Analyst Consensus ?
ConsensusHold35 ratings
Bullish1131.4%
Neutral2262.9%
Bearish25.7%
Huntington Bancshares Incorporated · HBANM · FY2025 Q4 · Calendar Q1 2026
Huntington posts strong 2025 growth as Cadence integration nears
Huntington's 2025 growth, loan and deposit momentum, and expanding fee businesses support a constructive operating trajectory, but the case depends on disciplined expenses and successful Cadence execution.
Reported Before market openNASDAQFinancial Services
$31.64B 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
+1.2%
Event window
SPY move
+0.5%
Same window
Abnormal move
+0.7%
Stock minus SPY
Volume
1.1×
Versus trailing sessions
Subsequent drift
+1.8%
Up to 20 sessions
HBANMSPY benchmark
Ask FN2 about HBANM FY2025 Q4
Transcript, numbers and history already loaded
Why did HBANM rise 1.2% after missing EPS estimates in FY2025 Q4?What changed in HBANM's guidance and outlook in FY2025 Q4?Give me the bull and bear case for HBANM after FY2025 Q4 earnings.
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Transcript intelligence
What changed
The company moved from completed Veritex integration toward the expected Cadence closing, while emphasizing continued investment in digital capabilities, AI, branches and fee-generating businesses.
Guidance delta
Management maintained its outlook and expressed confidence in sustaining growth into 2026.
Key takeaways
- Management highlighted 11% 2025 revenue growth and 16% EPS growth with strong operating leverage.
- Organic loan growth reached 14.4% year over year and deposits grew 8.6%, led by Texas and the Carolinas.
- Veritex integration was completed; Cadence was expected to close shortly, with cost and revenue synergies anticipated.
Management priorities
- Complete Cadence integration and realize full cost synergies by Q4 2026
- Expand digital and AI capabilities and continue branch openings in the Carolinas
- Pursue partner-style acquisitions and programmatic share repurchases in 2026
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$19.39Current
$21Low
$21Average
$21High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 24, 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 |
|---|---|---|---|---|
| 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 |
| Wedbush | Neutral | Neutral | Maintain | Apr 21, 2023 |
| UBS | Neutral | Buy | Downgrade | Apr 9, 2023 |
| Keefe, Bruyette & Woods | Perform | Underperform | Upgrade | Apr 6, 2023 |
| Deutsche Bank | Hold | Hold | Maintain | Sep 11, 2022 |
| Argus Research | Buy | Hold | Upgrade | Jul 27, 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 |
Named analyst price targets
Upside is calculated against the persisted current price $19.39. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| D.A. Davidson | Peter Winter | $21 | $23.08 | +8.3% | Oct 28, 2025 |
Track every rating change on HBANM the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationHuntington Bancshares Incorporated serves as the parent entity for The Huntington National Bank, offering a comprehensive suite of financial services, encompassing commercial, retail, and home lending solutions throughout the United States. The company's activities are structured across four main divisions. The Consumer and Business Banking segment provides a broad array of financial instruments, including transactional accounts (checking, savings, money market), certificates of deposit, credit cards, and both personal and small business credit facilities. Additionally, this division facilitates home mortgages, insurance offerings, interest rate hedging, foreign exchange services, and essential treasury management, supported by ATM, online, mobile, and telephonic banking channels, primarily assisting individual consumers and burgeoning small businesses.…
Historical context
All HBANM 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 HBANM recap when the next report posts
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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 · 2026-10-23T23:20:43.442813+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-23T23:20:43.440072+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 2026-10-23. For educational purposes only; not investment advice.