--- title: "Huntington Bancshares Pref Share HBANM 5.7 Perp 12/01/22 C | 8-K: FY2025 Q4 Revenue: USD 2.174 B" type: "News" locale: "en" url: "https://longbridge.com/en/news/273368221.md" datetime: "2026-01-22T11:59:25.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/273368221.md) - [en](https://longbridge.com/en/news/273368221.md) - [zh-HK](https://longbridge.com/zh-HK/news/273368221.md) generator: "portal-rs" --- # Huntington Bancshares Pref Share HBANM 5.7 Perp 12/01/22 C | 8-K: FY2025 Q4 Revenue: USD 2.174 B Revenue: As of FY2025 Q4, the actual value is USD 2.174 B. EPS: As of FY2025 Q4, the actual value is USD 0.3. Huntington Bancshares Incorporated Depositary Shs Repr 5.7% 1⁄1’000th Non-Cum Red Perp Pfd Shs Series I reported a net income of $519 million for the 2025 fourth quarter, which is a decrease of $110 million (17%) from the prior quarter and $11 million (2%) from the year-ago quarter, including $130 million of pre-tax notable items primarily due to acquisition-related expenses. Adjusted net income (non-GAAP) was $618 million for the quarter. The specific financial and operational metrics, such as operating cash flow and free cash flow, are not detailed in this filing but are contained within attached exhibits . #### Revenue - **Net Interest Income (NII):** Net interest income reached $1,592 million, increasing $86 million (6%) from the prior quarter and $197 million (14%) from the year-ago quarter. Fully-taxable equivalent (FTE) net interest income was $1,609 million, an increase of $200 million (14%) from the 2024 fourth quarter and $86 million (6%) from the 2025 third quarter . - **Noninterest Income:** Total noninterest income was $582 million, decreasing $46 million (7%) from the prior quarter but increasing $23 million (4%) from the year-ago quarter . - Payments and cash management revenue: $170 million, down 2% from prior quarter, up 5% from year-ago quarter . - Wealth and asset management revenue: $102 million, down 2% from prior quarter, up 10% from year-ago quarter . - Customer deposit and loan fees: $107 million, up 5% from prior quarter, up 22% from year-ago quarter . - Capital markets and advisory fees: $101 million, up 7% from prior quarter, down 16% from year-ago quarter . - Mortgage banking income: $39 million, down 9% from prior quarter, up 26% from year-ago quarter . - Insurance income: $22 million, up 10% from prior quarter, unchanged from year-ago quarter . - Leasing revenue: $19 million, down 17% from prior quarter, unchanged from year-ago quarter . - Other noninterest income: $22 million, down 68% from prior quarter, down 51% from year-ago quarter . #### Operational Metrics - **Net Interest Margin (NIM):** 3.15%, an increase of 2 basis points from the prior quarter and 12 basis points from the year-ago quarter . - **Efficiency Ratio:** 64.2%, compared to 57.4% in the prior quarter and 58.6% in the year-ago quarter . - **Noninterest Expense:** Total noninterest expense was $1,420 million, increasing $174 million (14%) from the 2025 third quarter and $242 million (21%) from the year-ago quarter. Adjusted noninterest expense was $1,290 million . - **Provision for Credit Losses:** $123 million, an increase of $16 million year-over-year and $1 million quarter-over-quarter . - **Net Charge-offs (NCOs):** $89 million, a decrease of $8 million year-over-year and an increase of $14 million quarter-over-quarter. NCOs represented an annualized 0.24% of average loans and leases . - **Nonperforming Assets (NPAs):** $945 million, or 0.63% of total loans and leases, OREO, and other NPAs, increasing $124 million (15%) on a linked quarter basis . - **Nonaccrual Loans and Leases (NALs):** $931 million, or 0.62% of total loans and leases, increasing $123 million (15%) quarter-over-quarter . - **Allowance for Credit Losses (ACL):** $2.7 billion, or 1.83% of total loans and leases, an increase of $297 million from the year-ago quarter . - **Allowance for Loan and Lease Losses (ALLL):** $2.5 billion, or 1.70% of total loans and leases, an increase of $293 million from the year-ago quarter . - **Return on Average Assets:** 0.93% . - **Return on Average Common Equity:** 8.9% . - **Return on Average Tangible Common Equity (ROTCE):** 12.7% . - **Effective Tax Rate:** 17.2% for the 2025 fourth quarter . #### Balance Sheet Metrics - **Average Total Loans and Leases:** $146.6 billion, an increase of $10.7 billion (8%) from the prior quarter and $18.4 billion (14%) from the year-ago quarter . - Average Commercial Loans: Grew $9.5 billion (12%) from prior quarter and $15.3 billion (21%) from year-ago quarter . - Average Consumer Loans: Grew $1.1 billion (2%) from prior quarter and $3.1 billion (6%) from year-ago quarter . - **Average Total Deposits:** $173.2 billion, an increase of $8.3 billion (5%) from the prior quarter and $13.8 billion (9%) from the year-ago quarter . - **Average Earning Assets:** $202.5 billion, an increase of $9.8 billion (5%) from the prior quarter and $17.3 billion (9%) from the year-ago quarter . - **Average Total Liabilities:** $196.3 billion, an increase of $8.0 billion from the 2025 third quarter and $14.5 billion (8%) from the year-ago quarter . #### Capital Ratios - **Common Equity Tier 1 (CET1) Risk-Based Capital Ratio:** 10.4% at December 31, 2025, compared to 10.6% in the prior quarter . - **Tangible Common Equity (TCE) Ratio:** 7.1%, up from 6.8% in the prior quarter and 6.1% from a year ago . - **Tangible Book Value per Share:** $9.89, up $0.35 (4%) from the prior quarter and up $1.56 (19%) from a year ago . - **Regulatory Tier 1 Risk-Based Capital Ratio:** 12.0% at December 31, 2025, compared to 12.4% at September 30, 2025 . - **Regulatory Total Risk-Based Capital Ratio:** 14.2% at December 31, 2025, compared to 14.7% at September 30, 2025 . - **Total Risk-Weighted Assets:** $166.7 billion at December 31, 2025, compared to $150.2 billion at September 30, 2025 . #### Outlook / Guidance Huntington Bancshares Incorporated Depositary Shs Repr 5.7% 1⁄1’000th Non-Cum Red Perp Pfd Shs Series I anticipates continued strong organic growth for 2026, driven by robust backlogs and pipelines. The company expects to deliver exceptional profitability and long-term value through strategic investments and recent partnerships. The Cadence Bank acquisition is projected to close on February 1, 2026 . ### Related Stocks - [HBANM.US](https://longbridge.com/en/quote/HBANM.US.md) ## Related News & Research - [Berkshire Hathaway Just Sold 3 Bank Stocks. Here’s Why Investors Should Take Notice](https://longbridge.com/en/news/297771081.md) - [Next Phase Of AI–Elon Musk’s 1 Billion Robots](https://longbridge.com/en/news/297821554.md) - [HPE Earnings Prediction Market Preview: Will Antonio Neri Say ‘Self Driving’ Again?](https://longbridge.com/en/news/297812809.md) - [HPE follows in Dell's footsteps as it rides the AI server boom to a big earnings beat](https://longbridge.com/en/news/297824285.md) - [Dan Ives Says M&A Is the ‘Missing Piece’ for Apple in AI Arms Race — New CEO John Ternus Could Finally Shake Up Tim Cook’s Playbook](https://longbridge.com/en/news/297774464.md) --- > **Disclaimer: This article is for reference only and does not constitute any investment advice.**