---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-25-000075"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2025-10-17T23:59:59+00:00"
generated_at: "2026-05-17T03:28:46.591683+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# HBAN Q3 EPS $0.41, net income $629M; Veritex merger closes Oct 20

## Summary
- Diluted EPS $0.41, up $0.07 QoQ; net income $629M, +17% from Q2.
- Average loans $135.9B, +9% YoY; net interest margin 3.13%, +2bp QoQ.
- Noninterest income $628M, +33% QoQ, including $24M gain on trust business sale.
- Net charge-offs remain low at 0.22%; tangible book value per share $9.54, +10% YoY.
- Veritex combination set for Oct 20, 2025; integration underway.

## SEC filing metadata
- accession: 0000049196-25-000075
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2025-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49196/000004919625000075/0000049196-25-000075-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919625000075/hban-20251017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-25-000075
- JSON: https://secwatch.observer/filing/0000049196-25-000075.json
- Plain text: https://secwatch.observer/filing/0000049196-25-000075.txt

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