HUNTINGTON BANCSHARES INC /MD/ (HBAN) financial statements: income statement, balance sheet and cash flow

HUNTINGTON BANCSHARES INC /MD/'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), HUNTINGTON BANCSHARES INC /MD/ reported net income of $2.2B (+14.0% year on year).

Income statement

HUNTINGTON BANCSHARES INC /MD/ income statement, fiscal years

Line item	Dec 31, 2025 · FY	Dec 31, 2024 · FY	Dec 31, 2023 · FY	Dec 31, 2022 · FY
Loans and leases	$8.1B	$7.5B	$6.8B	$4.8B
Taxable	$1.0B	$1.3B	$1.0B	$576.0M
Tax-exempt	$132.0M	$112.0M	$104.0M	$74.0M
Held-to-maturity securities-taxable	$423.0M	$385.0M	$401.0M	$351.0M
Other securities-taxable	$47.0M	$42.0M	$53.0M	$27.0M
Other	$593.0M	$650.0M	$531.0M	$125.0M
Total interest income	$10.3B	$9.9B	$8.9B	$6.0B
Deposits	$3.3B	$3.6B	$2.5B	$363.0M
Short-term borrowings	$50.0M	$69.0M	$179.0M	$46.0M
Long-term debt	$987.0M	$935.0M	$801.0M	$287.0M
Total interest expense	$4.3B	$4.6B	$3.5B	$696.0M
Net interest income	$6.0B	$5.3B	$5.4B	$5.3B
Provision for credit losses	$463.0M	$420.0M	$402.0M	$289.0M
Net interest income after provision for credit losses	$5.5B	$4.9B	$5.0B	$5.0B
Noninterest income	$2.2B	$2.0B	$1.9B	$2.0B
Personnel costs	$3.0B	$2.7B	$2.5B	$2.4B
Outside data processing and other services	$772.0M	$665.0M	$605.0M	$610.0M
Equipment	$268.0M	$267.0M	$263.0M	$269.0M
Net occupancy	$232.0M	$221.0M	$246.0M	$246.0M
Professional services	$155.0M	$99.0M	$99.0M	$77.0M
Marketing	$127.0M	$116.0M	$115.0M	$91.0M
Deposit and other insurance expense	$65.0M	$114.0M	$302.0M	$67.0M
Amortization of intangibles	$46.0M	$47.0M	$50.0M	$53.0M
Lease financing equipment depreciation	$13.0M	$15.0M	$27.0M	$45.0M
Other noninterest expense	$342.0M	$317.0M	$338.0M	$342.0M
Total noninterest expense	$5.0B	$4.6B	$4.6B	$4.2B
Income before income taxes	$2.7B	$2.4B	$2.4B	$2.8B
Provision for income taxes	$459.0M	$443.0M	$413.0M	$515.0M
Income after income taxes	$2.2B	$2.0B	$2.0B	$2.2B
Income attributable to non-controlling interest	$18.0M	$20.0M	$20.0M	$11.0M
Net income attributable to Huntington	$2.2B	$1.9B	$2.0B	$2.2B
Dividends on preferred shares	124.0M	134.0M	142.0M	113.0M
Impact of preferred stock redemptions and repurchases	$0	$5.0M	($8.0M)	$0
Net income applicable to common shares	2.1B	1.8B	1.8B	2.1B
Average common shares—basic (in shares)	1.5B	1.5B	1.4B	1.4B
Average common shares—diluted (in shares)	1.5B	1.5B	1.5B	1.5B
Net income—basic (in USD per share)	$1.41	$1.24	$1.26	$1.47
Net income—diluted (in USD per share)	$1.39	$1.22	$1.24	$1.45

