---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-25-000029"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2025-04-17T23:59:59+00:00"
generated_at: "2026-05-23T12:34:06.400543+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Huntington Q1 EPS $0.34, NII up 11% YoY; loans grow 2% LQ

## Summary
- Net income $527M (+26% YoY), EPS $0.34 (+$0.08 YoY); adjusted EPS +$0.06 YoY.
- Net interest income $1.426B (+11% YoY); NIM 3.10% (+9bp YoY, +7bp LQ).
- Average loans $130.9B (+2% LQ, +7% YoY); average deposits $161.6B (+1% LQ, +7% YoY).
- CET1 ratio 10.6% (est.), TCE ratio 6.3%; board approved $1B share repurchase.
- NCO ratio 0.26% (down 4bp LQ); NPA ratio 0.61% (down 2bp LQ); credit stable.

## SEC filing metadata
- accession: 0000049196-25-000029
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2025-04-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/49196/000004919625000029/0000049196-25-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919625000029/hban-20250417.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-25-000029
- JSON: https://secwatch.observer/filing/0000049196-25-000029.json
- Plain text: https://secwatch.observer/filing/0000049196-25-000029.txt

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