Revenue segments as reported by the company.

Interest income

Noninterest income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Interest expense

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Provision for credit losses

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

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Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Huntington Bancshares

Huntington Bancshares, Inc. operates as a bank holding company. It provides commercial and consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment leasing, investment management, trust services, brokerage services, insurance programs, other financial products and services. The firm operates through the following segments: Consumer & Business Banking, Commercial Banking, Commercial Real Estate & Vehicle Finance, Regional Banking & The Huntington Private Client Group, and Home Lending. The Consumer & Business Banking segment provides financial products and services to consumer and small business customers including but not limited to checking accounts, savings accounts, money market accounts, certificates of deposit, investments, consumer loans, credit cards and small business loans. The Commercial Banking segment provides products and services to the middle market, large corporate, and government public sector customers located primarily within its geographic footprint. The segment is divided into following business units: Middle Market, Large Corporate, Specialty Banking, Asset Finance, Capital Markets, Treasury Management, and Insurance. The Commercial Real Estate & Vehicle Finance segment provides products and services include providing financing for land, buildings, and other commercial real estate owned or constructed by real estate developers, automobile dealerships, or other customers with real estate project financing needs, and financing for the purchase of automobiles, light-duty trucks, recreational vehicles and marine craft at franchised dealerships, financing the acquisition of new and used vehicle inventory of franchised automotive dealerships. The Regional Banking and The Huntington Private Client Group segment consists of private banking, wealth & investment management, and retirement plan services. The Home Lending segment originates and services consumer loans and mortgages for customers who are located in primary banking markets. The company was founded in 1866 and is headquartered in Columbus, OH.

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Earnings data Q4 2022

Earnings data Q1 2023

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Earnings data Q1 2024

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Earnings data Q4 2024

Huntington Bancshares reports record earnings and strategic growth plans

Huntington Bancshares delivered a strong performance in Q4 2022, driven by record earnings, robust capital metrics, and a focus on operational efficiency.
While facing challenges such as managing NIM and controlling net charge-offs, the company remains confident in its credit quality and long-term growth prospects.
Opportunities for revenue growth in capital markets, continued success of Capstone, and strategic expense management strategies position Huntington for sustained performance.
Overall, Huntington Bancshares' focus on financial strength, credit quality, and operational efficiency sets a solid foundation for future growth and profitability.

Huntington Bancshares reports robust Q1 performance amidst economic uncertainties

Huntington Bancshares delivered strong financial performance in Q1 2023, driven by loan and deposit growth despite challenges like potential recession concerns.
The company's focus on expense management and strategic investments positions it well for future growth opportunities and maintaining shareholder value.
With a proactive approach to risk management and optimizing loan categories, Huntington is poised to navigate market uncertainties and capitalize on emerging opportunities.
Strengthening capital position and liquidity management reflect the company's commitment to resilience and long-term value creation.

Huntington Bancshares reports solid Q2 performance amidst rising challenges

Huntington Bancshares (HBAN) delivered strong financial performance in Q2, focusing on deposit growth, credit quality, and expense management. While facing challenges from rising deposit costs and NIM pressure, the company remains resilient through strategic investments and efficient operations. Opportunities exist in aligning loan growth with deposits and adapting to regulatory changes for sustained growth.

Huntington Bancshares reports solid Q3 performance amidst growth opportunities

Huntington Bancshares showcased strong financial performance, proactive expense management, and a focus on core growth strategies in Q3 2023.
While facing challenges such as expense growth and economic uncertainties, the company remains optimistic about opportunities for growth and financial resilience.
With a commitment to financial strength, efficiency, and strategic investments, Huntington Bancshares aims to drive consistent strong performance and create value for shareholders.

Huntington Bancshares posts strong Q4 results, eyes growth opportunities

Huntington Bancshares (HBAN) reported solid Q4 2023 results with growth in key financial metrics. The company is focused on managing credit rigorously, driving efficiency, and pursuing growth opportunities in core banking and new markets. Despite challenges in net interest income and expenses, Huntington is well-positioned for future success.

Huntington Bancshares reports solid Q2 earnings and eyes continued growth

Huntington Bancshares (HBAN) showcased strong financial performance in Q2 2024, driven by earnings growth, robust credit quality, and strategic revenue diversification.
The company's focus on organic growth, expense management, and credit performance positions it for sustained profitability and resilience in the market.
While challenges like managing deposit beta and balancing expenses persist, Huntington Bancshares remains optimistic about its growth trajectory and profitability outlook.

