Q4 2025 Huntington Bancshares Inc Earnings Call Transcript

Jan 22, 2026 / 02:00PM GMT

Transcript 8-K

Key Points

Positve

Huntington Bancshares Inc (HBAN) reported strong financial performance for 2025, with 11% revenue growth and 16% adjusted EPS growth.
The company achieved significant organic growth, with a 14.4% year-over-year increase in average loans and an 8.6% increase in average deposits.
Huntington Bancshares Inc (HBAN) successfully integrated Veritex, realizing targeted cost synergies and enhancing its market presence.
The company expanded its capabilities with strategic investments, including the addition of TM Capital and Janney Capital Markets, enhancing its financial advisory and capital markets services.
Huntington Bancshares Inc (HBAN) maintained strong credit performance, with net charge-offs at 24 basis points and stable forward-looking credit metrics.

Negative

The integration of Cadence is still underway, with systems migration expected midyear, which may pose operational challenges.
The company faces a competitive deposit environment, requiring disciplined pricing to maintain growth.
Huntington Bancshares Inc (HBAN) anticipates core expenses to grow by 10% to 11%, which could impact operating leverage.
There is uncertainty regarding the full realization of revenue synergies from recent partnerships, as these are not yet fully reflected in the guidance.
The company is exposed to potential risks from commercial real estate loans, particularly in construction, which it plans to manage over time.

Operator

Greetings, and welcome to the Huntington Bancshares fourth-quarter 2025 earnings conference call and webcast. (Operator Instructions) As a reminder, this conference is being recorded.

It's now my pleasure to turn the call over to Eric Wasserstrom, Director of Investor Relations. Eric, please go ahead.

Eric Wasserstrom

Huntington Bancshares Inc - Director of Investor Relations

Thank you. Good morning, and welcome, everyone, to our fourth quarter call. Our presenters today are Steve Steinour, Chairman, President, and CEO; Brant Standridge, our President of Consumer and Regional Banking; and Zach Wasserman, Chief Financial Officer; Brendan Lawlor, Chief Credit Officer, will join us for the Q&A.

Earnings documents, which include our forward-looking statements disclaimer and non-GAAP information, and copies of the slides we'll be reviewing today are available on the Investor Relations section of our website, which is www.ir.huntington.com.

As a reminder, this call

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