Quarterly Results
Revenue and Income Trends
Net interest income was up 6% from the prior quarter and 14% from the year-ago quarter. Non-interest income was lower decreasing 7% versus the prior quarter, but increased 4% from Q4 2024.
Balance Sheet and Credit Quality
Average total loans and leases were $146.6 billion, up 8% sequentially and 14% year-over-year, including the impact of the Veritex acquisition. Average commercial loans increased 12% sequentially and 21% year-over-year. Average total deposits rose 5% sequentially and 9% year-over-year.
Credit metrics remained stable. Net charge-offs were 0.24% of average loans, slightly higher than prior quarter, but lower than the year-ago period. Non-performing asset ratio was 0.63%. The allowance for credit losses was $2.7 billion or 1.83% of total loans and leases.
Capital and Equity Metrics
Huntington’s CET1 risk-based capital ratio was 10.4% at quarter end, modestly lower than prior quarter. Tangible common equity increased sequentially to 7.1%. Tangible book value per share was $9.89, up 4% from prior quarter and 19% from the year-ago quarter.
Strategic Actions
Huntington completed its partnership and integration with Veritex Holdings on January 19, 2026. The company also reaffirmed its pending transaction with Cadence Bank, expected to close on February 1, 2026, following regulatory and shareholder approvals.
52-Week Stock Performance and Recent Trend
Over the past 52 weeks, Huntington’s stock reached a 52-week high of $18.04 in December 2025 reflecting positive investor interest in the bank’s expansion and strategic deals. Its one-year change in stock price showed modest growth, indicating relative stability in market performance.
Outlook and Guidance
Huntington did not issue formal guidance in the release. Management reaffirmed focus on organic growth, capital deployment, and integration activities in early 2026.