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Dec 31, 2025
Huntington Q4 2025 Earnings Report
Huntington Bancshares Incorporated reported its fourth-quarter 2025 earnings, with net income of $519 million and diluted EPS of $0.30.
Key Takeaways
Huntington Bancshares Incorporated delivered outstanding results in the fourth quarter of 2025, marked by accelerating organic growth, an expanded margin, and excellent credit performance. The company's strategic partnerships are expected to springboard future organic growth, with the Veritex acquisition successfully integrated and the Cadence Bank partnership anticipated to close soon.
Net interest income increased by $86 million, or 6%, from the prior quarter, and $197 million, or 14%, from the year-ago quarter.
Average total loans and leases increased by $10.7 billion, or 8%, from the prior quarter to $146.6 billion, inclusive of the Veritex acquisition.
Average total deposits increased by $8.3 billion, or 5%, from the prior quarter and $13.8 billion, or 9%, from the year-ago quarter, inclusive of the Veritex acquisition.
The tangible common equity (TCE) ratio improved to 7.1%, up from 6.8% in the prior quarter and 6.1% from a year ago.
Forward Guidance
Huntington's focus for 2026 remains on driving strong organic growth, supported by excellent momentum and robust backlogs and pipelines. The company is well-positioned to deliver exceptional profitability and long-term value.
Positive Outlook
- Strong organic growth is expected to continue in 2026.
- Backlogs and pipelines are robust, indicating future business.
- Strategic investments over several years position the company for accelerated value creation.
- Successful integration of Veritex and anticipated closing of Cadence partnership will springboard growth.
- Well-positioned to deliver exceptional profitability and long-term value for stakeholders.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Potential impacts from general economic, political, or industry conditions.
- Risks associated with instability in global economic conditions and geopolitical matters.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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