📈 Price History

Ratio Health

— Excellent

— Good

— Average

— Poor

By Category

📊 Sector Averages

About

Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding HBAN

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	7.40M	$115.7M	0.15%	Mar 2026
Jim Simons Renaissance Technologies LLC	5.19M	$81.3M	0.13%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 5 quarters analysed

Q2 2025

Confident Specific

Management repeatedly used phrases like 'exceptionally well', 'strongest performance', 'robust organic growth', and provided specific numerical guidance increases. They emphasized positive operating leverage and raised NII guidance from 5-7% to 8-9%.

Q3 2025

Confident Specific

Management used language like 'outstanding quarter', 'exceptional performance', 'tremendous momentum', and provided concrete figures: 14% revenue growth, 16% adjusted PP&R, 17% adjusted ROTCE, and raised full-year guidance multiple times.

Q4 2025

Confident Specific

Management repeatedly uses words like 'outstanding', 'exceptional', 'differentiated', 'proven', and provides precise figures (11% revenue growth, 16% EPS growth, 290 bps operating leverage). They also give detailed integration timelines and 2026 guidance with specific ranges.

Q1 2026

Confident Specific

Management used emphatic language such as 'outstanding first quarter', 'exceptional execution', 'strong profitability', and provided specific numerical guidance adjustments, indicating high confidence in their performance and outlook.

Q2 2026 latest

Confident Specific

Management repeatedly cited hard numbers and reiterated targets: "exceptional quarter," 17.5% ROTCE, $2.1 billion NII, $435 million of combined cost synergies on track, and 2027 EPS of $1.90-$1.93. Even when conceding NII would be at the bottom end or modestly below guidance, they framed it as a deliberate mix shift toward volume and fee growth rather than a fundamental deterioration.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is unchanged over the medium term but slightly weaker near-term: NII guidance was trimmed to the low end or modestly below while fee income guidance was raised, leaving the ~37% total revenue growth target intact. Management repeatedly pointed to Q4 2026 as the clean inflection quarter, when full Cadence cost synergies, a NIM trough, and continued fee momentum should become visible. The stock's down ~5% reaction suggests investors focused on the NII and deposit-cost pressure rather than the fee upgrade. Key items to watch next quarter are actual NIM progression, deposit cost trends in the combined footprint, whether organic fee growth stays in the high-teens-to-30% range, and whether Q4 EPS builds the runway to the $1.90-$1.93 2027 target. Overall, the long-term value-creation story remains intact but execution on the Q4 deliverables is now the critical proof point.

AI-generated concall tone analysis · Updated 2026-08-15 · Not investment advice

🎙 Management Tone Confident Specific → Stable 5 quarters Full tone analysis in Intelligence →

Mixed quarter Investor Presentation One-Pager? Q2 2026

Revenue

$2.9B

+46% YoY

Net Interest Income

$2.1B

+40% YoY

Noninterest Income

$785M

+67% YoY

Net Income

$727M

+36% YoY

What Went Right

Adjusted ROTCE reached 17.5% in Q2, with adjusted EPS of $0.39 (+$0.02 QoQ)
Organic fee revenue grew ~30% YoY; capital markets +46%, wealth +12%, payments +10%
Cadence conversion completed successfully; deposits grew during conversion weekend

What to Watch

NII guidance cut to low end/just below range due to rising deposit costs
Deposit costs rose 6 bps in Q2 (5 bps legacy) and competition remains intense
Organic loan growth slowed to 1.2% as auto and CRE volumes deliberately reduced

Management Guidance

Full-year NII expected at bottom end or modestly below prior range
Noninterest income tracking to high end/above; NCOs in lower half of 25-35 bps
Q4 core efficiency ratio targeted at mid-low 54%; 2027 EPS objective $1.90-$1.93

Investor Lens

The quarter itself was operationally excellent—fee growth, ROTCE, and conversion execution all topped expectations. The negative stock reaction reflects the NII guide cut, which signals more deposit-cost pressure than previously assumed. Management insists Q2 is the NIM trough and Q4 will show full earnings power. Long-term 2027 targets of $1.90-$1.93 EPS and 18-19% ROTCE are unchanged, but the market will need proof on margin stabilization.

From investor presentation · AI-generated analysis · Not investment advice

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📈 STRONG Strong operational quarter, NII guide trimmed on deposit costs

Revenue

Total revenue reached ~$2.9B, with NII of $2.1B (+40% YoY) and noninterest income of $785M (+67% YoY). Organic fee revenue grew ~30% YoY, led by capital markets (+46%) and payments (+10%).

Profitability

Net income of $727M (+36% YoY) and adjusted EPS of $0.39, up $0.02 sequentially. Adjusted ROTCE of 17.5% in Q2, with 16.7% on a trailing four-quarter basis.

Margins

NIM declined 3 bps sequentially to ~320 bps, which management calls the trough. Q4 core efficiency ratio on track for mid-low 54%; positive operating leverage of 210 bps over trailing 12 months.

Balance Sheet

CET1 ratio 10.0%, TCE ratio 7.1%, tangible book value per share $9.65 (+6% YoY). Repurchased $159M in Q2 and $309M YTD; average deposits grew 9.2% and loans 8.6% sequentially.

Key Risks

Deposit cost pressure and a potentially rising-rate environment threaten NII. NPAs rose 13 bps to 0.85%, though largely in government-guaranteed categories. Auto lending and CRE were intentionally slowed due to unattractive returns.

Outlook

Full-year NII expected at low end or modestly below; fees at high end/above. Q3 NIM guided to low 320s and Q4 to mid-high 320s, with 2027 EPS target of $1.90-$1.93 unchanged.

Generated by AI · Q2 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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🔎 See cross-company document search → ?

📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-23

Strong organic growth, robust fee income, and successful integration of recent acquisitions drove improved profitability and efficiency. Despite deposit cost pressures impacting NII guidance, the outlook remains positive with continued loan and deposit growth, strong capital, and clear targets for 2027.

Q1 2026 Q1 2026 2026-04-23

Q1 results showed strong profitability, with adjusted EPS up 9% and robust fee income growth. Integration of recent acquisitions is on track, supporting higher ROTCE targets and a $3B buyback plan. Outlook remains positive despite a cautious macro view.

Q4 2025 Q4 2025 2026-01-22

Delivered 11% revenue and 16% adjusted EPS growth in 2025, driven by strong organic loan and deposit growth, successful integration of Veritex, and strategic investments in digital and capital markets. 2026 guidance calls for double-digit NII and fee growth, with robust operating leverage and efficiency improvements.

Q3 2025 Q3 2025 2025-10-17

Outstanding quarter with 14% revenue growth, 16% adjusted PP&R, and 10% tangible book value increase. Loan and deposit growth outpaced peers, with strong fee income and NIM expansion. Raised 2025 guidance, highlighted by the Veritechs acquisition, robust credit quality, and improved operating leverage.

Q2 2025 Q2 2025 2025-07-18

Strong Q2 results featured robust loan, deposit, and fee growth, with raised full-year guidance for loans, deposits, and net interest income. The Veritex acquisition will accelerate Texas expansion, while credit quality and capital remain strong.

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