Huntington Bancshares Incorporated · HBANP · FY2025 Q4 · Calendar Q1 2026

Huntington outlines 2026 growth plan amid integration and credit risks

The supplied analysis supports a constructive but execution-dependent outlook: organic loan and deposit growth, fee momentum, and acquisition synergies may support earnings, while expense growth, integration, credit, and deposit-beta risks remain unresolved.

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 +0.8% Event window
SPY move +0.5% Same window
Abnormal move +0.3% Stock minus SPY
Volume 0.9× Versus trailing sessions
Subsequent drift -0.7% Up to 20 sessions
HBANPSPY benchmark

Ask FN2 about HBANP FY2025 Q4

Transcript, numbers and history already loaded
Why did HBANP rise 0.8% after missing EPS estimates in FY2025 Q4?What changed in HBANP's guidance and outlook in FY2025 Q4?Give me the bull and bear case for HBANP after FY2025 Q4 earnings.

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Transcript intelligence

What changed

Management’s focus shifted toward executing the 2026 plan: completing Cadence integration, capturing synergies, expanding in the Carolinas, increasing digital and technology investment, and initiating planned buybacks after integration.

Guidance delta

Maintained. Management expects 2026 loan growth of 11–12%, deposit growth of 8–9%, and NII growth of 10–13%, with expenses projected to rise 10–11%.

Key takeaways

  • Management described 2025 as a record year for revenue, EPS, and operating leverage.
  • The 2026 plan centers on loan and deposit growth, fee expansion, Cadence synergies, and continued technology investment.
  • Execution remains important: expense growth, acquisition integration, credit quality, and deposit beta are key watchpoints.

Management priorities

  • Complete Cadence integration and capture full cost synergies by Q4 2026.
  • Expand the branch network in North and South Carolina while investing in digital, AI, technology, marketing, and talent.
  • Build commercial payments and fintech capabilities and pursue planned share repurchases after Cadence integration.

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Earnings History

Estimate Beat Miss Match
HBANP REVENUE earnings history estimate and actual scatter chart 9 reported fiscal quarters and 4 future estimate-only quarters. Q4 '23 actual $3B, None Q1 '24 actual $3B, None Q2 '24 actual $3B, None Q2 '25 estimate $2B Q2 '25 actual $3B, beat Q3 '25 estimate $2B Q3 '25 actual $-4B, miss Q4 '25 estimate $2B Q4 '25 actual $2B, miss Q1 '26 estimate $3B Q1 '26 actual $3B, beat Q2 '26 estimate $3B Q2 '26 actual $3B, beat Q3 '26 estimate $3B Q3 '26 actual $3B, miss Q4 '26 estimate $3B Q1 '27 estimate $3B Q2 '27 estimate $3B Q3 '27 estimate $3B
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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 serves as the holding company for The Huntington National Bank, providing a comprehensive range of commercial, consumer, and mortgage banking solutions throughout the United States. Its operations are organized into four distinct business segments. The Consumer and Business Banking division extends a variety of financial products to individuals and small enterprises, including various deposit accounts (checking, savings, money market, CDs), credit cards, and both consumer and small business loans. This segment also encompasses investment offerings, mortgage services, insurance, interest rate risk protection, foreign exchange, automated teller machine access, treasury management, and digital banking platforms. The Commercial Banking segment delivers specialized commercial banking services for middle-market companies, government and public sector entities, and commercial real estate developers or REITs.…

Historical context

All HBANP earnings
0.0%FY2026 Q3 · Calendar Q4 2026-0.7%FY2026 Q2 · Calendar Q3 2026-0.1%FY2026 Q1 · Calendar Q2 2026

Financial Services peers this season

Latest reports in the same sector
CompanyQuarterEPS surpriseMarket moveHeadline
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

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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 · 2026-10-23T23:00:41.385069+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.