Huntington Bancshares Demonstrates Strong Growth in Fourth Quarter of 2025

Huntington Bancshares Reports Strong Q4 Results for 2025

Huntington Bancshares Incorporated has officially released its financial results for the fourth quarter of 2025, reflecting overall strong performance despite some declines in earnings per share. The Columbus, Ohio-based regional bank reported a net income of $519 million, or $0.30 per common share, for the quarter ending December 31, 2025. This represents a decrease of 17% from the previous quarter and a 2% decline from the same quarter a year ago. However, when adjustments for notable items are considered, the adjusted earnings per share increase to $0.37, showcasing an upward trend compared to the previous year.

Key Highlights from Q4 2025

During this quarter, Huntington experienced several noteworthy financial movements. Notably, net interest income increased by $86 million (6%) from the prior quarter, and by $197 million (14%) on a year-over-year basis. This robust growth significantly contributed to the bank's overall financial health.

In terms of loan portfolios, Huntington saw average total loans and leases rise by $10.7 billion (8%) from the prior quarter, totaling around $146.6 billion. This uptick can be attributed to continuous growth in both commercial and consumer lending segments. Average commercial loans grew by about $9.5 billion (12%), while consumer loans increased by $1.1 billion (2%). In addition, average total deposits also showed positive momentum, climbing by $8.3 billion (5%) quarter-over-quarter.

Despite these encouraging figures, Huntington experienced a slight uptick in its nonperformance asset ratio, which rose to 0.63% at the end of the quarter, up by 3 basis points compared to the previous quarter. The bank’s allowance for credit losses rose to $2.7 billion, indicating proactive measures to manage potential risks amidst a volatile economic landscape.

Strategic Partnerships and Future Growth

CEO Steve Steinour expressed confidence in the bank's trajectory, emphasizing the strategic partnerships that have positioned Huntington for further growth. The closing of the partnership with Veritex Holdings Inc. on January 19, 2026, has enhanced the bank's capabilities in key regions, particularly Texas and the Southern U.S. The upcoming integration with Cadence Bank, anticipated to close on February 1, 2026, is viewed as a critical milestone that will further enrich Huntington's market presence.

"Our strategic investments over the years have set a solid foundation for continuing our competitive edge, and we're optimistic about 2026," stated Steinour. His remarks highlight Huntington's planned focus on organic growth, strengthened by their robust operational backlogs and pipelines.

As Huntington Bancshares looks ahead, its focus will remain on enhancing customer experience through improved banking services, further integration of its recent partnerships, and maintaining a strong credit quality profile. These strategic goals are expected to drive value for customers, colleagues, and shareholders alike.

For more detailed insights into the financial performance, interested parties can access the quarterly financial release and conference call details available through the Investor Relations section on Huntington’s website.

Future Roadmap

Huntington’s ambitious plans for 2026 include the continuation of driving organic growth and enhancing their competitive advantages in the banking sector. As the landscape of banking evolves, Huntington is well-placed to adapt and thrive amidst these changes, ensuring sustainable profit growth and continued value for its stakeholders. With the successful integration of recent acquisitions and the strategic focus on regional growth, expectations for Huntington in the coming year are notably optimistic.