Huntington Q2 EPS $0.34, NII +12% YoY; announces Veritex merger

HUNTINGTON BANCSHARES INC /MD/

2025-Q2 EPS reported $0.68 revenue$728,000,000

Net income $536M, EPS $0.34 unchanged QoQ, up 13% YoY; ROTCE 16.1% (17.6% ex-items).
Net interest income $1.467B (+12% YoY); NIM expanded 12bp to 3.11% on loan growth.
Average loans $133.2B (+8% YoY); commercial +10%, consumer +6%; deposits +6% YoY.
Credit quality: NCOs 0.20% (down 6bp QoQ); NPAs 0.63%; ACL 1.86% of loans.
Tangible book value $9.13 (+$1.24 or 16% YoY); CET1 ratio 10.5%; Veritex combination announced.

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