HUNTINGTON BANCSHARES INC /MD/ income statement, quarters

Line item	Jun 30, 2026 · Q2	Mar 31, 2026 · Q1	Sep 30, 2025 · Q3	Jun 30, 2025 · Q2
Loans and leases	$2.8B	$2.5B	$2.0B	$2.0B
Taxable	$285.0M	$258.0M	$246.0M	$278.0M
Tax-exempt	$34.0M	$33.0M	$33.0M	$31.0M
Held-to-maturity securities—taxable	$97.0M	$99.0M	$105.0M	$107.0M
Other securities—taxable	$17.0M	$16.0M	$12.0M	$12.0M
Other	$177.0M	$162.0M	$154.0M	$157.0M
Total interest income	$3.4B	$3.1B	$2.6B	$2.6B
Deposits	$1.0B	$920.0M	$830.0M	$822.0M
Short-term borrowings	$18.0M	$16.0M	$13.0M	$13.0M
Long-term debt	$264.0M	$259.0M	$251.0M	$254.0M
Total interest expense	$1.3B	$1.2B	$1.1B	$1.1B
Net interest income	$2.1B	$1.9B	$1.5B	$1.5B
Provision for credit losses	$132.0M	$158.0M	$122.0M	$103.0M
Net interest income after provision for credit losses	$1.9B	$1.7B	$1.4B	$1.4B
Noninterest income	$785.0M	$682.0M	$628.0M	$471.0M
Personnel costs	$1.0B	$992.0M	$757.0M	$722.0M
Outside data processing and other services	$326.0M	$311.0M	$198.0M	$182.0M
Equipment	$96.0M	$93.0M	$66.0M	$68.0M
Net occupancy	$90.0M	$85.0M	$57.0M	$54.0M
Professional services	$31.0M	$44.0M	$9.0M	$20.0M
Marketing	$38.0M	$37.0M	$34.0M	$28.0M
Deposit and other insurance expense	$38.0M	$35.0M	$31.0M	$22.0M
Amortization of intangibles	$54.0M	$41.0M	$11.0M	$11.0M
Lease financing equipment depreciation	$2.0M	$3.0M	$4.0M	$2.0M
Other noninterest expense	$124.0M	$133.0M	$79.0M	$88.0M
Total noninterest expense	$1.8B	$1.8B	$1.2B	$1.2B
Income before income taxes	$896.0M	$641.0M	$766.0M	$638.0M
Provision for income taxes	$165.0M	$114.0M	$133.0M	$96.0M
Income after income taxes	$731.0M	$527.0M	$633.0M	$542.0M
Income attributable to non-controlling interest	$4.0M	$4.0M	$4.0M	$6.0M
Net income attributable to Huntington	$727.0M	$523.0M	$629.0M	$536.0M
Dividends on preferred shares	41.0M	41.0M	27.0M	27.0M
Net income applicable to common shares	686.0M	482.0M	602.0M	509.0M
Average common shares—basic (in shares)	2.0B	1.9B	1.5B	1.5B
Average common shares—diluted (in shares)	2.0B	1.9B	1.5B	1.5B
Net income—basic (in usd per share)	$0.34	$0.26	$0.41	$0.35
Net income—diluted (in usd per share)	$0.33	$0.25	$0.41	$0.34

Balance sheet

HUNTINGTON BANCSHARES INC /MD/ balance sheet, fiscal years

Line item	Dec 31, 2025 · FY	Dec 31, 2024 · FY	Dec 31, 2023 · FY	Dec 31, 2022 · FY
Cash and due from banks	$1.8B	$1.7B	$1.6B	$1.8B
Interest-earning deposits with banks	$12.3B	$11.6B	$8.8B	$214.0M
Trading account securities	$63.0M	$53.0M	$125.0M	$19.0M
Available-for-sale securities	$26.1B	$27.3B	$25.3B	$23.4B
Held-to-maturity securities	$15.3B	$16.4B	$15.8B	$17.1B
Other securities	$994.0M	$823.0M	$725.0M	$854.0M
Loans held for sale (includes $885 and $652, respectively, measured at fair value)	$1.4B	$654.0M	$516.0M	$529.0M
Loans and leases (includes $167 and $173, respectively, measured at fair value)	$149.6B	$130.0B	$122.0B	$119.5B
Allowance for loan and lease losses	($2.5B)	($2.2B)	($2.3B)	($2.1B)
Net loans and leases	$147.1B	$127.8B	$119.7B	$117.4B
Bank owned life insurance	$2.9B	$2.8B	$2.8B	$2.8B
Accrued income and other receivables	$2.6B	$2.2B	$1.6B	$1.6B
Premises and equipment	$1.3B	$1.1B	$1.1B	$1.2B
Goodwill	$6.0B	$5.6B	$5.6B	$5.6B
Servicing rights and other intangible assets	$752.0M	$677.0M	$672.0M	$712.0M
Other assets	$6.5B	$5.6B	$5.2B	$4.9B
Total assets	$225.1B	$204.2B	$189.4B	$182.9B
Demand deposits—noninterest-bearing	$32.2B	$29.3B	$31.0B	$38.2B
Interest-bearing	$144.4B	$133.1B	$120.3B	$109.7B
Total deposits	$176.6B	$162.4B	$151.2B	$147.9B
Short-term borrowings	$1.3B	$199.0M	$620.0M	$2.0B
Long-term debt	$17.2B	$16.4B	$12.4B	$9.7B
Dividends payable, accrued expenses, and other liabilities	$5.6B	$5.4B	$5.7B	$5.5B
Total liabilities	$200.7B	$184.4B	$170.0B	$165.1B
Preferred stock	$2.7B	$2.0B	$2.4B	$2.2B
Common stock	$16.0M	$15.0M	$15.0M	$14.0M
Capital surplus	$17.2B	$15.5B	$15.4B	$15.3B
Less treasury shares, at cost	-92.0M	-86.0M	-91.0M	-80.0M
Accumulated other comprehensive income (loss)	($1.9B)	($2.9B)	($2.7B)	($3.1B)
Retained earnings	$6.4B	$5.2B	$4.3B	$3.4B
Total Huntington shareholders’ equity	$24.3B	$19.7B	$19.4B	$17.7B
Non-controlling interest	$37.0M	$42.0M	$45.0M	$38.0M
Total equity	$24.4B	$19.8B	$19.4B	$17.8B
Total liabilities and equity	$225.1B	$204.2B	$189.4B	$182.9B
Common shares authorized (par value of $0.01) (in shares)	2.3B	2.3B	2.3B	2.3B
Common shares outstanding (in shares)	1.6B	1.5B	1.4B	1.4B
Common shares issued (in shares)	1.6B	—	—	—
Treasury shares outstanding (in shares)	7.2M	7.0M	7.4M	6.3M
Preferred stock, authorized shares (in shares)	6.6M	6.6M	6.6M	6.6M
Preferred shares outstanding (in shares)	885.0K	877.5K	881.6K	557.5K

