---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-23-000006"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2023-01-20T23:59:59+00:00"
generated_at: "2026-06-20T12:45:40.788011+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Huntington reports record Q4 EPS $0.42, full-year net income $2.2B, authorizes $1B buyback

## Summary
- Q4 GAAP EPS $0.42 (adjusted $0.43); net income $645M, up 61% YoY.
- Full-year net income $2.2B (+73% YoY); EPS $1.45 (adjusted $1.50); PPNR $3.1B (+88% YoY).
- Net interest margin expanded 67bp YoY to 3.52%; average loans up $1.9B QoQ.
- Credit quality: NCOs 0.17%, NPAs down for 6th straight quarter; CET1 ratio 9.44%.
- Board approved $1B share repurchase authorization over eight quarters; TCF cost synergies completed.

## SEC filing metadata
- accession: 0000049196-23-000006
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2023-01-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49196/000004919623000006/0000049196-23-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919623000006/hban-20230120.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-23-000006
- JSON: https://secwatch.observer/filing/0000049196-23-000006.json
- Plain text: https://secwatch.observer/filing/0000049196-23-000006.txt

## Key facts
- Earnings Releases
  HUNTINGTON BANCSHARES INC /MD/ reported financial results for the quarter and year ended December 31, 2022.
  - Period: the quarter and year ended December 31, 2022
  - Result: reported results
  source text: On January 20, 2023, Huntington Bancshares Incorporated (“Huntington”) issued a news release announcing its earnings for the quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/49196/000004919623000006/0000049196-23-000006-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.