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Huntington Bancshares (HBAN)
NASDAQ:HBAN
Earnings Data
Report Date
Apr 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.15Last Year’s EPS
0.34Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong positive momentum across revenue, organic loan growth, fee income, capital generation and credit quality, supported by successful rapid integration of Veritex and clear plans for Cadence. Key near-term uncertainties include a materially larger expense base (Cadence adds ~$1.1B), timing of revenue synergies (largely not yet included in guidance), a rise in criticized assets tied to Veritex CRE, and some category-specific loan declines. On balance, the company demonstrated robust execution and growth drivers that outweigh the integration and expense execution risks.Company Guidance
Strong Full-Year Financial Performance (2025)
Reported 11% revenue growth and 16% adjusted EPS growth for 2025; delivered 290 basis points of positive operating leverage and grew tangible book value 19% year over year.
Robust Loan Growth (Organic and Overall)
Average loans grew 14.4% year-over-year excluding the Veritex portfolio; average loans increased $10.9 billion (8.6% YoY) and Huntington generated $10.1 billion of organic loan growth in 2025, exceeding the $9.5 billion contributed by Veritex.
Deposit Growth and Funding Discipline
Average deposits increased 5.1% sequentially and 8.6% year-over-year; core end-of-period deposits (ex-Veritex) grew $5.5 billion YoY (3.4%). Achieved a 35% cycle-to-date down beta and 40% down beta in the last two weeks of Q4 after the Fed reduction.
Net Interest Income and Margin Momentum
Net interest income grew $86 million sequentially (5.6%) in the quarter and over 14% year-over-year; net interest margin was 3.15% in Q4, up 2 basis points quarter-over-quarter.
Fee Income Strength and Strategic Fee Drivers
Fee businesses grew across most areas: payments +5% YoY, commercial payments +8%, wealth management +10% (16% adjusted for a prior sale); loan and deposit fees up over 20%. Management expects fee revenue growth of 13%–16% in 2026 and models Cadence adding ~ $300 million of fee revenue.
Successful Partner Integrations and Synergy Realization
Veritex conversion completed in 187 days with targeted cost synergies already being realized and expected fully in run rate by Q2; Cadence integration advanced with product/data mapping in progress and systems migration targeted midyear, with cost synergies expected to accrue immediately and reach full run rate in Q4.
Strong Credit Metrics
Net charge-offs remained low at 24 basis points; nonperforming asset ratio 63 basis points. Guidance for 2026 net charge-offs is 25–35 basis points, with management expecting results nearer the lower end.
Capital Generation and Shareholder Returns
Adjusted CET1 was increased over the year and management plans to target midpoint of a 9%–10% operating range; tangible book value up 19% YoY; returned 40% of earnings via dividends and expects to add ~ $50 million per quarter of buybacks following Cadence close.
HBAN Earnings History
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 |
|---|---|---|---|
Jan 22, 2026 | $18.77 | $17.64 | -6.02% |
Oct 17, 2025 | $15.23 | $15.36 | +0.85% |
Jul 18, 2025 | $16.68 | $16.42 | -1.59% |
Apr 17, 2025 | $12.91 | $13.30 | +3.01% |
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 Apr 23, 2026, Before Open (Confirmed).
What is Huntington Bancshares (HBAN) earnings time?
Huntington Bancshares (HBAN) earnings time is at Apr 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 (Q1) is 0.15.