Jun 2026 (Q2 FY26) — Jul 23, 2026
Huntington Bancshares Q2 FY26 — Strong Organic Growth and Successful Cadence Integration
Read the full callHuntington Bancshares (HBAN) earnings
- Mar 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Huntington Bancshares earnings: last reported Thu, 23 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 472 | +34.5% YoY | Quarterly, as filed | Quarter to Mar 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Mar 2026 | Not in the filed figures for the quarter to mar 2026. No older figure is substituted. | ||
| Net profit | 523 | −0.8% YoY | Quarterly, as filed | Quarter to Mar 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
36 of 39 judged targets kept · 27 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Cadence systems conversion | Cadence systems migration to occur midyear 2026 (June) | Dec 2025 | successfully completed the Cadence systems conversion | Achieved |
| Carolinas branches opened in 2026 | more than 20 branches open in 2026 | Jun 2025 | We've opened 8 since the beginning of this year | At Risk |
| Adjusted ROTCE target for 2027 | 16% to 17% (2025 Investor Day medium-term target for 2027); raised to 18% to 19% | Sep 2025 | achieving our '27 ROTCE target of 18% to 19% | On Track |
3 of HUNTINGTON BANCSHARES INC /MD/'s 66 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 63 more targets are in the full ledger.
Claimed
- Adjusted PPNR increased 12% quarter-over-quarter, reflecting strong execution.
- Net interest income increased 8.5% sequentially to $2.1 billion.
- Value-added fee revenues grew 15% sequentially, with organic growth of approximately 30% year-over-year.
- Average loans increased $15 billion or 8.6% sequentially, with organic growth of 1.2% ($2.2 billion) normalizing for Cadence day count.
- Average deposits increased $18.8 billion or 9.2% sequentially, with organic growth of 1.8% ($4 billion) outpacing loan growth.
Qualified
- Net interest margin (NIM) declined 3 basis points sequentially, though management expects Q2 to be the trough.
- NII outlook for the full year is now tracking at the bottom end of the range or modestly below, due to incremental pressure on funding costs.
- Commercial real estate balances modestly declined as planned, and auto production was lower due to return thresholds.
Price
$15.23 −0.26% · −$0.04
Performance −1.7% 1Y
1Y: $15.5 on 17 Oct 2025 → $15.23. High $19.27 (6 Feb 2026), low $15.02 (30 Mar 2026).
- Previous close
- $15.27
- 52-week range
- $15.02 – $19.27
- One year
- −3.85%
Overview
- Symbol
- HBAN
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
36 of 39 judged targets kept · 27 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Cadence systems conversion | Cadence systems migration to occur midyear 2026 (June) | Dec 2025 | successfully completed the Cadence systems conversion | Achieved |
| Carolinas branches opened in 2026 | more than 20 branches open in 2026 | Jun 2025 | We've opened 8 since the beginning of this year | At Risk |
| Adjusted ROTCE target for 2027 | 16% to 17% (2025 Investor Day medium-term target for 2027); raised to 18% to 19% | Sep 2025 | achieving our '27 ROTCE target of 18% to 19% | On Track |
Claimed
- Adjusted PPNR increased 12% quarter-over-quarter, reflecting strong execution.
- Net interest income increased 8.5% sequentially to $2.1 billion.
- Value-added fee revenues grew 15% sequentially, with organic growth of approximately 30% year-over-year.
- Average loans increased $15 billion or 8.6% sequentially, with organic growth of 1.2% ($2.2 billion) normalizing for Cadence day count.
- Average deposits increased $18.8 billion or 9.2% sequentially, with organic growth of 1.8% ($4 billion) outpacing loan growth.
Qualified
- Net interest margin (NIM) declined 3 basis points sequentially, though management expects Q2 to be the trough.
- NII outlook for the full year is now tracking at the bottom end of the range or modestly below, due to incremental pressure on funding costs.
- Commercial real estate balances modestly declined as planned, and auto production was lower due to return thresholds.
The full ledger
Open HUNTINGTON BANCSHARES INC /MD/’s full ledger
A free account opens 5 company ledgers a month. All 66 tracked commitments, with each call’s wording and source.
