NASDAQ$HBAN

Huntington Bancshares Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Second quarter results were highlighted by expansion of net interest income and fee revenues, accelerating loan and deposit growth, and strong credit quality.

Huntington Bancshares Incorporated reported a net income of $474 million for the second quarter of 2024, with earnings per share (EPS) at $0.30. The quarter was marked by an increase in both net interest income and noninterest income, along with accelerated loan growth and increasing deposit balances. The company's liquidity and capital profile is robust, supporting continued organic growth initiatives.

  • Earnings per common share (EPS) for the quarter were $0.30, higher by $0.04 from the prior quarter, and lower by $0.05 from the year-ago quarter.
  • Net interest income increased $25 million, or 2%, from the prior quarter, and decreased $34 million, or 3%, from the year-ago quarter.
  • Noninterest income increased $24 million, or 5%, from the prior quarter, to $491 million.
  • Average total loans and leases increased $1.4 billion, or 1%, from the prior quarter to $123.4 billion, and increased $2.0 billion, or 2%, from the year-ago quarter.

Headline financials

Total Revenue

$1.8B

Previous: $1.84B-2.1%
EPS (adj)

$0.30

Previous: $0.35-14.3%
Capital Expenditures

-$74M

Previous: -$57M-29.8%
Free Cash Flow

$400M

Previous: $502M-20.3%
Net Income

$474M

Previous: $559M-15.2%
Operating Income

-$21M

Previous: $427M-104.9%
Gross Profit

$1.8B

Previous: $1.84B-2.1%
Cash & Equivalents

$12.8B

Previous: $1.85B+592.5%
Total Assets

$196B

Previous: $189B+4.1%
Stock-Based Comp

$33M

Previous: $23M+43.5%

Revenue & EPS history

Huntington · Revenue · Quarterly

$1.8B

Q2 2024-2.1%vs Q2 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

Huntington is focused on delivering on its long-term strategic goals, with solid capital levels and a robust liquidity profile enabling continued accelerated loan growth. This outlook is supported by existing and new teams across the company and is expected to drive higher revenues over the second half of the year, with continued momentum into 2025 and beyond.

Tailwinds

  • Investments into new revenue producing opportunities are delivering organic growth trends.
  • Credit quality continued to perform very well in the quarter.
  • CCAR stress test results were highlighted by a top quartile performance for stressed credit losses.
  • Consistent management of aggregate moderate-to-low risk appetite.
  • Solid capital levels and robust liquidity profile enable continued accelerated loan growth.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2024

Historical avgQ2 2024

-0.3%

Avg return

Earnings day

+0.5%

Avg return

5 days after

+2.5%

Avg return

30 days after

49%

34 / 69 earnings

Positive

+12.5%

Q3 2022

Best reaction

-9.1%

Q3 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.9%-1.6%-5.5%
Q4 2025-5.8%-1.6%-5.5%
Q3 2025+1.0%+3.3%+2.3%
Q2 2025+0.5%-0.6%+6.3%
Q1 2025+3.0%+5.0%+21.9%
Q4 2024+1.5%+0.1%-0.7%
Q3 2024-3.0%-1.9%+11.7%
Q2 2024+5.0%+4.3%-2.8%
Q1 2024+2.7%+4.4%+7.8%
Q4 2023+5.6%+6.9%+5.1%
Q3 2023-4.6%-5.6%+10.5%
Q2 2023+2.1%+2.6%-6.1%
Q1 2023-3.4%-7.6%-14.1%
Q4 2022+5.1%+5.2%+9.8%
Q3 2022+12.5%+13.0%+12.8%
Q2 2022+0.5%-0.6%+8.6%
Q1 2022-3.4%-4.7%-8.6%
Q4 2021-6.2%-7.5%-5.0%
Q3 2021-1.4%-1.0%-3.8%
Q2 2021+0.6%+3.3%+11.9%
Q1 2021-3.9%-1.9%+1.5%
Q4 2020-7.1%-8.5%+5.4%
Q3 2020+8.0%+2.6%+21.3%
Q2 2020+4.0%-1.1%-1.3%
Q1 2020+1.5%+13.7%+0.7%
Q4 2019-6.9%-7.7%-5.6%
Q3 2019+0.1%-0.1%+2.7%
Q2 2019+1.9%+0.7%-13.2%
Q1 2019+0.0%+1.3%-3.9%
Q4 2018-0.1%+0.0%+5.7%
Q3 2018-3.7%-0.4%+5.6%
Q2 2018+0.1%+1.3%+6.0%
Q1 2018+0.3%+0.9%+0.9%
Q4 2017+0.5%+1.1%-1.9%
Q3 2017-2.1%-3.1%-5.3%
Q2 2017-2.7%-2.8%-6.6%
Q1 2017-0.6%+1.5%-1.8%
Q4 2016+5.7%+2.8%+7.0%
Q3 2016+5.5%+4.0%+23.3%
Q2 2016+0.4%+1.8%+2.9%
Q1 2016+1.1%
Q4 2015-1.2%
Q3 2015+4.8%
Q2 2015+1.4%
Q1 2015-2.1%
Q4 2014+2.9%
Q3 2014-0.8%
Q2 2014+4.7%
Q1 2014-2.7%
Q4 2013-2.7%
Q3 2013+3.5%
Q2 2013+1.7%
Q1 2013-5.0%
Q4 2012+4.2%
Q3 2012-8.5%
Q2 2012-4.1%
Q1 2012+1.6%
Q4 2008+1.3%
Q4 2011+1.3%
Q3 2011-9.1%
Q2 2011-3.0%
Q1 2011-1.2%
Q1 2010-1.2%
Q2 2009-6.7%
Q4 2010-6.7%
Q3 2010-1.1%
Q3 2009-1.1%
Q4 2009-2.1%
Q2 2010-2.1%

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