NASDAQ$HBAN

Huntington Bancshares Inc · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Huntington Bancshares reported Q3 2025 net income attributable to Huntington of $629M with diluted EPS of $0.41.

Net income attributable to Huntington was $629M, up 22% year over year, with diluted EPS of $0.41. FTE total revenue was $2.15B, up 14%, on higher net interest income and fee growth across consumer and commercial businesses.

  • Q3 net income $629M (+22% YoY); diluted EPS $0.41.
  • FTE total revenue $2.15B (+14% YoY).
  • Net interest income and fee income expansion.
  • Credit quality stable; reserves appropriate for mix.
  • Capital returns and organic growth investments continue.

Headline financials

Total Revenue

$2.13B

Previous: $1.87B+13.9%
EPS (adj)

$0.41

Previous: $0.33+24.2%
Return on average assets

1.2%

Previous: 1.0%+14.4%
Return on average common equity

12.4%

Previous: 10.8%+14.8%
Return on average tangible common equity

17.8%

Previous: 16.2%+9.9%
Nonperforming asset ratio

0.6%

Previous: 0.6%-3.2%
Net charge-offs

75000000.0%

Previous: 93000000.0%-19.4%
Common equity Tier 1 ratio

10.6%

Previous: 10.4%+1.9%
Tangible common equity ratio

6.8%

Previous: 6.4%+6.2%
Tangible book value per share

$9.54

Previous: $8.65+10.3%
Allowance for credit losses

$2.56B

Previous: $2.44B+5.2%
Capital Expenditures

-$149M

Previous: -$116M-28.4%
Free Cash Flow

$480M

Previous: $401M+19.7%
Net Income

$629M

Previous: $517M+21.7%
Operating Income

$727M

Previous: -$138M+626.8%
Gross Profit

$2.13B

Previous: $1.87B+13.9%
Cash & Equivalents

$13.2B

Previous: $12.8B+3.1%
Total Assets

$210B

Previous: $201B+4.8%

Revenue & EPS history

Huntington · Revenue · Quarterly

$2.13B

Q3 2025+13.9%vs Q3 2024
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

Regional and money-center banks emphasize net interest margin, credit quality, and capital returns.

Tailwinds

  • Net interest income and deposit mix optimization.
  • Fee income from payments and wealth.
  • Capital ratios supporting dividends and buybacks.

Headwinds

  • Commercial real estate and consumer credit risk.
  • Deposit competition and funding costs.
  • Rate path uncertainty on NIM.

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 2025

Historical avgQ3 2025

-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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