Analyst Consensus ?
ConsensusHold49 ratings
Bullish2347.0%
Neutral2346.9%
Bearish36.1%
Huntington Bancshares Incorporated · HBAN · FY2025 Q4 · Calendar Q1 2026
HBAN: Strong 2026 Outlook Meets Integration Execution Risk
Management's growth outlook is supported by loan, deposit and fee-revenue expansion, but the thesis depends on disciplined Cadence integration and expense execution.
Reported Before market openNASDAQFinancial Services
$31.60B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.31
Consensus $0.33
EPS surprise
-6.3%
Reported versus consensus
Reported revenue
$2.19B
Consensus $2.20B
Revenue surprise
-0.5%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-6.0%
Event window
SPY move
+0.5%
Same window
Abnormal move
-6.5%
Stock minus SPY
Volume
3.9×
Versus trailing sessions
Subsequent drift
+2.1%
Up to 20 sessions
HBANSPY benchmark
Ask FN2 about HBAN FY2025 Q4
Transcript, numbers and history already loaded
Why did HBAN fall 6.0% after missing EPS estimates in FY2025 Q4?What changed in HBAN's guidance and outlook in FY2025 Q4?Give me the bull and bear case for HBAN after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The focus has shifted from completed Veritex integration to Cadence closing, synergy capture and the intensity of 2026 digital, AI, marketing and branch investment.
Guidance delta
Raised; the analysis cites 2026 targets of 11–12% loan growth, 8–9% deposit growth, 10–13% NII growth and 13–16% fee-revenue growth.
Key takeaways
- Management described 2025 as a record year, with 11% revenue growth and strong operating leverage.
- Veritex integration is complete; Cadence closing and synergy capture are the next major execution milestones.
- The 2026 outlook calls for double-digit loan growth, higher net interest income and fee-revenue growth.
- Digital, AI, marketing and branch investments are intended to support customer acquisition and operating efficiency.
Management priorities
- Complete Cadence integration and capture associated synergies.
- Continue branch expansion in North and South Carolina and Texas.
- Invest in digital, AI and marketing to support customer acquisition.
- Expand commercial specialty verticals and capital-markets capabilities.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$15.3Current
$14.5Low
$18.73Average
$23High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Sep 28, 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 |
|---|---|---|---|---|
| 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 |
| UBS | Buy | Buy | Maintain | Jul 7, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Jul 6, 2026 |
| Jefferies | Hold | Buy | Downgrade | Jul 6, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Jan 23, 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 $15.3. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Truist Financial | Analyst unavailable | $19 | $15.69 | +24.2% | Sep 23, 2026 |
| D.A. Davidson | Peter Winter | $20 | $15.94 | +30.7% | Sep 21, 2026 |
| Wells Fargo | Analyst unavailable | $21 | $15.93 | +37.3% | Sep 16, 2026 |
| Wells Fargo | Mike Mayo | $23 | $17.91 | +50.3% | Aug 17, 2026 |
| Truist Financial | Analyst unavailable | $20 | $17.24 | +30.7% | Jul 28, 2026 |
| Robert W. Baird | David George | $21 | $17.4 | +37.3% | Jul 24, 2026 |
| Stephens | Analyst unavailable | $19 | $17.4 | +24.2% | Jul 24, 2026 |
| Jefferies | Analyst unavailable | $18 | $17.4 | +17.6% | Jul 23, 2026 |
| UBS | Analyst unavailable | $22 | $18.03 | +43.8% | Jul 7, 2026 |
| Evercore ISI | John Pancari | $21 | $17.76 | +37.3% | Jul 6, 2026 |
| Jefferies | Analyst unavailable | $19 | $17.86 | +24.2% | Jul 6, 2026 |