HUNTINGTON BANCSHARES INC /MD/ balance sheet, quarters

Line item	Jun 30, 2026	Mar 31, 2026	Sep 30, 2025	Jun 30, 2025
Cash and due from banks	$3.3B	$2.1B	$1.7B	$1.8B
Interest-earning deposits with banks	$12.7B	$17.6B	$11.5B	$9.2B
Trading account assets	$326.0M	$199.0M	$81.0M	$481.0M
Available-for-sale securities	$35.2B	$35.6B	$26.1B	$28.3B
Held-to-maturity securities	$14.4B	$14.8B	$15.6B	$16.0B
Other securities	$1.4B	$1.3B	$870.0M	$878.0M
Loans held for sale (includes $1,287 and $885, respectively, measured at fair value)	$1.9B	$1.1B	$823.0M	$876.0M
Loans and leases (includes $164 and $167, respectively, measured at fair value)	$189.4B	$188.8B	$138.0B	$135.0B
Allowance for loan and lease losses	($3.2B)	($3.2B)	($2.4B)	($2.3B)
Net loans and leases	$186.2B	$185.6B	$135.6B	$132.6B
Bank-owned life insurance	$3.7B	$3.7B	$2.8B	$2.8B
Accrued income and other receivables	$3.0B	$2.2B	$1.8B	$1.7B
Premises and equipment	$2.2B	$2.1B	$1.1B	$1.1B
Goodwill	$9.5B	$9.5B	$5.5B	$5.6B
Servicing rights and other intangible assets	$1.7B	$1.7B	$644.0M	$647.0M
Other assets	$8.6B	$8.0B	$6.0B	$5.8B
Total assets	$284.0B	$285.4B	$210.2B	$207.7B
Demand deposits—noninterest-bearing	$40.1B	$40.8B	$28.6B	$28.7B
Interest-bearing	$182.3B	$182.6B	$136.6B	$134.7B
Total deposits	$222.5B	$223.5B	$165.2B	$163.4B
Short-term borrowings	$3.1B	$1.9B	$252.0M	$576.0M
Long-term debt	$18.7B	$21.6B	$17.3B	$17.5B
Other liabilities	$7.0B	$5.8B	$5.2B	$5.3B
Total liabilities	$251.3B	$252.8B	$187.9B	$186.8B
Preferred stock	$2.9B	$2.9B	$2.7B	$2.0B
Common stock	$20.0M	$20.0M	$15.0M	$15.0M
Capital surplus	$25.1B	$25.3B	$15.5B	$15.5B
Less treasury shares, at cost	-94.0M	-95.0M	-87.0M	-87.0M
Accumulated other comprehensive income (loss)	($2.2B)	($2.1B)	($2.1B)	($2.2B)
Retained earnings	$6.9B	$6.5B	$6.1B	$5.8B
Total Huntington shareholders’ equity	$32.6B	$32.5B	$22.2B	$20.9B
Non-controlling interest	$41.0M	$46.0M	$38.0M	$42.0M
Total equity	$32.7B	$32.6B	$22.3B	$21.0B
Total liabilities and equity	$284.0B	$285.4B	$210.2B	$207.7B
Common shares authorized (in shares)	2.3B	2.3B	2.3B	2.3B
Common share outstanding (in shares)	2.0B	2.0B	1.5B	1.5B
Common shares issued (in shares)	2.0B	2.0B	—	—
Treasury shares outstanding (in shares)	7.2M	7.3M	6.9M	7.0M
Preferred stock, authorized shares (in shares)	6.6M	6.6M	6.6M	6.6M
Preferred shares outstanding (in shares)	891.9K	891.9K	885.0K	877.5K

