NASDAQ$HBAN

Huntington Bancshares Inc · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

Reported sustained deposit and loan growth, capital expansion, and strong credit quality.

Huntington Bancshares Incorporated reported a net income of $243 million, or $0.15 per common share, for the fourth quarter of 2023. Adjusted earnings per common share were $0.27, excluding $0.12 per common share of after-tax Notable Items. The quarter was highlighted by sustained deposit and loan growth, capital expansion, and strong credit quality.

  • Earnings per common share (EPS) for the quarter were $0.15, or $0.27 adjusted.
  • Net interest income decreased $52 million, or 4%, from the prior quarter.
  • Noninterest income decreased $104 million, or 20%, from the prior quarter, to $405 million.
  • Average total deposits increased $1.5 billion, or 1%, from the prior quarter.

Headline financials

Total Revenue

$1.72B

Previous: $1.96B-12.2%
EPS (adj)

$0.27

Previous: $0.43-37.2%
Nonperforming asset ratio

0.6%

No prior period
Efficiency ratio

77.0%

Previous: 54.0%+42.6%
Capital Expenditures

$60M

Previous: $49M+22.4%
Net Income

$243M

Previous: $645M-62.3%
Gross Profit

$1.78B

Previous: $1.96B-9.3%
Stock-Based Comp

$24M

Previous: $23M+4.3%

Revenue & EPS history

Huntington · Revenue · Quarterly

$1.72B

Q4 2023-12.2%vs Q4 2022
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

Huntington is seeing attractive growth opportunities as they move into 2024, and are positioned to accelerate their loan growth forecast. They are leveraging their leading brand and trust metrics, to build on their growth momentum and intend to capitalize on their position of strength and to further acquire and deepen customer relationships.

Tailwinds

  • Customers are generally well positioned and are continuing to invest in their businesses.
  • Attractive growth opportunities as we move into 2024.
  • Positioned to accelerate our loan growth forecast given these dynamics.
  • Leveraging our leading brand and trust metrics, to build on our growth momentum.
  • Further acquire and deepen customer relationships.

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 Q4 2023

Historical avgQ4 2023

-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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