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Huntington Bancshares 8-K Report, Regulation FD Disclosure (Mar 10, 2026)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed March 10, 2026
Period End
March 10, 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 March 10, 2026. Cited figures are marked; the original filing is the authoritative source.

Huntington Bancshares Incorporated furnished presentation slides under Item 7.01 (Regulation FD Disclosure) for its participation at the 2026 RBC Global Financial Institutions Conference on March 11, 2026.

Brant Standridge, President of Consumer and Regional Banking, and Zach Wasserman, Chief Financial Officer, are scheduled to present. The slides are furnished, not filed, and are also posted on the Investor Relations section of Huntington's website. The slides describe Huntington as a super regional bank with a Consumer and Regional Banking franchise in 21 states and a national commercial business.

They report FY25 average daily balance loan growth of 13%, average daily balance deposit growth of 18%, and commercial payment revenue growth of 15%. The company states that 1Q26 performance is on track with FY26 guidance, which is unchanged from February 2026. Guidance includes a 4Q26 exit-rate efficiency ratio of about 56% (adjusted below 55%) and a clear glide path to $1.90 to $1.93a EPS in 2027.

The company also cites a 2027 goal of 18% to 19% return on average tangible common shareholders' equity (ROTCE). The presentation attributes near-term earnings growth largely to integration of recent acquisitions, including CADE and VBTX. It lists expense synergies of $365 millionb run-rate by 4Q26 for CADE and $70 million run-rate by 2Q26 for VBTX, and revenue synergies of $300 million or more run-rate by 2028.

FY25 GAAP diluted EPS was $1.39c and adjusted EPS was $1.45, with FY25 ROTCE of 15.7% (16.4% adjusted). Management highlights share repurchases and tangible book value accretion as capital return priorities.

02—Key points

Key Highlights

  1. Huntington furnished presentation slides for the 2026 RBC Global Financial Institutions Conference on March 11, 2026, presented by Brant Standridge and Zach Wasserman.
  2. FY26 guidance is unchanged from February 2026, and 1Q26 performance is described as on track.
  3. FY25 average daily balance growth was 13% for loans and 18% for deposits, with commercial payment revenues up 15%.
  4. The company targets $1.90 to $1.93 EPS in 2027 and a 2027 ROTCE goal of 18% to 19%.
  5. FY25 GAAP diluted EPS was $1.39 and adjusted EPS was $1.45; FY25 ROTCE was 15.7% (16.4% adjusted).
  6. Integration synergies include $365 million run-rate expense savings from CADE by 4Q26, $70 million from VBTX by 2Q26, and $300 million or more in revenue synergies run-rate by 2028.
  7. The slides are furnished under Item 7.01 and are not deemed filed for Section 18 purposes.

03—Questions

Frequently Asked Questions

  1. What did Huntington disclose in this 8-K?

    Huntington furnished presentation slides under Item 7.01 for its appearance at the 2026 RBC Global Financial Institutions Conference on March 11, 2026. The slides are attached as Exhibit 99.1 and are also available on the company's Investor Relations website.

  2. What is Huntington's current earnings outlook?

    The slides state that FY26 guidance is unchanged from February 2026 and that 1Q26 performance is on track. They also present a clear glide path to $1.90 to $1.93 EPS in 2027.

  3. How has Huntington's balance sheet grown recently?

    The slides report FY25 average daily balance growth of 13% for loans and 18% for deposits, with commercial payment revenues up 15%. They also state that FY26 is tracking to loan growth of 11% to 12% and deposit growth of 8% to 9%, excluding Cadence.

  4. What synergies are associated with recent acquisitions?

    The slides cite $365 million run-rate expense savings from CADE by 4Q26 and $70 million from VBTX by 2Q26. They also project revenue synergies of $300 million or more on a run-rate basis by 2028.

  5. How did Huntington's profitability compare on an adjusted basis in FY25?

    The slides show FY25 GAAP diluted EPS of $1.39 and adjusted EPS of $1.45. FY25 ROTCE was 15.7%, and adjusted ROTCE was 16.4%. The company's 2027 goal is ROTCE of 18% to 19%.

04—Continue

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