Huntington Bancshares HBAN 2025Q3 Earnings Preview Upside Ahead on NII Growth

Forward-Looking Analysis
Analysts anticipate Huntington Bancshares will benefit from increased net interest income (NII) and fee income, which are expected to drive Q3 earnings. The bank has raised its 2025 NII growth forecast to 8%-9%, driven by its strategic expansion and deposit growth. Based on previous performance, including a Q2 net income of $536 million and an EPS of $0.34, expectations for Q3 are aligned with continued solid performance. Management has historically beaten estimates, and the acquisition of Veritex is expected to further enhance results by expanding market presence in Texas.

Historical Performance Review
In 2025Q2, Huntington Bancshares reported a net income of $536 million, or $0.34 per share. The quarter marked continued growth in its core banking operations, with management maintaining guidance for strong performance. The bank demonstrated resilience, with consistent earnings trends and improved tax efficiency, despite a modest increase in the effective tax rate compared to the prior year.

Additional News
Huntington Bancshares has solidified its expansion strategy through the acquisition of Veritex, positioning the bank for increased market share in Texas. This strategic move is expected to accelerate organic growth and enhance customer reach. Management has also raised its 2025 interest income forecast, indicating confidence in its ability to capitalize on favorable interest rate dynamics. Analysts remain optimistic, with several highlighting the bank’s potential to outperform expectations due to its strong balance sheet and expanding fee-based revenue streams.

Summary & Outlook
Huntington Bancshares is in a strong financial position, with consistent earnings growth and a clear strategic direction. The bank's elevated NII forecast and recent M&A activity are key catalysts for upside. With a track record of beating estimates and a solid balance sheet, the outlook remains bullish. Continued expansion in Texas, coupled with fee income growth, should support a strong Q3 report. Investors can expect robust performance across revenue, net income, and EPS, reinforcing the bank’s long-term growth trajectory.