01—Abstract
Summary
Summary of the 8-K filed June 11, 2025. Cited figures are marked; the original filing is the authoritative source.
Huntington Bancshares Incorporated (HBAN) filed a Form 8-K on June 11, 2025 under Item 7.01 (Regulation FD Disclosure) to furnish presentation slides for Chief Financial Officer Zach Wasserman's appearance at the 2025 Morgan Stanley US Financials Conference that day.
The filing itself contains no new earnings figures, guidance, or narrative results; the substantive content is in Exhibit 99.1, the slide deck, which the company says is also available on its Investor Relations website. The information is furnished rather than filed, so it is not subject to Section 18 liabilities. The slides present management's key messages: delivering organic growth with momentum supported by a purposefully diversified customer base, driving robust profit growth tied to an expanded net interest margin, higher fee revenues and efficient expense management, and achieving strong credit performance under a moderate-to-low risk appetite.
The deck also highlights peer-leading organic growth in average deposits and loans, a 2025 net interest income outlook, a loan mix of 57%a commercial and 43% consumer, tangible book value per share up 13% year over year, and a 2025 management focus on accelerated TBV accretion. Growth initiatives are described across several states, including North Carolina, Texas, South Carolina and Florida.
For investors, the 8-K itself is a routine conference disclosure. The slides include a non-GAAP reconciliation of adjusted noninterest income and adjusted CET1 for fiscal 2021 through the first quarter of 2025, but the numerical detail in those tables is not reproduced in the filing text, so the quantitative picture should be read directly from the slides.
02—Key points
Key Highlights
- Filing type: Form 8-K, Item 7.01 (Regulation FD Disclosure), furnished for the 2025 Morgan Stanley US Financials Conference on June 11, 2025.
- Presenter: Zach Wasserman, Chief Financial Officer, scheduled to present to analysts and investors.
- Management's key messages: organic growth momentum, robust profit growth from an expanded net interest margin and higher fee revenues, and strong credit performance.
- Balance sheet and growth: peer-leading organic growth in average deposits and loans, with 2025 net interest income outlook highlighted.
- Loan mix: commercial 57% and consumer 43% of total loans.
- Capital: tangible book value per share up 13% year over year, with a 2025 focus on accelerated TBV accretion.
- Non-GAAP reconciliations for adjusted noninterest income and adjusted CET1 are included in the slides, covering FY21 through 1Q25.
03—Questions
Frequently Asked Questions
Did Huntington report new financial results in this 8-K?
No. The filing furnishes presentation slides for a conference appearance under Item 7.01 and does not itself report new earnings, guidance or financial statements. The substantive content is in Exhibit 99.1, the slide deck.
Who presented at the conference and when?
Zach Wasserman, Chief Financial Officer, was scheduled to present at the 2025 Morgan Stanley US Financials Conference on Wednesday, June 11, 2025.
What are management's main messages in the presentation?
Management emphasized sustained organic growth supported by a diversified customer base, robust profit growth driven by a wider net interest margin, higher fee revenues and efficient expenses, and strong credit performance aligned with a moderate-to-low risk appetite. It also stressed positioning to outperform across a range of economic scenarios with leading liquidity coverage, robust capital and reserves.
How is the loan portfolio composed?
According to the slides, commercial loans make up 57% of total loans and consumer loans make up 43%.
Where can investors access the presentation?
The slides are attached as Exhibit 99.1 to the 8-K and will also be available in the Investor Relations section of Huntington's website at www.huntington.com.
04—Continue