Huntington Bancshares excels in Q3 2024, eyes Carolinas expansion

Huntington Bancshares (HBAN) reported a strong quarter with notable loan and deposit growth, fee income expansion, and solid credit quality, underlining its financial resilience.
The company's disciplined expense management, strategic investments, and capital optimization efforts position it well for sustained growth and value creation.
While challenges exist in maintaining growth momentum and managing risks, Huntington Bancshares is leveraging opportunities in new markets and revenue streams to drive future success.

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Cost of revenue

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Huntington Bancshares, Inc. is a bank holding company, which engages in the provision of full-service commercial and consumer deposit, lending, and other banking services. It operates through the following segments: Consumer and Regional Banking, Commercial Banking, and Treasury and Other. The Consumer and Regional Banking segment provides a wide array of financial products and services to consumer and business customers including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services. The Commercial Banking segment is involved in expertise through bankers, capabilities, and digital channels, and includes a comprehensive set of product offerings. The Treasury and Other segment focuses on technology and operations, other unallocated assets, liabilities, revenue, and expense. The company was founded in 1866 and is headquartered in Columbus, OH.

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Despite a challenging operating backdrop in 2022, the S&P 500 banks - Regions (RF), M&T Bank (MTB) and Huntington (HBAN) - remain on investors' radar on strong fundamentals and prospects.

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New Year 2023 will see a continued tightening of monetary policy as the Federal Reserve attempts to rein in sky-high inflation. Following the 50 basis point rate hike in Dec., there are expectations that Feb. and March will see 25 basis point rate hikes, respectively.

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COLUMBUS, Ohio , Dec. 21, 2022 /PRNewswire/ -- Huntington Bancshares Incorporated (Nasdaq: HBAN) expects to report its 2022 fourth quarter earnings on Friday, January 20, 2023, prior to the market opening.  A news release and supporting financial data will be available at that time on the Investor Relations section of the company's website.

HUNTINGTON BANCSHARES INCORPORATED TO ANNOUNCE 2022 FOURTH QUARTER EARNINGS AND HOLD EARNINGS CONFERENCE CALL JANUARY 20, 2023

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The present scenario is a double-edged sword for banks, including JPMorgan (JPM), Bank of America (BAC), Huntington (HBAN), BOK Financial (BOKF) & Zions (ZION), as the Fed signals more rate hikes and substantial economic slowdown in 2023.

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COLUMBUS, Ohio , Dec. 15, 2022 /PRNewswire/ -- Huntington Bancshares Incorporated (Nasdaq: HBAN) announced that its prime rate is increasing from 7 percent to 7.5 percent, effective December 15, 2022. The rate was last changed on November 3, 2022, when Huntington increased its prime rate from 6.25 percent to 7 percent.

HUNTINGTON BANCSHARES INCORPORATED INCREASES ITS PRIME RATE TO 7.5 PERCENT

Banking-specific digital guides will help make activities more accessible; equitable COLUMBUS, Ohio , Dec. 14, 2022 /PRNewswire/ -- Huntington National Bank, a subsidiary of Huntington Bancshares, Incorporated (Nasdaq: HBAN), announced a new collaboration with MagnusCards by Magnusmode, a free app that provides digital, step-by-step visual guides in the form of Card Decks to make everyday experiences easier to navigate for autistic and neurodiverse people. Each digital Card Deck combines educational methods, visual instruction, personal assistance from Magnusmode, and realistic scenarios to support inclusive and independent living.

Huntington National Bank and Magnusmode Collaborate to Enhance the Banking Experience for Autistic and Neurodiverse People

COLUMBUS, Ohio , Dec. 2, 2022 /PRNewswire/ -- Huntington Bancshares Incorporated (Nasdaq: HBAN) will participate in the Goldman Sachs 2022 US Financial Services Conference on Wednesday, December 7, 2022. Steve Steinour, chairman, president, and chief executive officer, and Zach Wasserman, chief financial officer, are scheduled to present in-person to analysts and investors at 9:20 AM (Eastern Time).

HUNTINGTON BANCSHARES TO PRESENT AT THE GOLDMAN SACHS 2022 US FINANCIAL SERVICES CONFERENCE

Win Marks Third 'Investment Bank of the Year' Accolade for Capstone this Year BOSTON , Nov. 30, 2022 /PRNewswire/ -- Capstone Partners, a leading middle market investment banking firm, is honored to share that it was named "Middle Market Investment Banking Firm of the Year" by The M&A Advisor at their 21st Annual M&A Awards in New York, NY on November 15, 2022. This marks Capstone's third esteemed 'Investment Bank of the Year' award earned this year.

