter-over-quarter.
Strategic investments and partnerships, including Veritex and Cadence, expanded capabilities and geographic reach.
Reported net income for Q4 2025 was $519 million, or $0.30 per share, down from the prior quarter due to $130 million in pre-tax notable items, mainly acquisition-related expenses.
Maintained top-tier credit quality and disciplined risk management throughout the year.
Financial highlights
Net interest income grew 14% year-over-year; net interest margin reached 3.15%.
Adjusted EPS for FY25 was $1.45, up 16% year-over-year; GAAP EPS $1.39, up 14%.
Average loans grew 14.4% year-over-year; excluding Veritex, organic loan growth was 8.6%.
Average deposits increased 8.6% year-over-year; core deposits (excluding Veritex) grew 3.4%.
Tangible book value per share was $9.89, up 19% year-over-year.
Outlook and guidance
FY26 guidance: Net interest income expected to grow 10%-13%, average loans 11%-12%, and average deposits 8%-9% over FY25 baselines.
Fee revenues expected to grow 13%-16%; Cadence to add ~$300 million in fee revenue.
Core expenses to grow 10%-11%, with 150-200 basis points of operating leverage.
Net charge-offs expected between 25-35 basis points, with losses likely at the lower end.
Medium-term targets: 6%-9% PPNR CAGR, 18%-19% ROTCE, and efficiency ratio targeted at 55% for 2026.
Veritex deposit runoff impact on funding costs?
Detail non-Veritex NPA/NAL trends
Capital markets fee outlook given YOY decline?
Future investment priorities beyond 2026
Timeline for realizing revenue synergies from Cadence
M&A appetite after current integrations
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Next Huntington Bancshares earnings date
Q1 202623 Apr, 2026
Huntington Bancshares
Next Huntington Bancshares earnings date
Q1 202623 Apr, 2026
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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.
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