Huntington Bancshares Incorporated · HBANP · FY2026 Q2 · Calendar Q3 2026
Huntington reports strong growth as Cadence integration advances
The current analysis supports a constructive but qualified view: strong organic loan and deposit growth, accelerating fee revenue and integration progress support Huntington’s earnings trajectory, while deposit costs, NIM pressure and integration execution remain important counterweights.
Earnings scorecard
Reported versus consensusMarket reaction
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Transcript intelligence
What changed
Cadence systems conversion was completed ahead of schedule, with deposits growing during the conversion weekend. The current analysis also highlights 8.6% quarter-over-quarter organic loan growth, 9.2% deposit growth and more than 60% year-over-year growth in value-added fees.
Guidance delta
Management maintained its 2027 targets of 18%-19% ROTCE and $1.90-$1.93 EPS, while highlighting continued execution on synergies and expense management.
Key takeaways
- Organic loans rose 8.6% quarter over quarter and deposits rose 9.2% quarter over quarter, according to the transcript analysis.
- Fee revenue accelerated, with value-added fees up more than 60% year over year across payments, wealth and capital markets.
- Management said Cadence conversion was completed in 235 days and kept its 2027 targets in place.
Management priorities
- Realize Cadence and Veritex cost and revenue synergies.
- Expand branches, deposits and lending in Texas, the South and the Carolinas.
- Execute expense re-engineering while growing payments, wealth and capital-markets fees.
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Try FN2 freeCompany context
Snapshot as of publicationHuntington 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 earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| 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 |
| HBAN Huntington Bancshares Incorporated | FY2026 Q3 · Calendar Q4 2026 | — | -0.4% | Huntington Reaffirms 2027 Targets as Fee Growth Supports Outlook |
Latest beats and misses
Who reports nextBeat on EPS
- RFY2026 Q3 · October 22, 2026+4.3% EPS+10.5% move
- WDCFY2027 Q1 · October 22, 2026+12.9% EPS-6.4% move
- NEMFY2026 Q3 · October 22, 2026+12.2% EPS-2.6% move
- MEDPFY2026 Q3 · October 21, 2026+9.0% EPS-1.3% move
- MOHFY2026 Q3 · October 21, 2026+12.7% EPS+0.8% move
- PNFPFY2026 Q3 · October 21, 2026+2.7% EPS+2.3% move
Missed on EPS
- 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
- GL-PDFY2026 Q3 · October 21, 2026-1.2% EPS— move
- GLFY2026 Q3 · October 21, 2026-1.2% EPS-3.8% move
- METAFY2026 Q3 · October 21, 2026-41.4% EPS+0.5% move
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Sources
- Earnings call transcript and parsed analysis · 2026-07-24T17:03:36.303077+00:00
- FN2 earnings calendar · 2026-08-27T01:23:13.912278+00:00
- Polygon adjusted daily market bars · 2026-10-23T01:00:41.739076+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.