Huntington Bancshares (HBAN)

NASDAQ:HBAN

HBAN

Huntington Bancshares

RESEARCH TOOLSreports

Want to see HBAN full AI Analyst Report?

Huntington Bancshares (HBAN) Earnings Dates, Call Summary & Reports

1,635 Followers

Earnings Data

Report Date

Jul 23, 2026

Before Open (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.36

Last Year’s EPS

0.34

Same Quarter Last Year

Analyst Consensus

Strong Buy

Based on 12 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 23, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call highlighted strong operating momentum: double-digit fee growth, robust PPNR expansion (+36% adjusted), solid organic loan and deposit growth, improving capital generation, record capital markets performance, and clear progress on integrations and synergies. Management tempered some near-term net interest margin and NII expectations due to a deliberate liquidity build (~$4B Fed cash), a modestly softer macro outlook and balance-sheet optimization (including reduced construction CRE exposure). They offset margin pressure with upgraded fee revenue guidance (raised to 31%–33%) and tightened expense discipline, while accelerating efficiency initiatives and maintaining an active buyback program. Overall, positive execution and a constructive 2027 profitability target (EPS $1.90–$1.93 and ROTCE 18%–19%) outweigh near-term margin and integration frictions.

Company Guidance

The company updated 2026 guidance to reflect slightly more cautious loan growth (now tracking to the midpoint of the prior range) and a modestly lower NIM—now expected in the high 3.20s (versus prior mid-3.30s), with ~5 bps of the shift from carrying ~$4 billion of Fed cash and ~2–3 bps from asset/deposit optimization—while raising fee revenue growth to 31–33% and tightening expense growth to the lower half of the 32.5–33.5% range; management still expects full‑year operating leverage of ~400–450 bps and to exit Q4 with an efficiency ratio in the mid‑ to low‑54% range, is targeting 2027 EPS of $1.90–$1.93 and ROTCE of 18–19% (having already delivered a rolling 12‑month ROTCE of 16–17%), and reiterated strong capital and liquidity positions (adjusted CET1 managed to a 9–10% operating range, Basel III Endgame modeled to lower RWA ~7.5–8% implying ~80 bps CET1 benefit, available contingent liquidity ≈173% of uninsured deposits, 69% insured deposits, unmodified LCR 118%); near‑term targets are supported by Q1 results (GAAP EPS $0.25, adjusted EPS $0.37 +9% y/y, PPNR +36% adj, NII +$301M seq / +33% y/y, NIM 3.24%, loan growth excl. Cadence +1.5% q/q or $2.2B, core deposits excl. Cadence +$3.8B q/q) and an active capital return program (2026 repurchase plan increased to $550M with >$250M completed YTD—$150M in Q1 and >$100M in Q2—retiring ~15M shares, plus a new $3B authorization).

Adjusted EPS and Earnings Growth

Reported EPS $0.25; adjusted EPS $0.37, up 9% year-over-year, reflecting organic execution and contributions from recent partnerships.

Strong Pre-Provision Net Revenue (PPNR) and Tangible Book Growth

Adjusted PPNR grew 36%; tangible book value grew 9% year-over-year, supporting profitability and capital generation.

Net Interest Income and Margin Expansion (Quarterly)

Net interest income increased $301 million (18.7% sequentially) and was up 33% year-over-year; reported NIM 3.24%, up 9 basis points quarter-over-quarter.

Robust Fee Income Performance

Adjusted fee income grew 18% year-over-year (ex-M&A); payments revenue up 21% YoY (organic ~10%), wealth management +19% YoY, capital markets (ex-acquisitions) nearly +60% YoY, and loan & deposit fees +28% YoY (≈18% ex-acquisitions).

Organic Balance Sheet Growth

Excluding Cadence, end-of-period loan balances rose 1.5% quarter-over-quarter (~$2.2 billion) and core deposits (ex-Cadence) increased $3.8 billion or 2.3% quarter-over-quarter, driven by primary relationship growth.

Liquidity and Capital Strength

Available contingent liquidity ≈173% of uninsured deposits; 69% of deposits insured; unmodified LCR 118%; adjusted CET1 within 9%–10% operating range and increased ~30 basis points year-over-year.

Integration and Revenue/Cost Synergies Progress

Successful onboarding of ~6,000 colleagues and ~1.5 million customers; Veritex conversion completed and Cadence conversion on track for June; cost and revenue synergies tracking to plan with early revenue benefits in capital markets, payments and wealth.

Capital Return and Share Repurchases

Increased 2026 repurchase plan to $550 million; year-to-date repurchases >$250 million (≈$150 million in Q1), ~15 million shares retired; Board approved new $3 billion authorization to support multi-year buybacks.

Credit Metrics and Asset Quality

Net charge-offs 26 basis points; criticized asset ratio 4.3%; nonperforming asset ratio 72 basis points—stable and consistent with expectations post-merger.

Raised Longer-Term Profitability Targets

Rolled 5-quarter ROTCE consistent with prior 16%–17% target and raised forward target to 18%–19% ROTCE for 2027 with 2027 EPS guidance of $1.90–$1.93.

Huntington Bancshares (HBAN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HBAN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 23, 2026	2026 (Q2)	0.36 / -	0.34	―	―	―
Apr 23, 2026	2026 (Q1)	0.23 / 0.25	0.34	-26.47% (-0.09)
Jan 22, 2026	2025 (Q4)	0.33 / 0.30	0.34	-11.76% (-0.04)
Oct 17, 2025	2025 (Q3)	0.37 / 0.41	0.33	24.24% (+0.08)
Jul 18, 2025	2025 (Q2)	0.33 / 0.34	0.3	13.33% (+0.04)
Apr 17, 2025	2025 (Q1)	0.31 / 0.34	0.26	30.77% (+0.08)
Jan 17, 2025	2024 (Q4)	0.31 / 0.34	0.15	126.67% (+0.19)
Oct 17, 2024	2024 (Q3)	0.30 / 0.33	0.35	-5.71% (-0.02)
Jul 19, 2024	2024 (Q2)	0.28 / 0.30	0.35	-14.29% (-0.05)
Apr 19, 2024	2024 (Q1)	0.24 / 0.26	0.39	-33.33% (-0.13)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HBAN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 23, 2026	$16.82	$16.83	+0.06%
Jan 22, 2026	$18.58	$17.46	-6.02%
Oct 17, 2025	$15.08	$15.21	+0.84%
Jul 18, 2025	$16.51	$16.25	-1.59%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Huntington Bancshares (HBAN) report earnings?

Huntington Bancshares (HBAN) is schdueled to report earning on Jul 23, 2026, Before Open (Confirmed).

What is Huntington Bancshares (HBAN) earnings time?

Huntington Bancshares (HBAN) earnings time is at Jul 23, 2026, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HBAN EPS forecast?

HBAN EPS forecast for the fiscal quarter 2026 (Q2) is 0.36.