---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-26-000006"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:05:58.767956+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Huntington Q4 GAAP EPS $0.30, adj. $0.37; NII +14% YoY; Cadence close Feb 1

## Summary
- GAAP net income $519M ($0.30 EPS); adjusted EPS $0.37, up $0.03 YoY.
- Net interest income $1.59B, +14% YoY; NIM expanded 12bp to 3.15%.
- Average loans +14% YoY to $146.6B; deposits +9% to $173.2B; Veritex integration complete.
- Net charge-offs 0.24% (stable); ACL 1.83%; CET1 ratio 10.4% (estimated).
- Acquisition-related expenses $154M pretax; Cadence Bank partnership to close Feb 1, 2026.

## SEC filing metadata
- accession: 0000049196-26-000006
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/49196/000004919626000006/0000049196-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919626000006/hban-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-26-000006
- JSON: https://secwatch.observer/filing/0000049196-26-000006.json
- Plain text: https://secwatch.observer/filing/0000049196-26-000006.txt

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