The earnings call reflected a strong quarter for Huntington Bancshares with significant growth in loans, deposits, and profitability. The acquisition of Veritex is seen as a strategic move to enhance growth in Texas. Despite some increases in nonperforming assets, the overall credit quality remains strong. The sentiment is positive with more highlights than lowlights.

Company Guidance -

Q3 2025

During the Huntington Bancshares Second Quarter 2025 Earnings Call, management provided guidance highlighting a robust financial performance and optimistic outlook. The company reported a 27% year-over-year growth in earnings per share, excluding certain items, and an adjusted return on tangible common equity (ROTCE) of 17.6%. They noted a significant increase in average loans and deposits, each growing by nearly $10 billion year-over-year. The net interest margin expanded to 3.11%, contributing to an 8% to 9% expected full-year net interest income growth. Huntington also achieved 11% growth in strategic fee income areas, such as payments, wealth, and capital markets. Credit performance remained strong, with net charge-offs improving to 20 basis points, and liquidity coverage was robust at 2x uninsured deposits. The tangible book value per share increased by 16% year-over-year. For the rest of 2025, Huntington raised its guidance for loan and deposit growth to 6% to 8% and 4% to 6%, respectively, and projected full-year expense growth of 5% to 6% while maintaining positive operating leverage. The company also highlighted the strategic acquisition of Veritex, expected to close in the fourth quarter, as a significant growth opportunity, particularly in the Texas market.

Strong Operating Performance and Organic Growth

The company reported robust organic growth in loans, deposits, and fees, surpassing their plans for the year. Average loans and deposits both grew by almost $10 billion year-over-year.

Acquisition of Veritex

Huntington Bancshares announced the acquisition of Veritex, which will accelerate growth in Texas with a strong presence in Dallas-Fort Worth and Houston.

Revenue and Profit Growth

Year-over-year revenue and profit grew strongly, supported by expanded net interest margin, value-added fee services, and positive operating leverage.

Improved Credit Performance

Net charge-offs improved by 6 basis points from the prior quarter to 20 basis points, with stable credit performance at a low level of losses.

Increased Tangible Book Value

Tangible book value increased by 16% year-over-year, indicating strong capital growth and value creation for shareholders.

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

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HBAN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	0.37 / -	0.33	―	―	―
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)
Jan 19, 2024	2023 (Q4)	0.13 / 0.15	0.42	-64.29% (-0.27)
Oct 20, 2023	2023 (Q3)	0.32 / 0.35	0.39	-10.26% (-0.04)
Jul 21, 2023	2023 (Q2)	0.34 / 0.35	0.35	0.00% (0.00)

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
Jul 18, 2025	$16.98	$16.71	-1.59%
Apr 17, 2025	$13.14	$13.54	+3.04%
Jan 17, 2025	$16.50	$16.67	+1.03%
Oct 17, 2024	$15.38	$14.98	-2.60%

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 Oct 17, 2025, Before Open (Confirmed).

What is Huntington Bancshares (HBAN) earnings time?

Huntington Bancshares (HBAN) earnings time is at Oct 17, 2025, 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 2025 (Q3) is 0.37.

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