Huntington Bancshares (HBAN) official guidance
Huntington Bancshares (HBAN) official earnings guidance and management outlook. Each figure management stated is shown with its revisions and the source quote.
See the full Filings Intelligence suiteHBANHUNTINGTON BANCSHARES INC /MD/FY2026 · ends 2026-12-31
1 metric1 newearnings call · 8d
2026-10-22 14:22:05 UTC32.5%new32.5% vs FY2025
Based on the Q3 results, we now expect full-year deposit growth of about 32.5%.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2027 · ends 2027-12-31
1 metric1 loweredearnings call · 8d
2026-10-22 14:22:05 UTC$1.75 – $1.83lowered -6.5%
Looking ahead, we are tracking to our 2027 EPS guidance of $1.75 to $1.83.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-07-24 04:01:24 UTC$1.9 – $1.93maintained
Combined with ongoing tangible book value per share growth and meaningful share repurchases, we believe these factors create a clear line of sight to our 2027 earnings objective of $1.90-$1.93 per share.
HBAN · transcript · Q2 FY2026
2026-07-24 04:00:00 UTCOpen source
2026-04-24 04:01:38 UTC$1.9 – $1.93new
The second key milestone is our 2027 earnings per share projection of $1.90-$1.93, with a return on tangible common equity of between 18%-19%.
HBAN · transcript · Q1 FY2026
2026-04-24 04:00:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2026 · ends 2026-12-31
2 metrics1 lowered1 newearnings call · 8d
2026-10-22 14:22:05 UTC1.5%new
We are also executing our expense reengineering initiatives across the bank, and we expect to reengineer approximately 1.5% of our baseline expenses this year, creating additional capacity to invest in growth while delivering strong operating leverage.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-10-22 14:22:05 UTC31%lowered -3.1%31% vs FY2025
This level indicates a full year growth rate of approximately 31%.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-04-24 04:01:38 UTC31% – 33%raised +120.7%
Based on our current pipeline of activity, we're raising our expectations for fee revenue growth by 4 percentage points to 31%-33%.
HBAN · transcript · Q1 FY2026
2026-04-24 04:00:00 UTCOpen source
2026-01-23 05:01:35 UTC13% – 16%new13% – 16% vs FY2025
Moving to non-interest income, we expect fee revenues to grow between 13% and 16%.
HBAN · transcript · Q4 FY2025
2026-01-23 05:00:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2027 · ends 2027-12-31
2 metrics2 newearnings call · 8d
2026-10-22 14:22:05 UTC1% – 2%new1% – 2% vs FY2026
Plus a percentage point or two of fee income generation would get you to revs of 7%, 8%, an operating leverage of 300 basis points.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-10-22 14:22:05 UTC$150Mnew
The first is we expect to realize about $150 million of incremental cost synergies as we anniversary the run rate benefits that we've achieved in terms of the Cadence synergies late this year.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2026 · ends 2026-12-31
2 metrics1 raised1 loweredearnings call · 8d
2026-10-22 14:22:05 UTC6%lowered -47.8%6% vs FY2025
Our loan growth remains on track to achieve about a 6% organic growth rate or approximately 36% on a reported basis.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-01-23 05:01:35 UTC11% – 12%new11% – 12% vs FY2025
Starting with net interest income, we expect growth on a standalone basis between 10% and 13%, supported by 11%-12% growth in loans and 8%-9% growth in deposits.
HBAN · transcript · Q4 FY2025
2026-01-23 05:00:00 UTCOpen source
2026-10-22 14:22:05 UTC36%raised +453.8%36% vs FY2025
Our loan growth remains on track to achieve about a 6% organic growth rate or approximately 36% on a reported basis.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2025-10-18 04:01:52 UTCmid to high single digitsnew4% – 9% vs FY2025
As I look out into next year, the 26, clearly not giving formal guidance at this moment, but you know, our working assumption is somewhere in the mid to high single digits. For year over year loan growth in 2026 as well.
HBAN · transcript · Q3 FY2025
2025-10-18 04:00:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2027 · ends 2027-12-31
1 metric1 loweredearnings call · 8d
2026-10-22 14:22:05 UTC6%lowered -25.0%6% vs FY2026
What are we saying? We're saying 6% loan growth, which we're tracking to currently and expect to continue, and flat NIMs.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-07-24 04:01:24 UTCHigh single digits loan growthnew7% – 9% vs FY2026
High single digits loan and deposit growth.
