Huntington Q3 2026 EPS $0.33 vs $0.41 a year ago; adjusted EPS $0.38, charge-off ratio rises to 0.31%

HUNTINGTON BANCSHARES INC /MD/

Net income applicable to common shares $680M; total revenue $2,791M versus $2,837M in 2Q26 and $2,134M in 3Q25.
Net interest income $2,069M rose 1% quarter-over-quarter; NIM of 3.25% was up 4 bps on higher investment securities yields and modestly lower funding costs.
Noninterest income $722M fell 8% QoQ on lower capital markets fees and unfavorable equity valuation adjustments; noninterest expense $1,772M was flat excluding acquisition costs.
Net charge-off ratio 0.31% vs 0.25% in 2Q26 and 0.22% in 3Q25; nonperforming asset ratio 0.90% vs 0.85%; allowance for credit losses ratio 1.75%.
CET1 10.1%, adjusted CET1 8.9%, TCE ratio 6.9%; TBV per share $9.47, down $0.18 (2%) on AOCI; repurchased $100M of shares in Q3, $409M year-to-date (~25M shares).

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