Cash flow statement

HUNTINGTON BANCSHARES INC /MD/ cash flow statement, fiscal years

Line item	Dec 31, 2025 · FY	Dec 31, 2024 · FY	Dec 31, 2023 · FY	Dec 31, 2022 · FY
Net income	$2.2B	$2.0B	$2.0B	$2.2B
Provision for credit losses	$463.0M	$420.0M	$402.0M	$289.0M
Depreciation, amortization, and accretion	$762.0M	—	—	—
Share-based compensation expense	$113.0M	$106.0M	$97.0M	$105.0M
Deferred income tax benefit	($403.0M)	($26.0M)	($302.0M)	$319.0M
Net losses (gains) on sales of securities	$58.0M	—	—	—
Gain from early extinguishment of debt	($11.0M)	—	—	—
Trading account securities	($10.0M)	$72.0M	($106.0M)	$27.0M
Loans held for sale	($170.0M)	($227.0M)	($83.0M)	$675.0M
Other assets	($825.0M)	($761.0M)	($491.0M)	($1.2B)
Short-term borrowings	$117.0M	—	—	—
Other liabilities	$230.0M	($344.0M)	$341.0M	$1.0B
Other, net	$71.0M	($7.0M)	$30.0M	$11.0M
Net cash provided by operating activities	$2.5B	$1.8B	$2.7B	$4.0B
Change in interest-earning deposits with banks	$297.0M	($254.0M)	$23.0M	$332.0M
Maturities and calls of available-for-sale securities	$7.1B	$11.0B	$2.7B	$4.1B
Maturities and calls of held-to-maturity securities	$1.6B	$1.4B	$1.5B	$2.8B
Maturities and calls of other securities	$109.0M	$57.0M	$615.0M	$832.0M
Sales of available-for-sale securities	$1.7B	$990.0M	$767.0M	$0
Sales of other securities	$0	$0	$144.0M	—
Purchases of available-for-sale securities	($5.3B)	($14.0B)	($5.0B)	($7.1B)
Purchases of held-to-maturity securities	($515.0M)	($2.0B)	($256.0M)	($3.2B)
Purchases of other securities	($211.0M)	($155.0M)	($630.0M)	($1.1B)
Net proceeds from sales of loans and leases	$457.0M	$391.0M	$450.0M	$995.0M
Principal payments received under direct finance leases	$1.9B	$1.8B	$1.9B	$1.9B
Net loan and lease activity, excluding sales and purchases	($12.8B)	($10.0B)	($5.1B)	($10.2B)
Purchases of premises and equipment	($267.0M)	($143.0M)	($140.0M)	($214.0M)
Purchases of loans and leases	($981.0M)	($680.0M)	($71.0M)	($610.0M)
Net accrued income and other receivables activity	($332.0M)	($474.0M)	($17.0M)	($66.0M)
Net cash and cash equivalents received from business combinations	$864.0M	—	$0	($194.0M)
Other, net	$81.0M	$87.0M	$88.0M	$192.0M
Net cash used in investing activities	($6.3B)	($12.1B)	($3.0B)	($11.6B)
Increase in deposits	$3.6B	$11.2B	$3.3B	$4.7B
Increase (decrease) in short-term borrowings	$785.0M	($782.0M)	($1.3B)	$2.2B
Net proceeds from issuance of long-term debt	$2.5B	$7.7B	$15.0B	$11.0B
Repayment of long-term debt	($2.1B)	($3.6B)	($12.4B)	($8.0B)
Dividends paid on preferred stock	($108.0M)	($143.0M)	($134.0M)	($113.0M)
Dividends paid on common stock	($908.0M)	($903.0M)	($900.0M)	($897.0M)
Repurchase/redemption of preferred stock	$0	($410.0M)	($82.0M)	$0
Net proceeds from issuance of preferred stock	$741.0M	$0	$317.0M	$0
Other, net	($90.0M)	($56.0M)	($46.0M)	($25.0M)
Net cash provided by financing activities	$4.5B	$13.0B	$3.8B	$8.8B
Increase in cash and cash equivalents	$648.0M	$2.7B	$3.4B	$1.2B
Cash and cash equivalents at beginning of period	$12.8B	$10.1B	$6.7B	$5.5B
Cash and cash equivalents at end of period	$13.5B	$12.8B	$10.1B	$6.7B

