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- **Record Growth in 2025**: 11% revenue growth, 16% EPS growth, and 290bps operating leverage, driven by organic loan expansion and strategic partnerships.
- **2026 Guidance**: NII growth 10-13%, fee income 13-16%, and 150-200bps operating leverage, with Veritex and Cadence adding $1.85B and $300M in revenue, respectively.
- **Cost Efficiency**: 55% efficiency ratio target for 2026, with $185M in cost synergies from Veritex and Cadence.
- **Strategic Focus**: Digital investment, branch expansion in Texas and Carolinas, and specialty finance growth to sustain long-term outperformance.

**【CEO Summary Section】**
- Huntington achieved 11% revenue growth and 16% adjusted EPS growth in 2025, driven by organic loan and deposit expansion, strategic partnerships with Veritex and Cadence, and a customer-centric operating model.
- The company's flywheel model combines organic growth, reinvestment, and cost efficiency, resulting in 290 basis points of positive operating leverage in 2025.
- Key strategic investments include digital capabilities, branch expansion in Texas and the Carolinas, and specialty finance verticals.
- 2025 highlights: 10.1 billion in organic loan growth, 8.6% deposit growth, and 290 basis points of operating leverage.

**【CFO Financial Commentary】**
- Q4 2025: Net interest income (NII) grew 14% year-over-year, fee income increased 10%, and operating expenses showed 1.5% sequential growth, reflecting disciplined cost management.
- 2026 guidance: NII growth 10-13%, fee income 13-16%, and 150-200 basis points of operating leverage.
- Veritex and Cadence contributions: Veritex adds $1.85 billion in NII, Cadence adds $300 million in fee revenue.
- Credit quality remains strong with net charge-offs at 24 basis points and a 55% efficiency ratio target for 2026.

**【Q&A Highlights】**
- **Expense Management**: 2026 core expenses expected to grow 10-11%, with 150-200 basis points of operating leverage, driven by cost synergies ($75 million from Veritex, $110 million from Cadence).
- **Revenue Synergies**: Early benefits from Veritex integration, with Cadence expected to contribute incremental lending and capital markets activity in H2 2026.
- **M&A Outlook**: No immediate plans for additional acquisitions; focused on integrating Veritex and Cadence while maintaining a moderate to low-risk profile.
- **Deposit Strategy**: 40% down beta achieved in Q4, with plans to balance loan growth with core deposit expansion in 2026.
- **Credit Outlook**: 2026 net charge-offs expected to remain between 25-35 basis points, supported by strong credit metrics and prudent risk management.

Huntington Bancshares Incorporated (HBAN) Q4 2025 Earnings Call Transcript

- **Record Q3 Growth**: 14% revenue, 16% PPNR, 10% tangible book value growth.
- **Veritex Synergies**: 1% efficiency ratio improvement, 30bp ROTCE lift, Texas market leadership.
- **Profitability Excellence**: 12% NII growth, 14% noninterest income growth, 250bp+ operating leverage.
- **Credit Resilience**: 22bp NCOs, stable criticized assets, no material fraud exposure.
- **Deposit Management**: 40% rate cut beta, 10-11% NII growth via fixed asset repricing.

**【CEO Summary Section】**
- Delivered 14% year-over-year revenue growth, 16% PPNR expansion, and 10% tangible book value growth.
- Highlighted Veritex partnership to become 5th largest depository in Dallas, with 1% efficiency ratio improvement and 30bp ROTCE lift.
- Texas expansion plans include branch network expansion and commercial banking growth.
- Emphasized risk management with moderate to low risk appetite and stable credit metrics (22bp NCOs, 1.86% ACL).

**【CFO Financial Commentary】**
- Q3 EPS: $0.41 (GAAP), $0.40 (adjusted), up 18% YoY.
- Loan growth: $2.8B QoQ, 9.2% YoY, driven by commercial lending and new initiatives (40% of growth).
- Deposit growth: $1.4B QoQ, 0.8%, with cost of deposits down 2bp.
- Net interest income: $40M QoQ growth, 12% YoY, NIM 3.13%.
- Noninterest income: 14% YoY growth, led by payments (20% growth), wealth (12% AUM growth), and capital markets (21% growth).
- Expense management: 250bp+ operating leverage, 6.5% expense growth vs. 1% budget.
- Updated 2025 guidance: 8-9% loan growth, 10-11% NII growth, 7% fee income growth.

**【Q&A Highlights】**
- **Loan Growth Momentum**: 1.5% Q4 guidance, 8%+ 2026 outlook; regional banking, auto, and asset finance driving core growth.
- **Credit Quality**: Stable at 22bp NCOs, 3.79% criticized assets; no material fraud exposure.
- **Fraud Safeguards**: Relationship-based lending, active portfolio management, and moderate risk appetite.
- **Operating Leverage**: 250bp+ in 2025, 1-2%+ annual target; expense reengineering drives 1%+ annual savings.
- **M&A Strategy**: Focused on organic growth; Veritex integration prioritized over new deals.
- **Deposit Pricing**: 40% beta in rate cuts; 10-11% NII growth driven by fixed asset repricing (7bp 2026 benefit).
- **Tax Stimulus Impact**: Equipment finance seasonally strong, 2026 outlook for asset finance growth.

