{"schema_version":"secwatch.filing_event.v1","accession":"0000049196-24-000006","form_type":"8-K","ticker":"HBAN","cik":"0000049196","company_name":"HUNTINGTON BANCSHARES INC /MD/","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.632035+00:00","generated_at":"2026-06-06T21:34:36.021532+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Huntington Q4 GAAP EPS $0.15 ($0.27 adj); NIM 3.07%, loan growth, capital up","bullets":["Net income $243M ($0.15 diluted); adjusted EPS $0.27 after excluding $0.12 from FDIC special assessment and other items.","Net interest income $1.316B (-10% YoY); net interest margin 3.07%, down 45bp YoY as funding costs rose.","Average total loans and leases $121.2B (+2% YoY); average core deposits $144.4B (+3% YoY).","CET1 ratio improved 15bp to 10.25%; tangible book value per share rose to $7.79 from $7.12 in Q3.","Credit quality remained solid: NCOs 0.31% of loans, NPA ratio 0.58%, ACL 1.97%."],"urls":{"canonical":"https://secwatch.observer/filing/0000049196-24-000006","json":"https://secwatch.observer/filing/0000049196-24-000006.json","markdown":"https://secwatch.observer/filing/0000049196-24-000006.md","text":"https://secwatch.observer/filing/0000049196-24-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/49196/000004919624000006/0000049196-24-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/49196/000004919624000006/hban-20240119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:34:36.021532+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"0a757f3f947feda3d6c8339451090d1984735741","claim":"HUNTINGTON BANCSHARES INC /MD/ reported 2023 fourth quarter results: revenue $405 million, net income $243 million, EPS $0.15 per common share.","evidence_excerpt":"or 4%, from the prior quarter, and decreased $146 million, or 10%, from the year-ago quarter. • Noninterest income decreased $104 million, or 20%, from the prior quarter, to $405 million . Noninterest income in the fourth quarter was reduced by $74 million, compared to an increase of $33 million in the third quarter due to the mark-to-market on pay-fixed","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/49196/000004919624000006/0000049196-24-000006-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"2023 fourth quarter"},{"label":"Revenue","value":"$405 million"},{"label":"Net income","value":"$243 million"},{"label":"EPS","value":"$0.15 per common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}