| Morgan Stanley | Analyst unavailable | $21 | $17.81 | +37.3% | Jun 29, 2026 |
| Evercore ISI | Analyst unavailable | $20 | $17.21 | +30.7% | Jun 12, 2026 |
| Piper Sandler | Analyst unavailable | $18 | $16.62 | +17.6% | Apr 23, 2026 |
| Robert W. Baird | Analyst unavailable | $20 | $16.12 | +30.7% | Mar 9, 2026 |
| UBS | Analyst unavailable | $21 | $19.08 | +37.3% | Feb 4, 2026 |
| National Bank | Manan Gosalia | $21 | $18.39 | +37.3% | Feb 4, 2026 |
| RBC Capital | Analyst unavailable | $21 | $17.8 | +37.3% | Jan 12, 2026 |
| Wolfe Research | Analyst unavailable | $21 | $18.1 | +37.3% | Jan 7, 2026 |
| Goldman Sachs | Ryan Nash | $21 | $17.99 | +37.3% | Jan 6, 2026 |
| Barclays | Analyst unavailable | $20 | $17.48 | +30.7% | Jan 5, 2026 |
| RBC Capital | Analyst unavailable | $20 | $17.62 | +30.7% | Dec 19, 2025 |
| Piper Sandler | Analyst unavailable | $16 | $17 | +4.6% | Dec 10, 2025 |
| Evercore ISI | John Pancari | $18 | $15.97 | +17.6% | Oct 21, 2025 |
| Morgan Stanley | Analyst unavailable | $23 | $17.42 | +50.3% | Sep 29, 2025 |
| Argus Research | Kevin Heal | $17 | $14.46 | +11.1% | Apr 25, 2025 |
| Truist Financial | Brian Foran | $21 | $16.55 | +37.3% | Jan 21, 2025 |
| Citigroup | Keith Horowitz | $18 | $15.36 | +17.6% | Oct 21, 2024 |
| Piper Sandler | Scott Siefers | $15 | $15.43 | -2.0% | Oct 18, 2024 |
| Morgan Stanley | Manan Gosalia | $18 | $13.75 | +17.6% | Aug 5, 2024 |
| Robert W. Baird | David George | $15 | $15.06 | -2.0% | Jul 26, 2024 |
| Argus Research | Kevin Heal | $16 | $15.01 | +4.6% | Jul 22, 2024 |
| RBC Capital | Jon Arfstrom | $17 | $14.86 | +11.1% | Jul 22, 2024 |
| Morgan Stanley | Manan Gosalia | $16 | $14.8 | +4.6% | Jul 22, 2024 |
| D.A. Davidson | Peter Winter | $17.5 | $15.01 | +14.4% | Jul 22, 2024 |
| Stephens | Terry McEvoy | $16 | $15.01 | +4.6% | Jul 22, 2024 |
| Piper Sandler | Scott Siefers | $11.5 | $12.34 | -24.8% | Jun 14, 2024 |
| Piper Sandler | Scott Siefers | $13.5 | $12.77 | -11.8% | Jun 10, 2024 |
| Jefferies | Ken Usdin | $16 | $13.6 | +4.6% | Apr 8, 2024 |
| Stephens | Terry McEvoy | $15 | $13.95 | -2.0% | Apr 1, 2024 |
| UBS | Erika Naharian | $15 | $12.72 | -2.0% | Feb 14, 2024 |
| D.A. Davidson | Analyst unavailable | $15 | $14 | -2.0% | Dec 21, 2022 |
| J.P. Morgan | Analyst unavailable | $14.5 | $14.54 | -5.2% | Dec 13, 2022 |
| Morgan Stanley | Analyst unavailable | $19 | $15.46 | +24.2% | Dec 5, 2022 |
| Raymond James | Analyst unavailable | $18 | $14.1 | +17.6% | Apr 22, 2022 |
| RBC Capital | Jon Arfstrom | $19 | $15.03 | +24.2% | Jan 21, 2022 |
| Barclays | Jason Goldberg | $17 | $15.64 | +11.1% | Jan 3, 2022 |
| Stephens | Terry McEvoy | $17.5 | $15.55 | +14.4% | Nov 9, 2021 |
| Goldman Sachs | Ryan Nash | $18 | $14.27 | +17.6% | Aug 18, 2021 |
| KBW | David Konrad | $15 | $13.56 | -2.0% | 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
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| 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 |
| RY Royal Bank of Canada | FY2026 Q3 · Calendar Q3 2026 | +6.2% | -1.3% | RBC reports record Q3 earnings while investing for growth |
| AFRM Affirm Holdings, Inc. | FY2026 Q4 · Calendar Q3 2026 | +1230.3% | +0.3% | Affirm's most profitable quarter shifts focus to product execution |
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Get the HBAN recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-09-28T22:10:59.987715+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-09-28T22:10:59.984883+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 2026-09-28. For educational purposes only; not investment advice.