{"schema_version":"secwatch.filing_event.v1","accession":"0000049196-26-000084","form_type":"8-K","ticker":"HBAN","cik":"0000049196","company_name":"HUNTINGTON BANCSHARES INC /MD/","filed_at":"2026-10-22T10:19:09+00:00","discovered_at":"2026-10-22T10:20:00.249673+00:00","generated_at":"2026-10-22T10:20:06.456907+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.62,"calibrated_materiality_score":0.62,"confidence":"high","headline":"Huntington Q3 2026 EPS $0.33 vs $0.41 a year ago; adjusted EPS $0.38, charge-off ratio rises to 0.31%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000049196-26-000084","json":"https://secwatch.observer/filing/0000049196-26-000084.json","markdown":"https://secwatch.observer/filing/0000049196-26-000084.md","text":"https://secwatch.observer/filing/0000049196-26-000084.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/49196/000004919626000084/0000049196-26-000084-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/49196/000004919626000084/hban-20261022.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T10:20:06.456907+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}