Huntington Bancshares Incorporated · HBANL · FY2026 Q2 · Calendar Q3 2026

Huntington highlights growth, fee momentum and Cadence synergies

The supplied analysis supports a constructive but qualified view: resilient commercial activity, fee growth, integration execution and digital deposit gains provide evidence for earnings durability, while funding costs, margin sensitivity and credit risks are important tests of that thesis.

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

Earnings scorecard

Reported versus consensus
Reported EPS $0.33 Consensus $0.36
EPS surprise -8.0% Reported versus consensus
Reported revenue $2.86B Consensus $2.84B
Revenue surprise +0.6% Reported versus consensus

Market reaction

prior-close to event-session close
Stock move 0.0% Event window
SPY move -1.2% Same window
Abnormal move +1.2% Stock minus SPY
Volume 0.6× Versus trailing sessions
Subsequent drift +1.4% Up to 20 sessions
HBANLSPY benchmark

Ask FN2 about HBANL FY2026 Q2

Transcript, numbers and history already loaded
What drove HBANL's +0.0% move after FY2026 Q2 earnings?What changed in HBANL's guidance and outlook in FY2026 Q2?Give me the bull and bear case for HBANL after FY2026 Q2 earnings.

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Transcript intelligence

What changed

The current analysis shifts the emphasis toward completed Cadence systems conversion, stronger digital deposit acquisition, continued fee momentum and a larger realized synergy base. At the same time, analyst concerns focus more sharply on deposit costs, auto-loan economics, credit quality and delivery against longer-term targets.

Guidance delta

Maintained. Management reaffirmed its longer-term targets and described a modest near-term NIM recovery outlook.

Key takeaways

  • Organic loan and deposit growth remained strong, with deposits outpacing loans.
  • Payments, wealth management and capital markets supported strong fee growth.
  • Cadence integration execution and digital deposit acquisition were central positives.
  • The main counterweight is funding-cost pressure and uncertainty around credit and margins.

Management priorities

  • Complete the Cadence integration and capture the remaining cost synergies.
  • Expand digital deposit acquisition and household checking relationships.
  • Deepen presence in Texas and other Southern markets while adding selected branches.
  • Continue building payments, wealth and capital-markets capabilities.

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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
Show 30 more rating actions

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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
+0.8%FY2026 Q3 · Calendar Q4 2026

Financial Services peers this season

Latest reports in the same sector
CompanyQuarterEPS surpriseMarket moveHeadline
BCS Barclays PLC FY2026 Q3 · Calendar Q4 2026 -1.5% -2.6% Barclays balances growth and efficiency with outlook maintained
SSB SouthState Bank Corp. FY2026 Q3 · Calendar Q4 2026 -4.2% +2.4% SouthState posts 9% loan and deposit growth as NIM holds
PNFP Pinnacle Financial Partners, Inc. FY2026 Q3 · Calendar Q4 2026 +2.7% +2.3% PNFP: Strong loan growth and fee income, guidance maintained
BPOP Popular, Inc. FY2026 Q3 · Calendar Q4 2026 — -2.8% Popular’s Q3 growth remained solid as public deposits declined
BX Blackstone Inc. FY2026 Q3 · Calendar Q4 2026 — +8.4% Blackstone highlights AI infrastructure and fundraising momentum
HBANM Huntington Bancshares Incorporated FY2026 Q3 · Calendar Q4 2026 — +0.5% Huntington maintains 2027 outlook as fee growth offsets pressure

Latest beats and misses

Who reports next

Beat on EPS

Missed on EPS

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Sources

  1. Earnings call transcript and parsed analysis · 2026-07-23T18:03:46.519085+00:00
  2. FN2 earnings calendar · 2026-08-27T01:23:13.912278+00:00
  3. Polygon adjusted daily market bars · 2026-10-23T03:10:42.181148+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.