---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-23-000091"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2023-10-20T23:59:59+00:00"
generated_at: "2026-06-09T19:14:03.523129+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Huntington Q3 EPS $0.35 flat QoQ; CET1 ratio expands to 10.10%

## Summary
- GAAP EPS $0.35, adjusted EPS $0.36; net income $547M, down $47M YoY.
- Net interest income $1.368B (+2% QoQ); NIM 3.20% (+9bp QoQ, -22bp YoY).
- Average core deposits +$2.4B QoQ; CET1 ratio up 28bp to 10.10%.
- Net charge-offs 0.24% of avg loans, below target range; NPA ratio 0.52%.
- Tangible book value per share $7.12; dividend $0.155 unchanged.

## SEC filing metadata
- accession: 0000049196-23-000091
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2023-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49196/000004919623000091/0000049196-23-000091-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919623000091/hban-20231020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-23-000091
- JSON: https://secwatch.observer/filing/0000049196-23-000091.json
- Plain text: https://secwatch.observer/filing/0000049196-23-000091.txt

## Key facts
- Earnings Releases
  HUNTINGTON BANCSHARES INC /MD/ reported the quarter ended September 30, 2023 results: net income $547 million, EPS $0.35 per common share.
  - Period: the quarter ended September 30, 2023
  - Net income: $547 million
  - EPS: $0.35 per common share
  - Result: reported results
  source text: Huntington Bancshares Incorporated (Nasdaq: HBAN) reported net income for the 2023 third quarter of $547 million, or $0.35 per common share, a decrease of $47 million, or $0.04, from the year-ago quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/49196/000004919623000091/0000049196-23-000091-index.htm

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