Capstone Partners Named "Middle Market Investment Bank of the Year" at 21st Annual M&A Advisor Awards

LOS ANGELES--( BUSINESS WIRE )--InvestCloud, the global leader in financial digital transformation, today announced that Huntington National Bank has launched Advisor Connect, a branded, digital experience built on InvestCloud's Find My Advisor technology. Huntington is a subsidiary of Huntington Bancshares Incorporated (Nasdaq: HBAN), a $179 billion asset regional bank holding company headquartered in Columbus, Ohio.

Huntington National Bank Launches InvestCloud's New Find My Advisor Experience

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COLUMBUS, Ohio, Nov. 3, 2022 /PRNewswire/ -- Huntington Bancshares Incorporated (Nasdaq: HBAN) announced that its prime rate is increasing from 6.25 percent to 7 percent, effective November 3, 2022. The rate was last changed on September 22, 2022, when Huntington increased its prime rate from 5.5 percent to 6.25 percent.

HUNTINGTON BANCSHARES INCORPORATED INCREASES ITS PRIME RATE TO 7 PERCENT

LiquidX technology will provide comprehensive back-office support  for end-to-end automation and efficiency COLUMBUS, Ohio , Nov. 1, 2022 /PRNewswire/ -- Huntington National Bank (Nasdaq: HBAN) announced today it has selected LiquidX to provide an automated, end-to-end back-office solution to scale its trade finance infrastructure. LiquidX is a leading global fintech platform for digitization, monetization, and risk mitigation for working capital, trade finance, and insurance assets.

Huntington National Bank selects LiquidX as strategic supply chain finance provider

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The bank reported earnings results for the third quarter of the year.

Why Huntington Bancshares' Stock Rose Today

Huntington Bancshares Corp. stock rallied Friday as the financial-services company raised its outlook for net interest income above Wall Street estimates while acknowledging the economic headwinds that have been challenging banks during the third-quarter earnings season.

Huntington Bancshares takes long view as other banks scramble on mortgages, auto loans and lower deposits

Net interest income growth and lower expenses drive Huntington's (HBAN) Q3 earnings. Improved credit metrics are encouraging.

Huntington (HBAN) Q3 Earnings Beat Estimates on Revenue Growth

Huntington Bancshares Inc. HBAN, +8.41% rose 7.9% on Friday after the financial services company forecast stronger-than-expected net interest income as the company said it's been performing "exceptionally well" despite economic headwinds in the sector. Huntington hiked its view for net interest income in the fourth quarter to rise in the high 20% to low 30% range over the year-ago period, up from its earlier estimate for an increase in the low-to-mid 20% range.

Huntington Bancshares rallies on hiked net interest income outlook

Huntington Bancshares Incorporated (NASDAQ:HBAN ) Q3 2022 Earnings Conference Call October 21, 2022 9:00 AM ET Company Participants Tim Sedabres - Director, Investor Relations Steve Steinour - Chairman, President & Chief Executive Officer Zach Wasserman - Chief Financial Officer Rich Pohle - Chief Credit Officer Conference Call Participants Betsy Graseck - Morgan Stanley Scott Siefers - Piper Sandler Steven Alexopoulos - JPMorgan Ken Usdin - Jefferies Jon Arfstrom - RBC Matt O'Connor - Deutsche Bank Erika Najarian - UBS Operator Greetings, and welcome to the Huntington Bancshares Third Quarter Earnings Call. At this time, all participants are in a listen-only mode.

Huntington Bancshares Incorporated (HBAN) Q3 2022 Earnings Call Transcript

Second Consecutive Quarter of Record Net Income with Total Revenue Up 9% Sequentially 2022 Third-Quarter Highlights: Earnings per common share (EPS) for the quarter were $0.39, an increase of $0.04 from the prior quarter. Net interest income increased $143 million, or 11%, from the prior quarter, reflecting net interest margin expansion of 27 basis points to 3.42% and higher average total loans and leases.

HUNTINGTON BANCSHARES INCORPORATED REPORTS 2022 THIRD-QUARTER EARNINGS

The company's top and bottom-lines appear to be in solid shape, both estimated to grow by more than 8% Y/Y.

Huntington Bancshares Q3 Preview; Estimates Indicate Solid Growth

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Solid loan demand and rising rates leading to improvement in NII are likely to have aided the Q3 earnings of Comerica (CMA), Huntington Bancshares (HBAN) and Zions (ZION).

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Huntington's (HBAN) Q3 earnings results are expected to reflect NII growth, backed by higher rates and an improved lending scenario. Increased fee income is also likely to have bolstered the top line.

What's in the Offing for Huntington (HBAN) in Q3 Earnings?

Huntington Bancshares (HBAN) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

News for Huntington Bancshares Stock (HBAN)