What is the revenue and EPS growth rate for Huntington Bancshares year over year?

What is the market's earnings forecast for Huntington Bancshares next quarter?

What does Huntington Bancshares do and what are its main business segments?

What were the key takeaways from Huntington Bancshares’s earnings call?

What were the key takeaways from Huntington Bancshares's earnings call?

Did Huntington Bancshares beat or miss consensus estimates last quarter?

What is Huntington Bancshares's gross profit margin?

What guidance did Huntington Bancshares's management provide for the next earnings period?

- **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.


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