Call summaries
Mar 2026 (Q1 FY26) — Apr 23, 2026
Huntington Bancshares Q1 FY26 — Strong Performance and Raised ROTCE Target
Read the full callDec 2025 (Q4 FY25) — Jan 22, 2026
Huntington Bancshares Q4 FY25 — Strong Organic Growth and Strategic Partnerships Drive Outperformance
Read the full callEvery analysed call
Huntington Bancshares earnings calls (HBAN)
Financials
What the filings say
Net profit, year on year: −1% (quarter to mar 2026 against mar 2025).
| Line item | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 360 | 362 | 410 | 351 | 377 | 424 | 410 | 472 |
| Profit before tax | 586 | 638 | 669 | 653 | 638 | 766 | 631 | 641 |
| Tax rate | 18.1% | 18.2% | 20.2% | 18.7% | 15.1% | 17.4% | 17.1% | 17.8% |
| Net profit | 474 | 517 | 530 | 527 | 536 | 629 | 519 | 523 |
| EPS ($ per share) | 0.30 | 0.33 | — | 0.34 | 0.35 | 0.41 | — | 0.26 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 11 | 10 | 10 | 14 | 14 | 15 | 15 | 16 |
| Reserves | 1,361 | 2,088 | 1,878 | 2,202 | 3,419 | 4,322 | 5,204 | 6,351 |
| Total liabilities | 97,679 | 97,207 | 110,045 | 154,746 | 165,137 | 169,970 | 184,448 | 200,727 |
| Fixed assets | 790 | 763 | 757 | 1,164 | 1,156 | 1,109 | 1,066 | 1,321 |
| Total assets | 108,781 | 109,002 | 123,038 | 174,064 | 182,906 | 189,368 | 204,230 | 225,106 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 1,726 | 1,574 | 1,323 | 2,062 | 4,027 | 2,657 | 1,836 | 2,482 |
| Cash from investing | -3,663 | -1,877 | -8,639 | -3,962 | -11,609 | -2,997 | -12,119 | -6,347 |
| Cash from financing | 3,089 | -1,199 | 12,741 | 827 | 8,764 | 3,765 | 13,001 | 4,513 |
| Net cash flow | 1,152 | -1,502 | 5,425 | -1,073 | 1,182 | 3,425 | 2,718 | 648 |
| Capital expenditure | -110 | -107 | -119 | -247 | -214 | -140 | -143 | -267 |
| Free cash flow | 1,616 | 1,467 | 1,204 | 1,815 | 3,813 | 2,517 | 1,693 | 2,215 |
HBAN revenue by segment
Consumer and Business Banking shrank from 78% to 72% of revenue over the last two years.
| Segment | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Consumer and Business Banking | 78% | 71% | 79% | 78% | 78% | 74% | 70% | 72% | +22.7% |
| Commercial Banking | 22% | 29% | 21% | 22% | 23% | 25% | 30% | 27% | +61.9% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
HBAN operating KPIs by quarter
| KPI | Dec 2024 Q4 FY24 | Mar 2025 Q1 FY25 | Jun 2025 Q2 FY25 | Sep 2025 Q3 FY25 | Dec 2025 Q4 FY25 | Mar 2026 Q1 FY26 | Change vs prior quarter |
|---|---|---|---|---|---|---|---|
| Employees | — | <20KSo 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 | <20KSo finally, thank you to the nearly 20,000 Huntington colleagues.Source: earnings call transcript | <20KAnd 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 | — |
| 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 | — | — | +0.1 pt |
| 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 | — | — | +0.2 pt |
| 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 | +0.1 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.
Insider filings
323 filings between Oct 21, 2025 and Oct 1, 2026.
Open market
decisions to buy or sellPurchases
$1.76M
17 purchases by 4 insiders
Sales
$8.05M
16 sales by 9 insiders
31% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 233
- Award — granted as compensation
- 10
- Option exercise — converted options into shares
- 38
- Tax withheld — shares kept back by the company to cover tax
Also filed: 9 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| ROLLINS JAMES D III | $905.0K | $3.88M | Jun 12, 2026 |
| Kleinman Scott D | — | $1.32M | Jun 1, 2026 |
| Houston Helga | — | $993.3K | Nov 21, 2025 |
| Kowalski Kendall A | — | $553.0K | Aug 3, 2026 |
| Hingst Marcy C | — | $521.6K | Jun 25, 2026 |
| STEINOUR STEPHEN D | $500.0K | — | Mar 12, 2026 |
