Analyst Consensus ?
ConsensusHold35 ratings
Bullish1131.4%
Neutral2262.9%
Bearish25.7%
Huntington Bancshares Incorporated · HBANL · FY2025 Q4 · Calendar Q1 2026
Huntington outlines faster growth, investment and integration priorities
Huntington's outlook is constructive: management paired raised 2026 growth guidance with continued investment and expansion. The central test is whether Cadence integration, new-market growth and fee initiatives convert that spending into durable earnings while credit and funding risks remain controlled.
Reported Before market openNASDAQFinancial Services
$34.18B market cap
90quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.30
Consensus $0.33
EPS surprise
-9.3%
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
-0.1%
Event window
SPY move
+0.5%
Same window
Abnormal move
-0.6%
Stock minus SPY
Volume
0.7×
Versus trailing sessions
Subsequent drift
-0.5%
Up to 20 sessions
HBANLSPY benchmark
Ask FN2 about HBANL FY2025 Q4
Transcript, numbers and history already loaded
Why did HBANL fall 0.1% after missing EPS estimates in FY2025 Q4?What changed in HBANL's guidance and outlook in FY2025 Q4?Give me the bull and bear case for HBANL after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Management moved from strong 2025 results to a higher-growth 2026 outlook, with Cadence integration, branch expansion and digital and AI investment becoming more prominent execution priorities.
Guidance delta
Management raised guidance, pointing to 10–13% 2026 net interest income growth, 11–12% loan growth and 8–9% deposit growth.
Key takeaways
- Management described 2025 performance as strong, with double-digit revenue and EPS growth and operating leverage.
- Veritex integration was completed in 187 days; Cadence integration and related synergies remain an execution focus.
- The 2026 outlook emphasizes loan, deposit and net interest income growth alongside higher fee revenue.
- Investment is expected to remain focused on digital, AI, marketing, talent and branch expansion.
- Capital allocation priorities include a 40% dividend payout and programmatic share repurchases.
Management priorities
- Complete Cadence integration and realize cost synergies.
- Expand in Texas and the Carolinas through branches, loans and deposits.
- Invest in digital, AI, marketing and talent.
- Build fee revenue through payments, wealth management and capital markets.
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Try FN2 freeEarnings History
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Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| JP Morgan | Neutral | Neutral | Maintain | Oct 4, 2023 |
| Piper Sandler | Neutral | Neutral | Maintain | Sep 14, 2023 |
| Morgan Stanley | Overweight | Overweight | Maintain | Jul 24, 2023 |
| Goldman Sachs | Buy | Buy | Maintain | Jul 24, 2023 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Jul 23, 2023 |
| RBC Capital | Outperform | Outperform | Maintain | Jul 23, 2023 |
| Raymond James | Strong Buy | Strong Buy | Maintain | Jul 23, 2023 |
| DA Davidson | Neutral | Neutral | Maintain | Jul 23, 2023 |
| UBS | Neutral | Buy | Downgrade | Apr 9, 2023 |
| Keefe, Bruyette & Woods | Market Perform | Underperform | Upgrade | Apr 5, 2023 |
| Deutsche Bank | Hold | Hold | Maintain | Sep 11, 2022 |
| Argus Research | Buy | Hold | Upgrade | Jul 27, 2022 |
| Wedbush | Neutral | Outperform | Downgrade | Jun 29, 2022 |
| B of A Securities | Neutral | Buy | Downgrade | Apr 7, 2022 |
| Barclays | Underweight | Equal Weight | Downgrade | Jan 2, 2022 |
| Wolfe Research | Peer Perform | Outperform | Downgrade | Nov 16, 2021 |
| BMO Capital | Market Perform | Market Perform | Maintain | Jul 23, 2020 |
| Nomura | Neutral | Neutral | Maintain | Apr 6, 2020 |
| CFRA | Hold | Hold | Maintain | Apr 5, 2020 |
| Baird | Outperform | Neutral | Upgrade | Mar 8, 2020 |
