NASDAQ$HBAN

Huntington Bancshares Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Reported third-quarter earnings, highlighted by sequential expansion of net interest income and fee revenues, sustained loan and deposit growth, and strong credit quality.

Huntington Bancshares Incorporated reported a net income of $517 million, or $0.33 per common share, for the third quarter of 2024. This represents an increase of $43 million from the prior quarter and a decrease of $30 million from the year-ago quarter. The results were highlighted by sequential revenue and profit expansion, accelerated loan growth, and sustained deposit gathering.

  • Earnings per common share (EPS) for the quarter were $0.33, higher by $0.03 from the prior quarter, and lower by $0.02 from the year-ago quarter.
  • Net interest income increased $39 million, or 3%, from the prior quarter, and decreased $17 million, or 1%, from the year-ago quarter.
  • Noninterest income increased $32 million, or 7%, from the prior quarter, to $523 million.
  • Average total loans and leases increased $1.1 billion, or 1%, from the prior quarter to $124.5 billion, and increased $3.7 billion, or 3%, from the year-ago quarter.

Headline financials

Total Revenue

$1.87B

Previous: $1.88B-0.2%
EPS

$0.33

Previous: $0.36-8.3%
Return on average assets

1.0%

No prior period
Return on average common equity

10.8%

No prior period
Return on average tangible common equity

16.2%

No prior period
Nonperforming asset ratio

0.6%

Previous: 0.5%+19.2%
Net charge-offs

93000000.0%

No prior period
Common equity Tier 1 ratio

10.4%

No prior period
Tangible common equity ratio

6.4%

No prior period
Tangible book value per share

$8.65

No prior period
Allowance for credit losses

$2.44B

No prior period
Capital Expenditures

-$116M

Previous: -$80M-45.0%
Free Cash Flow

$401M

Previous: $467M-14.1%
Net Income

$517M

Previous: $547M-5.5%
Operating Income

-$138M

Previous: $190M-172.6%
Gross Profit

$1.87B

Previous: $1.88B-0.2%
Cash & Equivalents

$12.8B

Previous: $1.86B+590.3%
Total Assets

$201B

Previous: $187B+7.4%
Stock-Based Comp

$28M

Previous: $25M+12.0%

Revenue & EPS history

Huntington · Revenue · Quarterly

$1.87B

Q3 2024-0.2%vs Q3 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

Huntington anticipates accelerated loan growth to continue in the fourth quarter, supported by core businesses and successful execution of new initiatives. Loan pipelines are robust entering the fourth quarter, establishing a foundation for growing revenue and expanded profitability into 2025.

Tailwinds

  • Accelerated loan growth expected in Q4.
  • Core businesses supporting loan growth.
  • Successful execution of new initiatives.
  • Robust loan pipelines entering Q4.
  • Foundation for growing revenue and profitability into 2025.

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 Q3 2024

Historical avgQ3 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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