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Huntington Bancshares (HBAN) investor relations material
Huntington Bancshares M&A Announcement summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.M&A Announcement summary27 Oct, 2025
Deal rationale and strategic fit
Creates a top 10 U.S. bank with a strong presence in high-growth markets, especially Texas and the South, spanning 21 states and covering 56% of the U.S. population.
Cadence's footprint, low-cost deposit base, and specialty verticals complement the combined entity, enhancing commercial offerings and customer relationships.
The combined entity will have $276B in assets, $220B in deposits, and $184B in loans and leases, with significant presence in major MSAs.
Strong cultural alignment and shared values support a smooth integration and long-term partnership, with a customer- and relationship-first philosophy.
Provides a platform for further organic and inorganic growth, investment in digital and community banking, and expansion in 12 of the top 25 MSAs.
Financial terms and conditions
All-stock transaction: Cadence shareholders receive 2.475 Huntington shares per Cadence share, valuing the deal at $7.4 billion.
Pro forma ownership: 77% Huntington, 23% Cadence.
Price/TBVPS: 1.7x; Price/2026E EPS: 11.7x; Price/Synergy Adjusted 2026E EPS: 8.2x.
Implied value of $39.77 per Cadence share based on Huntington’s closing price as of October 24, 2025.
Expected 10% EPS accretion by 2027, 7% dilution to tangible book value per share at close with a 3-year earn-back period.
Synergies and expected cost savings
$365 million in pre-tax cost synergies identified, representing 30% of Cadence's 2027 cash non-interest expense.
75% of synergies expected in 2026, full run rate by 2027.
Cost savings driven by tech platform efficiencies, organizational streamlining, and automation.
Expense synergies expected to drive 18-19% ROTCE by 2027.
Revenue synergies identified but not modeled; high confidence in achieving or exceeding synergy targets.
Key investment areas from synergy plowback?
Integration strategy for multiple acquisitions?
Market expansion: growth vs. established?
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Next Huntington Bancshares earnings date
Q4 202522 Jan, 2026
Next Huntington Bancshares earnings date
Q4 202522 Jan, 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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