secwatch.observer — SEC 8-K summary
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Issuer:     HUNTINGTON BANCSHARES INC /MD/ (HBAN)
CIK:        0000049196
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0000049196-26-000006
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/49196/000004919626000006/0000049196-26-000006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/49196/000004919626000006/hban-20260122.htm
  HTML page:      https://secwatch.observer/filing/0000049196-26-000006

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer