Analyst Consensus ?
ConsensusHold49 ratings
Bullish2347.0%
Neutral2346.9%
Bearish36.1%
Huntington Bancshares Incorporated · HBAN · FY2025 Q2 · Calendar Q3 2025
Huntington raises growth outlook as Veritex expands Texas strategy
The supplied analysis supports a constructive near-term operating thesis: Huntington reported strong loan, deposit, and fee momentum and raised guidance. The thesis remains dependent on executing Veritex integration, sustaining newer loan initiatives, and managing deposit costs and interest-rate sensitivity.
Reported Before market openNASDAQFinancial Services
$30.95B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.38
Consensus $0.33
EPS surprise
+13.7%
Reported versus consensus
Reported revenue
$1.94B
Consensus $1.97B
Revenue surprise
-1.7%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-1.6%
Event window
SPY move
-0.1%
Same window
Abnormal move
-1.5%
Stock minus SPY
Volume
1.5×
Versus trailing sessions
Subsequent drift
-0.8%
Up to 20 sessions
HBANSPY benchmark
Ask FN2 about HBAN FY2025 Q2
Transcript, numbers and history already loaded
Why did HBAN fall 1.6% after beating EPS estimates in FY2025 Q2?What changed in HBAN's guidance and outlook in FY2025 Q2?Give me the bull and bear case for HBAN after FY2025 Q2 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior-quarter analysis, management added the pending Veritex acquisition, raised full-year loan, deposit, and net interest income guidance, and increased the expense outlook because of incentive compensation tied to revenue outperformance.
Guidance delta
Management raised full-year loan, deposit, and net interest income growth guidance; expense outlook also rose with incentive compensation.
Key takeaways
- Management described double-digit loan, deposit, and fee growth in Q2.
- The Veritex acquisition is intended to accelerate Texas expansion.
- Capital strength and fee growth remain central to the strategy.
Management priorities
- Close and integrate Veritex
- Expand branches in North and South Carolina
- Invest in Florida middle-market banking and fee businesses
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Try FN2 freeEarnings History
Estimate
Beat
Miss
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Analyst 52W Price Targets
$15.32Current
$14.5Low
$18.62Average
$23High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 10, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Oct 6, 2026 |
| UBS | Buy | Buy | Maintain | Oct 5, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Oct 2, 2026 |
| Truist Securities | Buy | Buy | Maintain | Sep 23, 2026 |
| DA Davidson | Buy | Buy | Maintain | Sep 21, 2026 |
| Evercore ISI Group | Outperform | Outperform | Maintain | Sep 18, 2026 |
| Wells Fargo | Overweight | Overweight | Maintain | Sep 16, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Aug 18, 2026 |
| B of A Securities | Neutral | Buy | Downgrade | Jul 27, 2026 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Jul 24, 2026 |
| Morgan Stanley | Equal Weight | Overweight | Downgrade | Jul 24, 2026 |
| Baird | Outperform | Outperform | Maintain | Jul 24, 2026 |
| Jefferies | Hold | Buy | Downgrade | Jul 6, 2026 |
| Barclays | Equal Weight | Equal Weight | Maintain | Jan 5, 2026 |
| Piper Sandler | Underweight | Underweight | Maintain | Dec 10, 2025 |
| TD Cowen | Buy | Buy | Maintain | Oct 20, 2025 |
| Raymond James | Strong Buy | Strong Buy | Maintain | Oct 20, 2025 |
| Wolfe Research | Outperform | Peer Perform | Upgrade | Jul 3, 2025 |
| Citigroup | Buy | Buy | Maintain | Jul 2, 2025 |
| Goldman Sachs | Buy | Buy | Maintain | Nov 26, 2024 |
| Argus Research | Buy | Buy | Maintain | Jul 22, 2024 |
| Wedbush | Neutral | Neutral | Maintain | Apr 21, 2023 |
| Deutsche Bank | Hold | Hold | Maintain | Sep 12, 2022 |
| BMO Capital | Market Perform | Market Perform | Maintain | Jul 24, 2020 |
| Nomura | Neutral | Neutral | Maintain | Apr 7, 2020 |
| CFRA | Hold | Hold | Maintain | Apr 6, 2020 |
| Bank of America | Neutral | Buy | Downgrade | Oct 25, 2019 |
| Macquarie | Underperform | Neutral | Downgrade | Jul 12, 2019 |
| Argus | Hold | Hold | Maintain | May 31, 2019 |
| Sandler O'Neill | Hold | Buy | Downgrade | Nov 29, 2018 |
| Hilliard Lyons | Buy | Neutral | Upgrade | Feb 9, 2018 |
| Bernstein | Outperform | Market Perform | Upgrade | Sep 14, 2017 |
| JMP Securities | Perform | Market Perform | Maintain | Aug 31, 2017 |
| PiperJaffray | Overweight | Neutral | Upgrade | Aug 11, 2017 |
| FBR Capital | Market Perform | Outperform | Downgrade | Oct 11, 2016 |
| Sterne Agee CRT | Buy | Neutral | Upgrade | Apr 6, 2016 |
| Sterne Agee | Buy | Neutral | Upgrade | Apr 6, 2016 |
| Credit Suisse | Neutral | Neutral | Maintain | Jan 22, 2016 |
| Guggenheim | Buy | Neutral | Upgrade | Aug 28, 2015 |
| CLSA | Underperform | Underperform | Maintain | Jul 8, 2015 |
| SunTrust Robinson Humphrey | Neutral | Neutral | Maintain | Jun 29, 2015 |
| Canaccord Genuity | Hold | Buy | Downgrade | May 11, 2015 |
| Keefe Bruyette & Woods | Market Perform | Outperform | Downgrade | Apr 24, 2015 |
| Miller Tabak | Buy | Hold | Upgrade | Mar 9, 2015 |
| Portales Partners | Sector Perform | Underperform | Upgrade | Jul 21, 2014 |
| ISI Group | Neutral | Neutral | Maintain | Oct 7, 2013 |
| Compass Point | Neutral | Buy | Downgrade | Apr 18, 2013 |
| Evercore Partners | Overweight | Equal Weight | Upgrade | Dec 19, 2012 |
| Bank oferica | Buy | Buy | Maintain | May 9, 2012 |
Named analyst price targets
Upside is calculated against the persisted current price $15.32. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| UBS | Analyst unavailable | $18 | $15.36 | +17.5% | Oct 6, 2026 |
| UBS | Erika Najarian | $19 | $15.33 | +24.0% | Oct 5, 2026 |
| Truist Financial | Analyst unavailable | $19 | $15.69 | +24.0% | Sep 23, 2026 |
| D.A. Davidson | Peter Winter | $20 | $15.94 | +30.5% | Sep 21, 2026 |
| Wells Fargo | Analyst unavailable | $21 | $15.93 | +37.1% | Sep 16, 2026 |
| Wells Fargo | Mike Mayo | $23 | $17.91 | +50.1% | Aug 17, 2026 |
| Truist Financial | Analyst unavailable | $20 | $17.24 | +30.5% | Jul 28, 2026 |
| Robert W. Baird | David George | $21 | $17.4 | +37.1% | Jul 24, 2026 |
| Stephens | Analyst unavailable | $19 | $17.4 | +24.0% | Jul 24, 2026 |
| Jefferies | Analyst unavailable | $18 | $17.4 | +17.5% | Jul 23, 2026 |
| UBS | Analyst unavailable | $22 | $18.03 | +43.6% | Jul 7, 2026 |
| Evercore ISI | John Pancari | $21 | $17.76 | +37.1% | Jul 6, 2026 |
| Jefferies | Analyst unavailable | $19 | $17.86 | +24.0% | Jul 6, 2026 |
| Morgan Stanley | Analyst unavailable | $21 | $17.81 | +37.1% | Jun 29, 2026 |
| Evercore ISI | Analyst unavailable | $20 | $17.21 | +30.5% | Jun 12, 2026 |
| Piper Sandler | Analyst unavailable | $18 | $16.62 | +17.5% | Apr 23, 2026 |
| Robert W. Baird | Analyst unavailable | $20 | $16.12 | +30.5% | Mar 9, 2026 |
| UBS | Analyst unavailable | $21 | $19.08 | +37.1% | Feb 4, 2026 |
| National Bank | Manan Gosalia | $21 | $18.39 | +37.1% | Feb 4, 2026 |
| RBC Capital | Analyst unavailable | $21 | $17.8 | +37.1% | Jan 12, 2026 |
| Wolfe Research | Analyst unavailable | $21 | $18.1 | +37.1% | Jan 7, 2026 |
| Goldman Sachs | Ryan Nash | $21 | $17.99 | +37.1% | Jan 6, 2026 |
| Barclays | Analyst unavailable | $20 | $17.48 | +30.5% | Jan 5, 2026 |
| RBC Capital | Analyst unavailable | $20 | $17.62 | +30.5% | Dec 19, 2025 |
