Analyst Consensus ?
ConsensusHold35 ratings
Bullish1131.4%
Neutral2262.9%
Bearish25.7%
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.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
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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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 |
|---|---|---|---|---|
| NDAQ Nasdaq, Inc. | FY2026 Q3 · Calendar Q4 2026 | +2.0% | +7.5% | Nasdaq Q3: AI, cloud and market infrastructure sustain growth |
| 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 |
Latest beats and misses
Who reports nextBeat on EPS
- DOVFY2026 Q3 · October 22, 2026+1.1% EPS-2.2% move
- NOKFY2026 Q3 · October 22, 2026+25.0% EPS-14.8% move
- NDAQFY2026 Q3 · October 22, 2026+2.0% EPS+7.5% move
- DOWFY2026 Q3 · October 22, 2026+11.3% EPS+4.7% move
- ALLEFY2026 Q3 · October 22, 2026+4.0% EPS+11.0% move
- CBREFY2026 Q3 · October 22, 2026+4.6% EPS-2.5% move
Missed on EPS
- PHMFY2026 Q3 · October 22, 2026-4.5% EPS+5.8% move
- HBANLFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
- BCSFY2026 Q3 · October 22, 2026-1.5% EPS-2.6% move
- SSBFY2026 Q3 · October 21, 2026-4.2% EPS+2.4% move
- ROLFY2026 Q3 · October 21, 2026-1.4% EPS+5.6% move
- GGGFY2026 Q3 · October 21, 2026-2.5% EPS-16.6% 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 · 2026-07-23T18:03:46.519085+00:00
- FN2 earnings calendar · 2026-08-27T01:23:13.912278+00:00
- 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.