Huntington Bancshares (HBAN) Q4 FY25 earnings call

Earnings call· Dec 2025 (Q4 FY25)· Financials· Jan 22, 2026

Source: earnings call transcript

Huntington Bancshares delivered exceptional Q4 FY25 results, marked by robust organic loan and deposit growth, expanding fee revenues, and strong operating leverage. The company's strategic partnerships with Veritex and Cadence are progressing rapidly, with Veritex integration substantially complete and Cadence systems migration expected midyear. Management emphasizes a sustainable growth model driven by continuous investment in digital capabilities, marketing, and talent, positioning the bank for continued outperformance and shareholder value creation.

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HBAN operating KPIs by quarter

HBAN operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Dec 2024 Q4 FY24	Mar 2025 Q1 FY25	Jun 2025 Q2 FY25	Sep 2025 Q3 FY25	This call Dec 2025 Q4 FY25	Mar 2026 Q1 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Employees	—	<20K So finally, thank you to the nearly 20,000 Huntington colleagues, we would not be able to take care of our customers and drive this level of performance, outstanding performance without your efforts. Source: earnings call transcript	<20K So finally, thank you to the nearly 20,000 Huntington colleagues. Source: earnings call transcript	<20K And finally, as usual, I'd like to thank our nearly 20,000 Huntington colleagues who every day look out for each other, for our customers and have driven this performance. Source: earnings call transcript	—	25K+ So finally, let me say thank you to the more than 25,000 colleagues for everything you do to serve our customers and strengthen the franchise every day. Source: earnings call transcript	25K+ Finally, I want to thank our more than 25,000 colleagues for everything they're doing in a year of substantial change within the company their efforts to strengthen and bolster us are deeply appreciated. Source: earnings call transcript	—
Return on tangible common equity (ROTCE)	16.4% Return on tangible common equity, or ROTCE, came in at 16.4% for the quarter. Source: earnings call transcript	16.7% Return on tangible common equity, or ROTCE, came in at 16.7% for the quarter. Source: earnings call transcript	—	—	—	—	—	+0.3 pt
Common equity tier 1 ratio (CET1)	10.5% CET1 ended the quarter at 10.5% and increased roughly 30 basis points from last year. Source: earnings call transcript	10.6% Reported CET1 ended the quarter at 10.6%, increasing approximately 40 basis points from last year. Source: earnings call transcript	10.5% Reported common equity Tier 1 ended the quarter at 10.5%. Source: earnings call transcript	10.6% Reported CET1 ended the quarter at 10.6% with adjusted CET1 at 9.2%, up 30 basis points from last year and within our target operating range. Source: earnings call transcript	—	—	10.1% Reported CET1 ended the quarter at 10.1%. Source: earnings call transcript	—
Common equity tier 1 ratio (CET1) Adjusted including AOCI	8.7% Adjusted Common Equity Tier 1, including AOCI, was 8.7%. Source: earnings call transcript	8.9% Our capital levels improved as well with adjusted CET1 growing by 20 basis points from the prior quarter to 8.9%. Source: earnings call transcript	9% In the quarter, we drove adjusted CET1 higher to 9%, hitting the lower bound of our targeted operating range of 9% to 10%. Source: earnings call transcript	9.2% Reported CET1 ended the quarter at 10.6% with adjusted CET1 at 9.2%, up 30 basis points from last year and within our target operating range. Source: earnings call transcript	—	—	8.9% Adjusted CET1 was 8.9%. Source: earnings call transcript	—
Net interest margin	3.03% Net interest margin was 3.03% for the fourth quarter, up 5 basis points from the prior quarter. Source: earnings call transcript	3.1% Net interest margin was 3.1% for the first quarter, up 7 basis points from the prior quarter. Source: earnings call transcript	3.11% Net interest margin was 3.11% for the second quarter, up 1 basis point from the prior quarter. Source: earnings call transcript	3.13% Net interest margin was 3.13% for the third quarter, up 2 basis points from the prior quarter. Source: earnings call transcript	3.15% Net interest margin was 3.15% for the fourth quarter, up 2 basis points from the prior quarter and aligned to our outlook. Source: earnings call transcript	3.24% Net interest margin was 3.24%, up 9 basis points from the prior quarter. Source: earnings call transcript	3.25% Net interest margin increased 4 basis points to 3.25%, reflecting higher asset yields, lower average Fed cash as well as continued optimization of our interest-bearing liabilities. Source: earnings call transcript	0 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.