| Macquarie | Underperform | Neutral | Downgrade | Jul 11, 2019 |
| Jefferies | Hold | Buy | Downgrade | Jan 27, 2019 |
| Hilliard Lyons | Buy | Neutral | Upgrade | Feb 8, 2018 |
| Bernstein | Outperform | Market Perform | Upgrade | Sep 13, 2017 |
| FBR Capital | Market Perform | Outperform | Downgrade | Oct 10, 2016 |
| Evercore ISI Group | Hold | Buy | Downgrade | Apr 20, 2016 |
| Sterne Agee | Buy | Neutral | Upgrade | Apr 5, 2016 |
| Credit Suisse | Neutral | Neutral | Maintain | Jan 21, 2016 |
| Guggenheim | Buy | Neutral | Upgrade | Aug 27, 2015 |
| SunTrust Robinson Humphrey | Neutral | Neutral | Maintain | Jun 28, 2015 |
| Canaccord Genuity | Hold | Buy | Downgrade | May 10, 2015 |
| Miller Tabak | Buy | Hold | Upgrade | Mar 8, 2015 |
| Portales Partners | Sector Perform | Underperform | Upgrade | Jul 20, 2014 |
| Citigroup | Neutral | Neutral | Maintain | Apr 20, 2014 |
| Compass Point | Neutral | Buy | Downgrade | Apr 17, 2013 |
Track every rating change on HBANL the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationHuntington Bancshares Incorporated functions as the holding entity of The Huntington National Bank, offering a comprehensive suite of commercial, retail, and mortgage banking solutions throughout the United States. The company organizes its operations into four core divisions: Consumer and Business Banking, Commercial Banking, Vehicle Finance, and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment serves individual and small business clients with a wide array of financial products, including various types of accounts like checking, savings, money market, and certificates of deposit, in addition to credit cards, and both personal and small enterprise loans. This segment also provides investment products, home mortgages, insurance, interest rate risk protection, foreign exchange services, ATM access, and treasury management, all supported by convenient online, mobile, and telephone banking platforms.…
Historical context
All HBANL earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FCNCA First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +9.9% | First Citizens raises Q4 outlook after strong loan and deposit growth |
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | FY2026 Q3 · Calendar Q4 2026 | — | +0.5% | First Citizens: Strong Q3 Growth, Higher 2026 Guidance |
| FCNCO First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +0.3% | First Citizens reports strong Q3 growth and raises guidance |
| FCNCP First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +1.0% | First Citizens: Strong Q3 growth supports a raised outlook |
| AXP American Express Company | FY2026 Q3 · Calendar Q4 2026 | — | -3.6% | American Express raises EPS outlook as premium cards and AI drive growth |
| BBD Banco Bradesco S.A. | FY2026 Q3 · Calendar Q4 2026 | -7.7% | +3.0% | Bradesco: Loan growth and capital strength offset credit risks |
Latest beats and misses
Who reports nextBeat on EPS
- FIXFY2026 Q3 · October 22, 2026+8.2% EPS-8.5% move
- DECKFY2027 Q2 · October 22, 2026+13.4% EPS-0.2% move
- OMCFY2026 Q3 · October 22, 2026+2.2% EPS+2.6% move
- SSNCFY2026 Q3 · October 22, 2026+0.6% EPS+2.8% move
- BEFY2026 Q3 · October 22, 2026+36.0% EPS-8.7% move
- ROPFY2026 Q3 · October 22, 2026+1.7% EPS+9.7% move
Missed on EPS
- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
- SNAFY2026 Q3 · October 22, 2026-5.9% EPS-3.4% move
- SPOTFY2026 Q3 · October 22, 2026-11.6% EPS+11.1% move
- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
- HBANPFY2026 Q3 · October 22, 2026-5.3% EPS0.0% move
Get the HBANL 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 · 2026-10-23T20:30:40.987081+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.
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 2026-10-23. For educational purposes only; not investment advice.