Huntington Bancshares Incorporated (HBAN) Q3 2025 Financial Results Summary

2025-10-17 · Stocks · QuoteReporter

Huntington Bancshares Incorporated (HBAN) Q3 2025 Financial Results Summary

Release Date: October 17, 2025

Huntington Bancshares Incorporated has reported its financial results for the third quarter of 2025, highlighting considerable growth in key strategic fee revenues and net interest income driven by strong loan growth and an expanded net interest margin. Below is a summary of the key highlights from the earnings report:

Financial Highlights

• Earnings Per Common Share (EPS):
• $0.41 for the quarter, an increase of $0.07 (or 20%) from the previous quarter and $0.08 (or 24%) from the same quarter a year ago.

• Excluding the after-tax impact of notable items, EPS was $0.39, representing a $0.05 increase from the previous quarter and $0.07 from a year ago.

• Net Interest Income:

• Grew by $39 million (or 3%) from the prior quarter and by $155 million (or 11%) year-over-year.

• Noninterest Income:

• Increased by $157 million (or 33%) from the previous quarter, totaling $628 million.
• Year-over-year, noninterest income rose by $105 million (or 20%).

• Excluding certain items, it increased by $72 million (or 13%) from the previous quarter and $75 million (or 14%) year-over-year.

• Average Total Loans and Leases:

• Increased by $2.8 billion (or 2%) from the prior quarter, totaling $135.9 billion.
• Year-over-year, it increased by $11.4 billion (or 9%).

• Breakdown includes:

  • Average Commercial Loans: Up $2.0 billion (or 3%) from the prior quarter, and $8.5 billion (or 12%) from a year ago.
  • Average Consumer Loans: Increased by $794 million (or 1%) from the prior quarter, and $2.9 billion (or 5%) year-over-year.

• Average Total Deposits:

• Increased by $1.4 billion (or 1%) from the prior quarter and $8.3 billion (or 5%) from a year ago.

• Net Charge-Offs:

• Reported at 0.22% of average total loans and leases, which is 2 basis points higher than the prior quarter.

• Nonperforming Assets Ratio:

• Held steady at 0.60%, which is 3 basis points lower than the prior quarter.

• Allowance for Credit Losses (ACL):

• Totaled $2.6 billion, representing 1.86% of total loans and leases, an increase of $47 million from the prior quarter.

• Capital Ratios:

• Common Equity Tier 1 (CET1) risk-based capital ratio increased to 10.6%, compared to 10.5% in the previous quarter.

• Tangible Common Equity (TCE) ratio rose to 6.8%, up from 6.6% in the prior quarter and 6.4% from a year ago.

• Tangible Book Value Per Share:

• Increased to $9.54, up $0.41 (or 4%) from the prior quarter and $0.89 (or 10%) year-over-year.

Dividend and Share Repurchase

• Quarterly Dividend:
• The company declared a quarterly dividend of $0.155 per common share, consistent with previous quarters.

Strategic Update

• Huntington is positioned to integrate with Veritex Holdings, Inc., with the combination scheduled for October 20, 2025. This merger is anticipated to bolster Huntington’s presence in Texas and enhance its growth prospects.

• Huntington was also ranked as the top non-captive regional lender in the 2025 J.D. Power U.S. Dealer Financing Satisfaction Study.

Conclusion

Huntington Bancshares continues to demonstrate robust growth across key financial metrics, supported by strategic initiatives and effective risk management practices. The company maintains a focus on integrating with Veritex to expand its geographical footprint and service offerings.

Table 1 – CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(in millions, except per share data)

(1) September 30, 2025 figure is estimated.

Table 2 – CONDENSED CONSOLIDATED BALANCE SHEETS

(in billions)