---
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"
generated_at: "2026-06-06T21:34:36.021532+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Huntington Q4 GAAP EPS $0.15 ($0.27 adj); NIM 3.07%, loan growth, capital up

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-24-000006
- JSON: https://secwatch.observer/filing/0000049196-24-000006.json
- Plain text: https://secwatch.observer/filing/0000049196-24-000006.txt

## Key facts
- Earnings Releases
  HUNTINGTON BANCSHARES INC /MD/ reported 2023 fourth quarter results: revenue $405 million, net income $243 million, EPS $0.15 per common share.
  - Period: 2023 fourth quarter
  - Revenue: $405 million
  - Net income: $243 million
  - EPS: $0.15 per common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/49196/000004919624000006/0000049196-24-000006-index.htm

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