Huntington Bancshares (NASDAQ:HBAN) Posts Earnings Results, Misses Estimates By $0.03 EPS

Huntington Bancshares (NASDAQ:HBAN) issued its quarterly earnings results on Thursday. The bank reported $0.37 EPS for the quarter, missing analysts’ consensus estimates of $0.40 by ($0.03), FiscalAI reports. Huntington Bancshares had a return on equity of 12.14% and a net margin of 18.06%.The company had revenue of $2.19 billion during the quarter, compared to the consensus estimate of $2.21 billion. During the same period in the previous year, the company earned $0.34 EPS.

Here are the key takeaways from Huntington Bancshares’ conference call:

• Huntington closed out an exceptionally strong 2025 with 11% revenue growth, 16% adjusted EPS growth, 290 bps of positive operating leverage, and robust organic lending and deposit expansion (average loans +14.4% yoy; excluding Veritex +8.6%).
• The Veritex conversion is complete (187 days) with its cost synergies expected fully in run rate by Q2, and Cadence is set to close Feb 1 with systems migration mid-year and full Cadence cost-synergy run rate targeted in Q4 2026 (≈75% of Cadence synergies expected in 2026).
• 2026 standalone guidance calls for strong operating performance—NII +10–13%, fees +13–16%, loans +11–12% and deposits +8–9%—with 150–200 bps of operating leverage and a target ~55% efficiency ratio for the year.
• Capital strategy emphasizes funding high-return loan growth and dividends while moving adjusted CET1 toward the 9–10% midpoint, and management expects capacity for roughly $50M per quarter of buybacks after the Cadence close.
• Credit remains generally healthy (net charge-offs 24 bps) but the criticized asset ratio rose to 4.2%, driven mainly by Veritex commercial real estate loans identified in diligence, which is a potential area of elevated risk to monitor.

Huntington Bancshares Stock Down 6.0%

Shares of NASDAQ HBAN opened at $17.64 on Friday. The company has a market cap of $27.78 billion, a price-to-earnings ratio of 12.34, a PEG ratio of 0.70 and a beta of 0.95. The company has a quick ratio of 0.91, a current ratio of 0.92 and a debt-to-equity ratio of 0.89. The firm’s fifty day moving average is $17.24 and its 200 day moving average is $16.88. Huntington Bancshares has a 52 week low of $11.91 and a 52 week high of $18.91.

Huntington Bancshares Announces Dividend

The company also recently announced a quarterly dividend, which will be paid on Wednesday, April 1st. Investors of record on Wednesday, March 18th will be paid a $0.155 dividend. This represents a $0.62 annualized dividend and a dividend yield of 3.5%. The ex-dividend date of this dividend is Wednesday, March 18th. Huntington Bancshares’s payout ratio is presently 43.36%.

Insiders Place Their Bets

In other news, insider Amit Dhingra sold 10,000 shares of the company’s stock in a transaction dated Thursday, January 8th. The shares were sold at an average price of $18.50, for a total transaction of $185,000.00. Following the completion of the transaction, the insider directly owned 155,634 shares of the company’s stock, valued at approximately $2,879,229. This represents a 6.04% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is accessible through this hyperlink. Also, insider Kendall A. Kowalski sold 2,481 shares of the firm’s stock in a transaction dated Friday, December 12th. The stock was sold at an average price of $17.80, for a total value of $44,161.80. Following the completion of the sale, the insider directly owned 71,566 shares in the company, valued at $1,273,874.80. The trade was a 3.35% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last 90 days, insiders have sold 97,863 shares of company stock worth $1,581,634. 0.89% of the stock is currently owned by insiders.