Huntington Bancshares Incorporated (HBAN) Q3 2025 Earnings Call Transcript

- **Record Growth**: Loans up 10% YoY, deposits +10% YoY, fee income +11% YoY. Veritex acquisition adds $30B in Texas assets.
- **Financial Strength**: 17.6% ROTCE, 9% CET1, and 20bp NCOs. Q2 EPS up 27% YoY.
- **Strategic Momentum**: New initiatives drive 40% of loan growth. Texas consumer franchise expansion begins Q4.
- **Guidance Update**: Loan growth 6-8% YoY, NIM +8-9%, fee income 4-6% YoY. Veritex close in Q4 2025.

**【CEO Opening Remarks】**
- **Strong Q2 Performance**: Average loans grew $10B YoY, deposits increased $10B YoY, and strategic fee income rose 11% YoY. Tangible book value per share increased 16% YoY.
- **Veritex Acquisition**: Accelerates Texas growth, adding 30+ branches in Dallas-Fort Worth and Houston. Expected to close in Q4 2025.
- **Financial Highlights**: Adjusted CET1 at 9%, ROTCE at 17.6%, and net charge-offs at 20 basis points. 
- **Strategic Initiatives**: New middle market team in Florida, branch expansion in North/South Carolina, and $900M loan growth from new initiatives.

**【Veritex Acquisition Discussion】**
- **Key Benefits**: Texas market expansion, commercial banking strength, fee income synergies, and seamless integration. 
- **Opportunities**: Commercial lending, wealth management, and consumer franchise growth. Veritex's 30+ branches will enhance digital and branch capabilities.

**【CFO Financial Commentary】**
- **Revenue Growth**: 8% YoY reported PPNR, 15% YoY adjusted PPNR. Fee income (payments, wealth, capital markets) grew 11% YoY.
- **Net Interest Margin (NIM)**: 3.11% Q2, up 1bp YoY. Expect stable NIM in Q3 with potential for higher growth in 2025.
- **Expense Management**: 5-6% YoY expense growth, driven by incentive compensation. Positive operating leverage maintained.
- **Credit Quality**: Stable at low levels, allowance for credit losses at 1.86%.

**【Q&A Highlights】**
- **Loan Growth Guidance**: Raised to 6-8% YoY, driven by strong Q2 momentum and Veritex synergies.
- **Deposit Strategy**: Focus on primary relationships, disciplined pricing. Q3 deposits expected flat, Q4 growth resuming.
- **Veritex Feedback**: Positive from employees and customers, with excitement over expanded capabilities.
- **Capital Management**: CET1 target range (9-10%), buybacks post-acquisition. Tax rate ~19% for 2H 2025.

Huntington Bancshares Incorporated (HBAN) Q2 2025 Earnings Call Transcript

- **Revenue Powerhouse**: 10% YoY revenue growth, 24% YoY PPNR expansion, and 6% YoY fee income growth highlight Huntington's outperformance.
- **NIM Resilience**: Q1 NIM of 3.10% (up 7bps QoQ) driven by 37% deposit beta, with flat guidance for 2025.
- **Loan Growth Dominance**: 7.3% YoY loan growth, 50% of Q1 growth from new initiatives (Carolinas, capital markets).
- **Credit Fortitude**: 26bps net charge-offs, 1.87% allowance ratio, and 3.98% criticized asset ratio reflect disciplined risk management.
- **Capital Efficiency**: $1B buyback program signals confidence, with modest 2025 repurchases to support long-term value.

**【CEO Opening Remarks】**
- **Exceptional Q1 Results**: Average loans grew $9B YoY, deposits increased $11B YoY, and PPNR rose 24% YoY to $783M.
- **Strategic Focus**: Continued investment in fee-generating businesses (payments, wealth, capital markets) and disciplined risk management with a CET1 ratio of 8.9%.
- **Market Positioning**: Outperformed peers with loan growth of 7.3% YoY, driven by new initiatives (e.g., Carolinas expansion) and core businesses.
- **Capital Allocation**: Announced $1B multiyear share buyback program to support long-term value creation.

**【CFO Financial Highlights】**
- **Revenue Growth**: 10% YoY revenue increase, driven by 11% growth in earning assets and 6% YoY fee income expansion.
- **Net Interest Margin (NIM)**: Q1 NIM of 3.10% (up 7bps QoQ), benefiting from deposit beta improvement and reduced hedging drag.
- **Expense Control**: Sequential $26M expense decline, with 3.5%-4.5% YoY growth expected for 2025.
- **Credit Quality**: Net charge-offs at 26bps, with allowance for loan losses at 1.87%.

