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Sep 30, 2025
Huntington Q3 2025 Earnings Report
Huntington Bancshares reported strong Q3 2025 results, driven by higher net interest income and fee revenue growth.
Key Takeaways
The company delivered robust performance with $629 million in net income and $2.15 billion in revenue. Loan and deposit growth remained solid, net interest margin expanded, and credit quality held stable. EPS rose to $0.41 with continued improvement in capital ratios.
Net interest income increased to $1.506 billion, up $39 million from Q2.
Noninterest income surged to $628 million, with gains across key fee categories.
Net income rose 17% QoQ to $629 million.
Strong loan growth contributed to a 2 basis point increase in net interest margin to 3.13%.
Forward Guidance
Huntington projects continued loan and deposit growth, with strong execution of strategic initiatives including its upcoming Veritex merger.
Positive Outlook
- Continued loan and deposit momentum.
- Strong net interest margin performance.
- Diversified noninterest income growth.
- Capital ratios improving within target ranges.
- Imminent Veritex merger expected to fuel growth in Texas.
Challenges Ahead
- Modest increase in net charge-offs.
- Rising noninterest expenses including personnel and tech costs.
- Ongoing FDIC special assessment expense impacts.
- Potential volatility from credit risk transfer activity.
- Higher provision for credit losses YoY and QoQ.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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