<span item_type="fundamental" item_id="14ff8c7a68d0ac9009064d9322184ae5" counter_id="ST/US/HBANL" env="prod"></span><span item_type="announcement" item_id="538089465390370177" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.34.</p><p></p><h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li>Huntington Bancshares Incorporated reported revenue (FTE) of $1,954 million for the second quarter of 2025, indicating strong revenue growth and positive operating leverage.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-2.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>Earnings per common share (EPS) were $0.34, unchanged from the prior quarter, and up over 13% from the year-ago quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Net interest income was $1.5 billion, an increase of $41 million or 3% from the prior quarter and $155 million or 12% from the year-ago quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Average loans and leases were $133.2 billion, an increase of $2.3 billion, or 2% from the prior quarter and $9.8 billion, or 8% from the year-ago quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Average deposits were $163.4 billion, an increase of $1.8 billion, or 1% from the prior quarter and $9.9 billion, or 6% from the year-ago quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Net charge-offs were 0.20% of average total loans and leases for the quarter, 6 basis points lower than the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Allowance for credit losses (ACL) was $2.5 billion, or 1.86% of total loans and leases, at quarter end, an increase of $37 million from the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Tangible book value per share was $9.13, up $0.33, or 4%, from the prior quarter and $1.24, or 16%, from a year ago.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Adjusted net income available to common was $518 million for 2Q25, with an annualized adjusted net income of $2,078 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-2.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>The report does not provide specific figures for operating cash flow or free cash flow.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-2.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_8k.htm"></span></li></ul><h4>Unique Metrics</h4><ul><li>Huntington Bancshares Incorporated is the nation’s largest originator, by volume, of Small Business Administration (SBA) 7(a) loans and was the #1 SBA lender in Texas in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span></li><li>Adjusted ROTCE was 17.6% for 2Q25, excluding securities repositioning and notable items.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-2.htm"></span></li></ul><h4>Outlook / Guidance</h4><ul><li>Huntington Bancshares Incorporated and Veritex Holdings, Inc. announced a merger agreement, with Huntington continuing as the surviving entity. The transaction is expected to accelerate Huntington’s organic growth initiatives in high-growth Texas markets and is anticipated to close early in the fourth quarter of 2025, subject to regulatory approvals and customary closing conditions. The merger is expected to be modestly accretive to Huntington’s earnings per share, neutral to regulatory capital at close, and slightly dilutive to tangible book value per share with payback in approximately one year inclusive of merger expenses and CECL double count.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-2.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_ex99-1.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/49196/000114036125025732/ef20051952_8k.htm"></span></li></ul>

Huntington Bancshares Pref Share HBANL 6.875 Perp 04/15/28 | 8-K: FY2025 Q2 EPS: USD 0.34