---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-25-000006"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2025-01-17T23:59:59+00:00"
generated_at: "2026-05-27T23:33:55.711255+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Huntington Q4 EPS $0.34, Net Interest Income up 6% YoY, Record Fee Income

## Summary
- Diluted EPS $0.34, up $0.01 QoQ and $0.19 YoY; net income $530M.
- Net interest income $1,395M, up 3% QoQ and 6% YoY; NIM 3.03% (up 5bp QoQ).
- Noninterest income $559M (record), up 7% QoQ; capital markets fees up 54% QoQ.
- Average loans and leases $128.2B, up 3% QoQ and 6% YoY; commercial loans drove growth.
- Net charge-offs 0.30% stable; CET1 ratio 10.5%; tangible book value $8.33/share.

## SEC filing metadata
- accession: 0000049196-25-000006
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2025-01-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/49196/000004919625000006/0000049196-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919625000006/hban-20250117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-25-000006
- JSON: https://secwatch.observer/filing/0000049196-25-000006.json
- Plain text: https://secwatch.observer/filing/0000049196-25-000006.txt

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