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Huntington Bancshares 8-K Report, Financial Results (Jan 22, 2026)

Reports
Earnings & Results·Exhibits & Filings
Filing Date
Filed January 22, 2026
Period End
January 22, 2026
In the record · 2016–202610-K1110-Q338-K254

HBAN filed 11 annual reports (10-K), 33 quarterly reports (10-Q) and 254 current reports (8-K) between 2016 and 2026.

  1. Deal closed8-K · Aug ’16Aug ’16
  2. Leadership change8-K · Jun ’19Jun ’19
  3. Material agreement8-K · Aug ’21Aug ’21
  4. Leadership change8-K · Apr ’24Apr ’24

01—Abstract

Summary

Summary of the 8-K filed January 22, 2026. Cited figures are marked; the original filing is the authoritative source.

Huntington Bancshares Incorporated reported net income attributable to Huntington of $519 milliona, or $0.30 per diluted common share, for the fourth quarter of 2025, a decrease of $110 million from the prior quarter and $11 million from the year-ago quarter.

Results include $130 millionb of pre-tax notable items, primarily $154 million of acquisition-related expenses, partly offset by a $24 million FDIC DIF special assessment benefit. Adjusted EPS, a non-GAAP measure, was $0.37. Return on average assets was 0.93%, return on average common equity was 8.9%, and return on average tangible common equity was 12.7%.

Growth was driven by the Veritex partnership, which closed October 20, 2025 and was integrated January 19, 2026. Net interest income rose $86 millionc, or 6%, from the prior quarter and $197 million, or 14%, from the year-ago quarter, with net interest margin reaching 3.15%. Average total loans and leases increased 8% from the prior quarter to $146.6 billion and 14% year over year, with average commercial loans up 21% year over year.

Credit metrics were mixed: the net charge-off ratio was 0.24%, but nonperforming assets rose to $945 milliond, a 0.63% ratio, with nonaccrual loans up $123 million from the prior quarter. The CET1 ratio was an estimated 10.4%, down from 10.6%, and the tangible common equity ratio rose to 7.1%. Tangible book value per share reached $9.89.

The filing also highlights the pending partnership with Cadence Bank, with closing anticipated February 1, 2026 following regulatory and shareholder approvals. Management's outlook emphasizes organic growth in 2026, citing strong momentum, robust backlogs, and pipeline.

02—Key points

Key Highlights

  1. Q4 2025 GAAP EPS of $0.30 vs. adjusted EPS of $0.37 (non-GAAP) after $154 million of acquisition-related expenses and a $24 million FDIC DIF special assessment benefit
  2. Net interest income of $1.59 billion, up 6% from the prior quarter and 14% from the year-ago quarter; net interest margin of 3.15%
  3. Average total loans and leases of $146.6 billion, up 8% sequentially and 14% year over year, including the Veritex acquisition; average commercial loans up 21% year over year
  4. Net charge-offs of 0.24% of average loans, 2 basis points higher than the prior quarter; nonperforming asset ratio of 0.63%
  5. Allowance for credit losses of $2.7 billion, or 1.83% of total loans and leases
  6. CET1 ratio estimated at 10.4% versus 10.6% prior quarter; tangible common equity ratio improved to 7.1% from 6.8%
  7. Cadence Bank partnership expected to close February 1, 2026; Veritex integration completed January 19, 2026

03—Questions

Frequently Asked Questions

  1. How did Huntington perform in the fourth quarter of 2025?

    Net income attributable to Huntington was $519 million, or $0.30 per diluted share, down $110 million from the prior quarter and $11 million from the year-ago quarter. Results were reduced by $130 million of pre-tax notable items, primarily acquisition-related expenses. Adjusted EPS was $0.37.

  2. What drove revenue growth?

    Net interest income rose $86 million, or 6%, from the prior quarter and $197 million, or 14%, from the year-ago quarter. Net interest margin increased to 3.15%, with average earning assets up 9% year over year, partly reflecting the Veritex acquisition.

  3. How is credit quality trending?

    Net charge-offs were 0.24% of average loans and leases, down from 0.30% a year earlier but up from 0.22% in the prior quarter. Nonperforming assets rose to $945 million, from $821 million in the prior quarter, driven by commercial and industrial nonaccrual loans, including loans acquired with Veritex. The allowance for credit losses was $2.7 billion, or 1.83% of total loans.

  4. What is the status of the Cadence Bank transaction?

    Huntington announced the partnership with Cadence Bank on October 27, 2025, and anticipates closing on February 1, 2026, following recent regulatory and shareholder approvals.

  5. What is management's outlook for 2026?

    Management said its focus for 2026 is strong organic growth, noting excellent momentum entering the year and robust backlogs and pipeline, and expressed confidence in delivering exceptional profitability and long-term value.

04—Continue

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