---
schema_version: "secwatch.filing_event.v1"
accession: "0000049196-26-000060"
form_type: "8-K"
ticker: "HBAN"
cik: "0000049196"
company_name: "HUNTINGTON BANCSHARES INC /MD/"
filed_at: "2026-07-23T10:16:20+00:00"
generated_at: "2026-07-23T10:20:06.460945+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Huntington Q2 EPS $0.33 ($0.39 adjusted); NII up 9% QoQ; Cadence conversion complete

## Summary
- EPS $0.33, adjusted EPS $0.39; up $0.08 from prior quarter.
- Net interest income up $161M (9%) QoQ and $585M (40%) YoY.
- Noninterest income $785M, up $103M (15%) QoQ and $314M (67%) YoY.
- Average loans $189.3B (+9% QoQ); average deposits up $18.8B (+9% QoQ).
- Net charge-offs 0.25% (down 1bp QoQ); NPA ratio 0.85% (up 13bps); ACL $3.4B (1.78%).

## SEC filing metadata
- accession: 0000049196-26-000060
- form_type: 8-K
- ticker: HBAN
- cik: 0000049196
- company_name: HUNTINGTON BANCSHARES INC /MD/
- filed_at: 2026-07-23T10:16:20+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/49196/000004919626000060/0000049196-26-000060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49196/000004919626000060/hban-20260723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-26-000060
- JSON: https://secwatch.observer/filing/0000049196-26-000060.json
- Plain text: https://secwatch.observer/filing/0000049196-26-000060.txt

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