Huntington Bancshares Incorporated · HBANL · FY2026 Q1 · Calendar Q2 2026

Huntington Q1 2026: Fee Growth and Integration Progress

Huntington's Q1 analysis supports a constructive operating picture: strong fee growth, acquisition synergies, and disciplined expenses are supporting performance, while lower net interest margin guidance and execution, credit, and capital risks remain important checks.

Reported Before market openNASDAQFinancial Services $34.18B market cap
100quality score

Earnings scorecard

Reported versus consensus
Reported EPS $0.25 Consensus $0.23
EPS surprise +9.6% Reported versus consensus
Reported revenue $2.59B Consensus $2.57B
Revenue surprise +1.0% Reported versus consensus

Market reaction

prior-close to event-session close
Stock move +0.3% Event window
SPY move -0.4% Same window
Abnormal move +0.7% Stock minus SPY
Volume 0.4× Versus trailing sessions
Subsequent drift -2.0% Up to 20 sessions
HBANLSPY benchmark

Ask FN2 about HBANL FY2026 Q1

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Why did HBANL rise 0.3% after beating EPS estimates in FY2026 Q1?What changed in HBANL's guidance and outlook in FY2026 Q1?Give me the bull and bear case for HBANL after FY2026 Q1 earnings.

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Transcript intelligence

What changed

The current analysis adds strong Q1 execution, rapid fee and capital-markets growth, on-schedule acquisition integrations, a new $3 billion evergreen repurchase authorization, and a lower net interest margin outlook.

Guidance delta

Overall guidance was maintained; net interest margin guidance was adjusted lower, with fee growth and expense discipline offsetting it.

Key takeaways

  • Q1 performance exceeded expectations, with strong earnings, loan, deposit, and fee growth.
  • Cadence, Veritex, Janney, and TM Capital integrations are on schedule, with early cost and revenue synergies.
  • Capital returns remain a priority, including continued buybacks and a new $3 billion authorization.

Management priorities

  • Complete Cadence system conversion by June and achieve full cost synergies by Q4.
  • Accelerate digital rollouts in Texas and the South, including AI initiatives.
  • Reinvest synergy dollars in hiring, digital capabilities, payments, and wealth platforms.

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Earnings History

Estimate Beat Miss Match
HBANL EPS earnings history estimate and actual scatter chart 9 reported fiscal quarters and 4 future estimate-only quarters. Q1 '24 actual $0.28, None Q2 '24 actual $0.32, None Q2 '25 estimate $0.33 Q2 '25 actual $0.36, beat Q3 '25 estimate $0.37 Q3 '25 actual $0.42, beat Q4 '25 estimate $0.33 Q4 '25 actual $0.30, miss Q1 '26 estimate $0.23 Q1 '26 actual $0.25, beat Q2 '26 estimate $0.36 Q2 '26 actual $0.33, miss Q3 '26 estimate $0.35 Q3 '26 actual $0.33, miss Q4 '26 estimate $0.40 Q1 '27 estimate $0.41 Q2 '27 estimate $0.43 Q3 '27 estimate $0.46
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Analyst Consensus ?

ConsensusHold35 ratings
Bullish1131.4%
Neutral2262.9%
Bearish25.7%

Firm-level rating actions

FMP grade actions identify the grading firm, not a named analyst.

FirmRatingPrior ratingActionDate
JP Morgan Neutral NeutralMaintainOct 4, 2023
Piper Sandler Neutral NeutralMaintainSep 14, 2023
Morgan Stanley Overweight OverweightMaintainJul 24, 2023
Goldman Sachs Buy BuyMaintainJul 24, 2023
Stephens & Co. Equal Weight Equal WeightMaintainJul 23, 2023
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Company context

Snapshot as of publication

Huntington 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 earnings
+0.5%FY2026 Q3 · Calendar Q4 20260.0%FY2026 Q2 · Calendar Q3 2026

Financial Services peers this season

Latest reports in the same sector
CompanyQuarterEPS surpriseMarket moveHeadline
BPOP Popular, Inc. FY2026 Q3 · Calendar Q4 2026 +5.8% -2.8% Popular posts solid Q3 growth as deposits and credit risks remain in focus
BX Blackstone Inc. FY2026 Q3 · Calendar Q4 2026 +4.8% +8.4% Blackstone Q3 Earnings: AI Infrastructure Drives Growth, Risks Remain
HBANM Huntington Bancshares Incorporated FY2026 Q3 · Calendar Q4 2026 -5.3% +0.5% Huntington Maintains 2027 Outlook as Fees and Synergies Grow
HBAN Huntington Bancshares Incorporated FY2026 Q3 · Calendar Q4 2026 +9.1% -0.4% HBAN maintains outlook as fee growth and credit quality support execution
HBANP Huntington Bancshares Incorporated FY2026 Q3 · Calendar Q4 2026 -5.3% 0.0% Huntington maintains EPS outlook as fees grow and credit stays solid
NDAQ Nasdaq, Inc. FY2026 Q3 · Calendar Q4 2026 +2.0% +7.5% Nasdaq Q3: AI, cloud and market infrastructure sustain growth

Latest beats and misses

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Sources

  1. Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
  2. FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
  3. Polygon adjusted daily market bars · 2026-10-23T10:40:42.695211+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.