HBAN · transcript · Q2 FY2026
2026-07-24 04:00:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2026 · ends 2026-12-31
2 metrics1 newearnings call · 8d
2026-10-22 14:22:05 UTC25 bps – 35 bps
We continue to expect full-year net charge-offs to finish near the low end of our 25-35 basis point guidance range.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-07-24 04:01:24 UTCin the lower half of our 25 basis points-35 basis point charge-off range
Credit performance remains excellent, and we now expect net charge-offs to be in the lower half of our 25 basis points-35 basis point charge-off range.
HBAN · transcript · Q2 FY2026
2026-07-24 04:00:00 UTCOpen source
2026-01-23 05:01:35 UTC25 bps – 35 bpsnew
We expect net charge-offs for the year to be between 25 and 35 basis points.
HBAN · transcript · Q4 FY2025
2026-01-23 05:00:00 UTCOpen source
2026-10-22 14:22:05 UTC35%new35% vs FY2025
These two factors support our full-year NII growth expectation of approximately 35%.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2027 · ends 2027-12-31
2 metrics2 newearnings call · 8d
2026-10-22 14:22:05 UTC6%new6% vs FY2026
That would tell you NII of about 6%.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-10-22 14:22:05 UTCflat NIMsnew
What are we saying? We're saying 6% loan growth, which we're tracking to currently and expect to continue, and flat NIMs.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/Q4 FY2026 · ends 2026-12-31
2 metrics1 newearnings call · 8d
2026-10-22 14:22:05 UTCapproximately flat in Q4
As I noted earlier, we expect NIM to be approximately flat in Q4.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-07-24 04:01:24 UTCmid to high 320 basis pointsnew
We expect the NIM just to rise modestly into the low 320 basis points in the third quarter then into the mid to high 320 basis points in the fourth quarter.
HBAN · transcript · Q2 FY2026
2026-07-24 04:00:00 UTCOpen source
2026-10-22 14:22:05 UTCflat in Q4 versus the Q3 levelnew
We expect core expenses to be flat in Q4 versus the Q3 level.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2026 · ends 2026-12-31
1 metricearnings call · 8d
2026-10-22 14:22:05 UTCat least 100 bps
Looking ahead, we expect to deliver equal to or greater than 100 basis points of positive operating leverage in 2026 on a full-year basis.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-04-24 04:01:38 UTC400 bps – 450 bpsraised +142.9%
All of this will likely result in full year operating leverage that is modestly lower than our initial guidance, and we now expect it to be in the range of 400 basis points-450 basis points for this year.
HBAN · transcript · Q1 FY2026
2026-04-24 04:00:00 UTCOpen source
2026-01-23 05:01:35 UTC150 bps – 200 bps
We anticipate core expenses will grow 10%-11%, and we expect to deliver a baseline of 150-200 basis points of operating leverage.
HBAN · transcript · Q4 FY2025
2026-01-23 05:00:00 UTCOpen source
2025-10-18 04:01:52 UTC1% – 2%new
All things equal, when we do budgeting, we start with an assumption of at least 1% operating leverage. Any given year, and potentially up to 2%. As as I'm thinking about next year, were still finalizing that budget, but that's a pretty reasonable range for you to expect for for twenty six.
HBAN · transcript · Q3 FY2025
2025-10-18 04:00:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/FY2027 · ends 2027-12-31
3 metrics2 lowered1 newearnings call · 8d
2026-10-22 14:22:05 UTC300 bpslowered -33.3%
Plus a percentage point or two of fee income generation would get you to revs of 7%, 8%, an operating leverage of 300 basis points.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-07-24 04:01:24 UTC400 bps – 500 bpsnew
On expenses, we're expecting to see between 400 basis points-500 basis points of total operating leverage.
HBAN · transcript · Q2 FY2026
2026-07-24 04:00:00 UTCOpen source
2026-10-22 14:22:05 UTC9% – 10%new9% – 10% vs FY2026
You're looking at PPNR growth, we think next year, of 9%-10%.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-10-22 14:22:05 UTC17% – 18%lowered -5.4%
We continue to expect ROTCE to trend to the 17%-18% range in 2027 and to 18% plus over the longer term.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source
2026-04-24 04:01:38 UTC18% – 19%new
This positions the business to increase return on tangible common equity by 200 basis points in 2027 to a range of 18%-19%.
HBAN · transcript · Q1 FY2026
2026-04-24 04:00:00 UTCOpen source
HBANHUNTINGTON BANCSHARES INC /MD/Q4 FY2026 · ends 2026-12-31
1 metric1 newearnings call · 8d
2026-10-22 14:22:05 UTC$750Mnew-76.9% vs Q4 FY2025
We expect to generate fourth quarter fee revenue of approximately $750 million, plus or minus the normal variability around an estimate at this point in the quarter.
HBAN · transcript · Q3 FY2026
2026-10-22 14:21:00 UTCOpen source