| Lawlor Brendan A | — | $330.4K | Feb 10, 2026 |
| TORGOW GARY | $252.9K | — | Feb 19, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 1, 2026 | NEU RICHARD W Director | Award | 1,828 | $0 |
| Oct 1, 2026 | Santhanakrishnan Senthilkumar SEVP; Chief Risk Officer | Award | 852 | $0 |
| Oct 1, 2026 | PORTEOUS DAVID L Director | Award | 1,143 | $0 |
| Oct 1, 2026 | Shea Teresa H Director | Award | 123 | $0 |
| Oct 1, 2026 | Nateri Prashant Chief Corp Operations Officer | Award | 571 | $0 |
| Oct 1, 2026 | Phelan Kenneth J Director | Award | 645 | $0 |
| Oct 1, 2026 | Rodriguez Alice L Director | Award | 96 | $0 |
| Oct 1, 2026 | PORTEOUS DAVID L Director | Award | 150 | $0 |
| Oct 1, 2026 | PORTEOUS DAVID L Director | Award | 683 | $0 |
| Oct 1, 2026 | PORTEOUS DAVID L Director | Award | 1,584 | $0 |
| Oct 1, 2026 | Phelan Kenneth J Director | Award | 1,098 | $0 |
| Oct 1, 2026 | Standridge Brantley J President | Award | 2,820 | $0 |
| Oct 1, 2026 | White Donnell R Chief DEI Officer, SVP | Award | 193 | $0 |
| Oct 1, 2026 | Wasserman Zachary Jacob CFO and Senior Exec. V.P. | Award | 2,699 | $0 |
| Oct 1, 2026 | Kline Katherine M. A. Director | Award | 1,026 | $0 |
| Oct 1, 2026 | Diaz-Granados Rafael Director | Award | 472 | $0 |
| Oct 1, 2026 | Kleinman Scott D Senior Exec. V.P. | Award | 4 | $0 |
| Oct 1, 2026 | Kleinman Scott D Senior Exec. V.P. | Award | 2,220 | $0 |
| Oct 1, 2026 | Miller Timothy W EVP & Chief Communications Off | Award | 681 | $0 |
| Oct 1, 2026 | Maloney Nancy E Executive V.P. and Controller | Award | 1,682 | $0 |
| Oct 1, 2026 | NEU RICHARD W Director | Award | 1,237 | $0 |
| Oct 1, 2026 | Pohmer Sarah E SEVP-CHRO | Award | 1,714 | $0 |
| Oct 1, 2026 | White Donnell R Chief DEI Officer, SVP | Award | 15 | $0 |
| Oct 1, 2026 | Shea Teresa H Director | Award | 308 | $0 |
| Oct 1, 2026 | Sit Roger J Director | Award | 523 | $0 |
| Oct 1, 2026 | Sit Roger J Director | Award | 1,873 | $0 |
| Oct 1, 2026 | STEINOUR STEPHEN D Chairman & CEO | Award | 591 | $0 |
| Oct 1, 2026 | STEINOUR STEPHEN D Chairman & CEO | Award | 7,250 | $0 |
| Oct 1, 2026 | Tate Jeffrey L. Director | Award | 632 | $0 |
| Oct 1, 2026 | Tate Jeffrey L. Director | Award | 54 | $0 |
| Oct 1, 2026 | CRANE ANN B Director | Award | 1,103 | $0 |
| Oct 1, 2026 | CRANE ANN B Director | Award | 1,571 | $0 |
| Oct 1, 2026 | Dhingra Amit Chief Enterprise Pmts Officer | Award | 75 | $0 |
| Oct 1, 2026 | Dhingra Amit Chief Enterprise Pmts Officer | Award | 722 | $0 |
| Oct 1, 2026 | Hepner Virginia A Director | Award | 96 | $0 |
| Oct 1, 2026 | Diaz-Granados Rafael Director | Award | 387 | $0 |
| Oct 1, 2026 | Hingst Marcy C SEVP and General Counsel | Award | 2,258 | $0 |
| Oct 1, 2026 | Inglis John C Director | Award | 1,280 | $0 |
| Oct 1, 2026 | Kowalski Kendall A Chief Information Officer | Award | 715 | $0 |
| Oct 1, 2026 | Kline Katherine M. A. Director | Award | 53 | $0 |
| Oct 1, 2026 | Kowalski Kendall A Chief Information Officer | Award | 72 | $0 |
| Sep 3, 2026 | Miller Timothy W EVP & Chief Communications Off | Tax withheld | 2,465 | $42.1K |
| Aug 3, 2026 | Kowalski Kendall A Chief Information Officer | Sale | 401 | $6.9K |
| Aug 3, 2026 | Kowalski Kendall A Chief Information Officer | Sale | 27,570 | $474.2K |
| Jul 28, 2026 | Sit Roger J Director | Award | 1,803 | $0 |
| Jul 28, 2026 | Shea Teresa H Director | Award | 866 | $0 |
| Jul 28, 2026 | NEU RICHARD W Director | Award | 2,965 | $0 |
| Jul 28, 2026 | Diaz-Granados Rafael Director | Award | 2,489 | $0 |
| Jul 28, 2026 | CRANE ANN B Director | Award | 1,803 | $0 |
| Jul 1, 2026 | PORTEOUS DAVID L Director | Award | 1,317 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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