**【Q&A Key Takeaways】**
- **Deposit Cost Management**: Q1 deposit beta of 37% (vs. 24% in 2024), driving 13bps cost reduction to 2.03%.
- **Loan Growth Momentum**: Q2 loan growth expected 1%-2% QoQ, with 5%-7% YoY guidance maintained despite macro uncertainty.
- **Hedging Strategy**: Neutral asset sensitivity for 2025, with NIM expected to remain flat at ~3.07% for the rest of the year.
- **Credit Resilience**: Criticized asset ratio at 3.98%, with strong underwriting and portfolio diversification limiting risk exposure.
- **Buyback Flexibility**: Share repurchases to be modest in 2025, prioritizing loan growth and capital efficiency.


Huntington Bancshares (HBAN)-17 Apr 25-2025 Q1 Earnings call transcript

- **Peer-leading growth**: 5.7% YoY loan growth, 6.5% YoY deposit growth in Q4 2024.
- **Fee revenue explosion**: $120M Q4 capital markets revenue (+74% YoY), 9% AUM growth in wealth.
- **Credit resilience**: 30bps net charge-offs, 1.88% ACL ratio, criticized assets down 20% over 9 months.
- **2025 Outlook**: 5-7% loan growth, 4-6% fee revenue growth, flat NIM (~3%) with upside in 2026+.
- **Capital discipline**: 10.5% CET1, no buybacks in 2025, targeting 9-10% adjusted CET1 range.


**【CEO Summary Section】**
- Delivered record fee revenues and accelerated loan/deposit growth in Q4 2024, driven by both existing and new businesses.
- 2024 was a breakout year with $7.5B deposit growth and $3.5B loan growth, outpacing peers.
- Key growth areas: payments (merchant acquiring, treasury management), wealth management (9% AUM growth), and capital markets ($120M Q4 revenue, +74% YoY).
- 2025 outlook: 5-7% loan growth, 3-5% deposit growth, 4-6% fee revenue growth.
- Credit performance: 30bps net charge-offs (stable QoQ), 1.88% allowance for credit losses.

**【CFO Financial Commentary】**
- Q4 2024 EPS: $0.34, ROTCE: 16.4%, CET1: 10.5%.
- Loan growth: 5.7% YoY ($7B increase), deposit growth: 6.5% YoY ($9.7B increase).
- Net interest income: $45M QoQ growth, NIM: 3.03% (+5bps QoQ).
- Fee revenue: $96M YoY growth (20%), driven by payments (+8%), wealth (+8%), and capital markets.
- Expense growth: 3.5-4.5% in 2025, with focus on revenue-driven initiatives.

**【Q&A Highlights】**
- **NII Guidance Confidence**: 4-6% growth achievable despite macro uncertainty, driven by loan growth and disciplined deposit pricing.
- **Loan-to-Deposit Ratio**: 79% at end of Q4, enabling 2025 loan growth faster than deposits.
- **Capital Management**: Target adjusted CET1 9-10%, with buybacks on hold in 2025.
- **NIM Outlook**: Flat in 2025 (~3%), rising in 2026+ as yield curve normalizes.
- **M&A Strategy**: Organic growth priority, but open to disciplined bolt-on opportunities.
- **Credit Reserves**: 1.88% ACL ratio, potential gradual reduction if economic conditions stabilize.


Actual																0.03	0.13	0.27	0.27	0.48	-0.05	0.22	0.26	0.29	0.35	0.39	0.42	0.39	0.35	0.35	0.15	0.26	0.3	0.33	0.34	0.34	0.34	0.41	0.3
Forecast																0.1687	0.0392	0.2498	0.2921	0.3175	0.2724	0.3088	0.2972	0.2882	0.339	0.3814	0.4037	0.3694	0.3368	0.319	0.1248	0.241	0.2811	0.2975	0.3122	0.3138	0.3341	0.3745	0.3289	0.1561
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-82.22%	+231.63%	+8.09%	-7.57%	+51.18%	-118.36%	-28.76%	-12.52%	+0.62%	+3.24%	+2.25%	+4.04%	+5.58%	+3.92%	+9.72%	+20.19%	+7.88%	+6.72%	+10.92%	+8.90%	+8.35%	+1.77%	+9.48%	-8.79%	0.00%

Actual	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	1.16B	1.19B	1.25B	1.24B	1.37B	1.28B	1.70B	1.65B	1.65B	1.75B	1.91B	1.96B	1.93B	1.85B	1.89B	1.73B	1.77B	1.82B	1.89B	1.97B	1.94B	1.95B	2.13B	2.19B	--
Forecast	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	1.15B	1.14B	1.23B	1.25B	1.22B	1.28B	1.70B	1.69B	1.63B	1.71B	1.84B	1.95B	1.90B	1.84B	1.82B	1.76B	1.74B	1.81B	1.86B	1.90B	1.89B	1.97B	2.05B	2.21B	2.57B
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+0.59%	+3.82%	+2.08%	-0.86%	+12.75%	-0.18%	-0.04%	-2.37%	+1.57%	+2.74%	+3.85%	+0.69%	+1.47%	+0.46%	+3.69%	-1.67%	+1.35%	+0.42%	+1.64%	+3.85%	+2.59%	-0.90%	+4.18%	-0.86%	0.00%

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HBAN

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HBAN Q1 2026 Earnings Preview

Earnings Call

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HBAN Earnings Call Summary for Q1/202511:00 AM on Apr 17, 2025

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