---
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"
generated_at: "2026-10-22T10:20:06.456907+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.62
calibrated_materiality_score: 0.62
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.62
- calibrated_materiality_score: 0.62
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049196-26-000084
- JSON: https://secwatch.observer/filing/0000049196-26-000084.json
- Plain text: https://secwatch.observer/filing/0000049196-26-000084.txt

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