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

Huntington Q1: Fee momentum and integrations support the outlook

The quarter supports a constructive but qualified view: resilient organic growth, stronger fee income and acquisition execution provide support, while margin pressure, integration work and credit risks limit certainty.

Reported Before market openNASDAQFinancial Services $31.64B 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 -0.1% Event window
SPY move -0.4% Same window
Abnormal move +0.3% Stock minus SPY
Volume 0.7× Versus trailing sessions
Subsequent drift -2.8% Up to 20 sessions
HBANPSPY benchmark

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Why did HBANP fall 0.1% after beating EPS estimates in FY2026 Q1?What changed in HBANP's guidance and outlook in FY2026 Q1?Give me the bull and bear case for HBANP after FY2026 Q1 earnings.

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Transcript intelligence

What changed

Fee-income expectations increased to 31–33% growth, acquisitions continued to progress toward full synergy run-rate, and management introduced a $3 billion evergreen repurchase authorization. The margin outlook was slightly lower, while the broader outlook was maintained.

Guidance delta

Management maintained its outlook while raising the fee-income growth outlook to 31–33%; the net-interest-margin outlook was slightly lower.

Key takeaways

  • Results beat expectations, with double-digit growth in earnings, pre-provision net revenue and tangible book value.
  • Recent acquisitions and partnerships remain on schedule, with cost synergies expected to be fully run-rated by Q4.
  • Liquidity and capital metrics remained strong, while management continued to emphasize organic growth and efficiency.

Management priorities

  • Complete Cadence system conversion and integrate recent acquisitions.
  • Expand the branch footprint in the Carolinas while building digital capabilities in Texas and the South.
  • Deploy AI across operating and customer-facing use cases and continue targeted expense initiatives.

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Earnings History

Estimate Beat Miss Match
HBANP 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 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

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
HBANL Huntington Bancshares Incorporated FY2026 Q3 · Calendar Q4 2026 -5.3% +0.5% Huntington maintains 2027 targets as fees and new markets support growth
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 · 2026-10-23T12:30:42.350925+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.