| Piper Sandler | Analyst unavailable | $16 | $17 | +4.4% | Dec 10, 2025 |
| Evercore ISI | John Pancari | $18 | $15.97 | +17.5% | Oct 21, 2025 |
| Morgan Stanley | Analyst unavailable | $23 | $17.42 | +50.1% | Sep 29, 2025 |
| Argus Research | Kevin Heal | $17 | $14.46 | +11.0% | Apr 25, 2025 |
| Truist Financial | Brian Foran | $21 | $16.55 | +37.1% | Jan 21, 2025 |
| Citigroup | Keith Horowitz | $18 | $15.36 | +17.5% | Oct 21, 2024 |
| Piper Sandler | Scott Siefers | $15 | $15.43 | -2.1% | Oct 18, 2024 |
| Morgan Stanley | Manan Gosalia | $18 | $13.75 | +17.5% | Aug 5, 2024 |
| Robert W. Baird | David George | $15 | $15.06 | -2.1% | Jul 26, 2024 |
| Argus Research | Kevin Heal | $16 | $15.01 | +4.4% | Jul 22, 2024 |
| RBC Capital | Jon Arfstrom | $17 | $14.86 | +11.0% | Jul 22, 2024 |
| Morgan Stanley | Manan Gosalia | $16 | $14.8 | +4.4% | Jul 22, 2024 |
| D.A. Davidson | Peter Winter | $17.5 | $15.01 | +14.2% | Jul 22, 2024 |
| Stephens | Terry McEvoy | $16 | $15.01 | +4.4% | Jul 22, 2024 |
| Piper Sandler | Scott Siefers | $11.5 | $12.34 | -24.9% | Jun 14, 2024 |
| Piper Sandler | Scott Siefers | $13.5 | $12.77 | -11.9% | Jun 10, 2024 |
| Jefferies | Ken Usdin | $16 | $13.6 | +4.4% | Apr 8, 2024 |
| Stephens | Terry McEvoy | $15 | $13.95 | -2.1% | Apr 1, 2024 |
| UBS | Erika Naharian | $15 | $12.72 | -2.1% | Feb 14, 2024 |
| D.A. Davidson | Analyst unavailable | $15 | $14 | -2.1% | Dec 21, 2022 |
| J.P. Morgan | Analyst unavailable | $14.5 | $14.54 | -5.4% | Dec 13, 2022 |
| Morgan Stanley | Analyst unavailable | $19 | $15.46 | +24.0% | Dec 5, 2022 |
| Raymond James | Analyst unavailable | $18 | $14.1 | +17.5% | Apr 22, 2022 |
| RBC Capital | Jon Arfstrom | $19 | $15.03 | +24.0% | Jan 21, 2022 |
| Barclays | Jason Goldberg | $17 | $15.64 | +11.0% | Jan 3, 2022 |
| Stephens | Terry McEvoy | $17.5 | $15.55 | +14.2% | Nov 9, 2021 |
| Goldman Sachs | Ryan Nash | $18 | $14.27 | +17.5% | Aug 18, 2021 |
| KBW | David Konrad | $15 | $13.56 | -2.1% | Jul 6, 2021 |
Track every rating change on HBAN the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationHuntington Bancshares Incorporated, established in Columbus, Ohio, in 1866, operates as the bank holding company for The Huntington National Bank, providing a comprehensive suite of commercial, consumer, and mortgage banking services across the United States. Its operations are organized into four key segments. The Consumer and Business Banking segment offers essential financial products to individuals and small businesses, including checking, savings, money market, and certificate of deposit accounts, along with credit cards, various loans, and investment opportunities. This segment also facilitates mortgages, insurance, interest rate risk protection, foreign exchange, and provides convenient access through ATMs, online, mobile, and telephone banking.…
Historical context
All HBAN earningsFinancial Services peers this season
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| FDS FactSet Research Systems Inc. | FY2026 Q4 · Calendar Q3 2026 | +3.9% | +3.8% | FactSet reports record FY26 results as AI and MCP adoption accelerate |
| PUK Prudential plc | FY2026 Q2 · Calendar Q3 2026 | -40.9% | -0.5% | Prudential sustains growth and capital returns focus in H1 2026 |
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
Latest beats and misses
Who reports nextBeat on EPS
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:55.686058+00:00
- Polygon adjusted daily market bars · 2026-10-10T04:30:41.741060+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-10T04:30:41.737848+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-10. For educational purposes only; not investment advice.