HUNTINGTON BANCSHARES INC /MD/ cash flow statement, quarters

Line item	Jun 30, 2026 · YTD	Mar 31, 2026 · Q1	Sep 30, 2025 · YTD	Jun 30, 2025 · YTD
Net income	$1.3B	$527.0M	$1.7B	$1.1B
Provision for credit losses	$290.0M	$158.0M	$340.0M	$218.0M
Depreciation, amortization, and accretion	$383.0M	$191.0M	$572.0M	$397.0M
Share-based compensation expense	$95.0M	$45.0M	$84.0M	$53.0M
Deferred income tax benefit	($203.0M)	($83.0M)	($267.0M)	($173.0M)
Net gains on sales of securities	($15.0M)	($13.0M)	$58.0M	$58.0M
Trading account assets	($263.0M)	($136.0M)	($28.0M)	($428.0M)
Loans held for sale	$289.0M	$468.0M	($182.0M)	($226.0M)
Other assets	($1.1B)	($780.0M)	($427.0M)	($210.0M)
Short-term borrowings	$191.0M	$144.0M	$48.0M	$403.0M
Other liabilities	$847.0M	$47.0M	($264.0M)	($81.0M)
Other, net	($93.0M)	($44.0M)	($75.0M)	($17.0M)
Net cash provided by operating activities	$1.6B	$524.0M	$1.6B	$1.1B
Change in interest-earning deposits with banks	$50.0M	$149.0M	$285.0M	$185.0M
Maturities and calls of available-for-sale securities	$9.1B	$2.0B	$5.3B	$2.7B
Maturities and calls of held-to-maturity securities	$882.0M	$494.0M	$1.3B	$925.0M
Maturities and calls of other securities	$419.0M	$197.0M	$107.0M	$65.0M
Sales of available-for-sale securities	$4.5B	$4.5B	$860.0M	$850.0M
Sales of other securities	$17.0M	—	—	—
Purchases of available-for-sale securities	($13.9B)	($7.1B)	($4.1B)	($3.9B)
Purchases of held-to-maturity securities	$0	$0	($515.0M)	($515.0M)
Purchases of other securities	($553.0M)	($225.0M)	($159.0M)	($120.0M)
Net proceeds from sales of loans and leases	$335.0M	$133.0M	$376.0M	$161.0M
Principal payments received under direct finance leases	$972.0M	$428.0M	$1.4B	$740.0M
Net loan and lease activity, excluding sales and purchases	($4.8B)	($2.8B)	($9.5B)	($5.9B)
Purchases of premises and equipment	($220.0M)	($124.0M)	($149.0M)	($108.0M)
Purchases of loans and leases	($302.0M)	($164.0M)	($627.0M)	($317.0M)
Net accrued income and other receivables activity	($4.0M)	$676.0M	$472.0M	$532.0M
Net cash and cash equivalents received from business combinations	$1.7B	$1.7B	—	—
Other, net	$24.0M	($8.0M)	$51.0M	$31.0M
Net cash used in investing activities	($1.8B)	($135.0M)	($4.9B)	($4.6B)
Increase in deposits	$2.3B	$3.3B	$2.8B	$932.0M
Net change in short-term borrowings	$182.0M	($1.1B)	($126.0M)	($138.0M)
Net proceeds from issuance of long-term debt	$6.9B	$5.4B	$2.5B	$2.0B
Repayment of long-term debt	($6.2B)	($1.9B)	($1.8B)	($1.1B)
Dividends paid on preferred stock	($84.0M)	($43.0M)	($81.0M)	($54.0M)
Dividends paid on common stock	($564.0M)	($248.0M)	($680.0M)	($453.0M)
Repurchases of common stock	($309.0M)	($150.0M)	—	—
Other, net	($67.0M)	($58.0M)	($73.0M)	($62.0M)
Net cash provided by financing activities	$2.2B	$5.3B	$3.2B	$1.1B
Increase (decrease) in cash and cash equivalents	$2.1B	$5.7B	($109.0M)	($2.5B)
Cash and cash equivalents at beginning of period	$13.5B	$13.5B	$12.8B	$12.8B
Cash and cash equivalents at end of period	$15.6B	$19.2B	$12.7B	$10.4B
Interest paid	$2.5B	$1.2B	$3.3B	$2.1B
Income taxes paid	$95.0M	$30.0M	$220.0M	$159.0M

HUNTINGTON BANCSHARES INC /MD/ score and earnings-call analysis · All covered companies

Figures as reported in SEC filings. General information, not investment advice.