Huntington Bancshares Incorporated Earnings Recaps
Q3 2026
Oct 24, 2026
Huntington’s shares were roughly flat after earnings, down 0.4%. The company cited strong C&I growth and reiterated longer-term targets, while noting that pullbacks from some asset classes are weighing on loan growth.
Key takeaways
- Huntington reported $191 billion in loans and $225 billion in deposits, with its geographic model expanded across 21 states.
- Management said C&I growth remains very strong, driven by its national commercial strategy; it has scaled back in some asset classes where risk-adjusted pricing no longer meets its return standards.
- The company expects 2027 EPS to grow more than 20% from 2025 and ROTCE to rise to 17–18%; it also expects tangible book value per share to increase more than 10% from the 2025 level.
- Huntington said it had completed approximately $460 million in share repurchases year to date and expects to return substantial capital over the next several quarters.
- Management described liquidity as robust and credit performance as top tier, while flagging that higher rates and energy and input costs could dampen future growth or widen the consumer economy’s K-shape.
Q2 2026
Jul 25, 2026
Shares of Huntington Bancshares declined 5.0% following earnings, reflecting investor concerns about the cautious outlook and the modest pace of revenue synergy realization despite successful operational milestones.
Key takeaways
- Successfully completed the Cadence systems conversion 235 days post-announcement while growing deposits through the transition, highlighting operational execution.
- On track to achieve $365 million in cost synergies by Q4 2026, demonstrating progress on integration efforts.
- Revenue opportunity developing but still early, with approximately $12 million in capital markets fees generated since close and a pipeline of new client commitments nearing $1 billion across energy, commercial real estate, and auto floorplan segments.
- Management emphasized strategic repositioning and long-term growth potential but provided no concrete updates signaling acceleration in organic growth near term.
- No explicit changes to 2026 guidance were mentioned, yet the cautious tone and lack of pronounced upside in revenue growth likely weighed on investor sentiment.