---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-23-000033"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2023-04-20T23:59:59+00:00"
generated_at: "2026-06-16T22:55:35.433403+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Huntington Q1 2023 EPS $0.39, net income $602M; NIM 3.40%, credit stable

## Summary
- Diluted EPS $0.39 ($0.38 adjusted); net income $602M vs $460M YoY.
- Net interest income $1,409M, down 4% QoQ but up 23% YoY; NIM 3.40% (down 12bp QoQ, up 52bp YoY).
- Average loans $120.4B (+8% YoY); avg core deposits $141.1B (+1% YoY); insured deposits ~$100B (69% of total).
- Net charge-offs 0.19% of avg loans; nonperforming assets declined 7th straight quarter; ACL 1.90% of loans.
- CET1 ratio 9.55% (+19bp QoQ); tangible book value $7.32 per share; TCE ratio 5.77%.

## SEC filing metadata
- accession: 0000049196-23-000033
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2023-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49196/000004919623000033/0000049196-23-000033-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919623000033/hban-20230420.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-23-000033
- JSON: https://secwatch.observer/filing/0000049196-23-000033.json
- Plain text: https://secwatch.observer/filing/0000049196-23-000033.txt

## Key facts
- Earnings Releases
  HUNTINGTON BANCSHARES INC /MD/ reported the quarter ended March 31, 2023 results: net income $602 million, EPS $0.39 per common share.
  - Period: the quarter ended March 31, 2023
  - Net income: $602 million
  - EPS: $0.39 per common share
  - Result: reported results
  source text: Huntington Bancshares Incorporated (Nasdaq: HBAN) reported net income for the 2023 first quarter of $602 million, or $0.39 per common share,
  evidence_url: https://www.sec.gov/Archives/edgar/data/49196/000004919623000033/0000049196-23-000033-index.htm

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