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

What is Huntington Bancshares Pref I ADR's latest dividend and current dividend yield?

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

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

What is Huntington Bancshares Pref I ADR's gross profit margin?

What factors drove the changes in Huntington Bancshares Pref I ADR's revenue and profit?

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

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

- **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.


Huntington Bancshares (HBAN)-17 Jan 25-2024 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-17 Oct 24-2024 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-19 Jul 24-2024 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-19 Apr 24-2024 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-19 Jan 24-2023 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-20 Oct 23-2023 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-21 Jul 23-2023 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-20 Apr 23-2023 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-20 Jan 23-2022 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-21 Oct 22-2022 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-21 Jul 22-2022 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-21 Apr 22-2022 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-21 Jan 22-2021 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-28 Oct 21-2021 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-29 Jul 21-2021 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-22 Apr 21-2021 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-22 Jan 21-2020 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-22 Oct 20-2020 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-23 Jul 20-2020 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-23 Apr 20-2020 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-23 Jan 20-2019 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-24 Oct 19-2019 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-25 Jul 19-2019 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-25 Apr 19-2019 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-24 Jan 19-2018 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-23 Oct 18-2018 Q3 Earnings call transcript

Huntington Bancshares (HBAN)-25 Jul 18-2018 Q2 Earnings call transcript

Huntington Bancshares (HBAN)-24 Apr 18-2018 Q1 Earnings call transcript

Huntington Bancshares (HBAN)-23 Jan 18-2017 Q4 Earnings call transcript

Huntington Bancshares (HBAN)-25 Oct 17-2017 Q3 Earnings call transcript

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