Revenue: As of FY2025 Q3, the actual value is USD 2.134 B.EPS: As of FY2025 Q3, the actual value is USD 0.41.EBIT: As of FY2025 Q3, the actual value is USD -740 M.<h3>Segment Revenue</h3><ul><li>Commercial and Industrial Loans: $62,978 million, representing 45% of total loans and leases as of September 30, 2025, compared to $56,809 million or 43% as of December 31, 2024.</li><li>Commercial Real Estate Loans: $10,732 million, representing 8% of total loans and leases as of September 30, 2025, compared to $11,078 million or 9% as of December 31, 2024.</li><li>Lease Financing: $5,515 million, representing 4% of total loans and leases as of September 30, 2025, compared to $5,454 million or 4% as of December 31, 2024.</li><li>Residential Mortgage Loans: $24,502 million, representing 18% of total loans and leases as of September 30, 2025, compared to $24,242 million or 19% as of December 31, 2024.</li><li>Automobile Loans: $15,996 million, representing 12% of total loans and leases as of September 30, 2025, compared to $14,564 million or 11% as of December 31, 2024.</li><li>Home Equity Loans: $10,314 million, representing 7% of total loans and leases as of September 30, 2025, compared to $10,142 million or 8% as of December 31, 2024.</li><li>RV and Marine Loans: $5,805 million, representing 4% of total loans and leases as of September 30, 2025, compared to $5,982 million or 5% as of December 31, 2024.</li><li>Other Consumer Loans: $2,114 million, representing 2% of total loans and leases as of September 30, 2025, compared to $1,771 million or 1% as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Interest Income: $1,506 million for the third quarter of 2025, an increase of $155 million or 11% from the year-ago quarter.</li><li>Provision for Credit Losses: $122 million for the third quarter of 2025, an increase of $16 million or 15% from the year-ago quarter.</li><li>Noninterest Income: $628 million for the third quarter of 2025, an increase of $105 million or 20% from the year-ago quarter.</li><li>Noninterest Expense: $1,246 million for the third quarter of 2025, an increase of $116 million or 10% from the year-ago quarter.</li><li>Net Income: $629 million for the third quarter of 2025, an increase of $112 million or 22% from the year-ago quarter.</li><li>Net Charge-offs: $75 million for the third quarter of 2025, a decrease of $18 million from the year-ago quarter.</li></ul><h3>Unique Metrics</h3><ul><li>Net Interest Margin (NIM): 3.13% for the third quarter of 2025, an increase of 15 basis points from the year-ago quarter.</li><li>Efficiency Ratio: 57.4% for the third quarter of 2025, compared to 59.4% in the year-ago quarter.</li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li>Growth in Loans and Leases: The company aims to continue growing its loan and lease portfolio, with a focus on maintaining a balanced mix of consumer and commercial credits.</li><li>Net Interest Income Expansion: The company plans to leverage its balance sheet strength to expand net interest income through strategic asset and liability management.</li><li>Credit Quality Management: The company will maintain its disciplined approach to managing credit quality, consistent with its aggregate moderate-to-low risk appetite.</li></ul><h4>Non-Core Business</h4><ul><li>Divestitures and Acquisitions: The company completed the acquisition of Veritex Holdings, Inc. and announced a pending acquisition of Cadence Bank, which are expected to enhance its market presence and financial performance.</li></ul><h4>Priority</h4><ul><li>Efficiency Improvements: The company aims to improve its efficiency ratio through cost management and operational efficiencies.</li><li>Capital Management: The company will continue to execute disciplined capital management to support growth and shareholder value.</li></ul><h3>Outlook or Guidance</h3><ul><li>The company expects to close the merger with Cadence Bank in the first quarter of 2026, subject to regulatory approvals and shareholder approval.</li><li>The company anticipates a continued positive performance in fee revenue and net interest income, driven by strategic investments and market expansion.</li><li>The company believes it is well-positioned to outperform through a range of potential economic and interest rate scenarios.</li></ul>

Huntington Bancshares Pref Share HBANL 6.875 Perp 04/15/28 | 10-Q: FY2025 Q3 Revenue: USD 2.134 B