Hedge Funds Weigh In On Huntington Bancshares

Several hedge funds have recently made changes to their positions in HBAN. CIBC Bancorp USA Inc. purchased a new stake in Huntington Bancshares in the third quarter worth $3,487,000. Coldstream Capital Management Inc. increased its position in Huntington Bancshares by 56.8% during the 3rd quarter. Coldstream Capital Management Inc. now owns 68,517 shares of the bank’s stock valued at $1,185,000 after purchasing an additional 24,814 shares during the period. Danske Bank A S bought a new position in Huntington Bancshares in the 3rd quarter worth $22,781,000. Advisory Services Network LLC lifted its position in shares of Huntington Bancshares by 2.5% in the 3rd quarter. Advisory Services Network LLC now owns 29,690 shares of the bank’s stock worth $513,000 after purchasing an additional 737 shares during the period. Finally, Palisade Asset Management LLC bought a new stake in shares of Huntington Bancshares during the 3rd quarter valued at about $26,000. 80.72% of the stock is owned by hedge funds and other institutional investors.

Wall Street Analysts Forecast Growth

A number of research firms have weighed in on HBAN. Piper Sandler raised their price target on Huntington Bancshares from $15.00 to $16.00 and gave the company an “underweight” rating in a research report on Wednesday, December 10th. Royal Bank Of Canada reissued an “outperform” rating and set a $21.00 price objective on shares of Huntington Bancshares in a report on Monday, January 12th. Raymond James Financial restated a “strong-buy” rating and issued a $20.00 target price (down previously from $21.00) on shares of Huntington Bancshares in a research report on Monday, October 20th. Weiss Ratings reiterated a “buy (b-)” rating on shares of Huntington Bancshares in a research report on Wednesday, October 8th. Finally, DA Davidson reaffirmed a “buy” rating and issued a $21.00 price objective on shares of Huntington Bancshares in a research note on Tuesday, October 28th. Two investment analysts have rated the stock with a Strong Buy rating, thirteen have assigned a Buy rating, four have given a Hold rating and one has assigned a Sell rating to the company’s stock. According to MarketBeat.com, Huntington Bancshares currently has a consensus rating of “Moderate Buy” and an average target price of $20.08.

Huntington Bancshares News Summary

Here are the key news stories impacting Huntington Bancshares this week:

• Positive Sentiment: Board declared/maintained the quarterly cash dividend of $0.155 (annualized yield ~3.5%), signalling capital stability and returning cash to shareholders. Huntington Bancshares Incorporated Declares Quarterly Cash Dividends
• Positive Sentiment: Management emphasized organic growth, expanding margins, and strategic partnerships on the Q4 earnings call — points that support medium-term revenue and margin improvement. Huntington Bancshares Earnings Call Shows Growth and Momentum
• Positive Sentiment: Analysts and press noted rising net interest income and a push into the Southern U.S., which could drive loan and deposit growth going forward. Stock Market Today, Jan. 22: Huntington Bancshares Falls After Missing Revenue and EPS Estimates
• Positive Sentiment: High-visibility endorsement: Jim Cramer publicly praised Huntington, which can support near-term investor sentiment. Jim Cramer on Huntington Bancshares: “They’re Terrific”
• Neutral Sentiment: Full earnings release and slide deck are available for investors who want detail on adjustments, notable items, and forward commentary. Useful for modeling but not new market-moving info. Q4 2025 Press Release / Slide Deck
• Neutral Sentiment: Earnings call transcript posted for deeper read on management’s guidance and commentary; useful for long-term thesis but less immediately market-moving. Huntington Bancshares Q4 2025 Earnings Call Transcript
• Negative Sentiment: Q4 EPS missed consensus: reported $0.37 vs. ~$0.40 expected (adjusted EPS also slightly below some estimates), and revenue of $2.19B missed the ~$2.21B estimate — the main trigger for the share decline. MarketBeat Q4 Results Summary
• Negative Sentiment: Analysts flagged a year-over-year rise in expenses and higher credit provisions that offset revenue strength; these margin pressures weighed on near-term profitability. Huntington Stock Falls as Q4 Earnings Lag Estimates, Expenses Rise Y/Y

Huntington Bancshares Company Profile

Huntington Bancshares Incorporated (NASDAQ: HBAN) is a bank holding company headquartered in Columbus, Ohio, that provides a broad range of banking and financial services through its principal subsidiary, Huntington National Bank. The company’s operations are centered on retail and commercial banking, and it serves individual consumers, small and middle-market businesses, and institutional customers.

Huntington’s product offerings include traditional deposit and lending products, consumer and commercial loans, mortgage origination and servicing, auto financing, and business banking solutions.