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Huntington Bancsharesorporated Earnings Calls

Q1 2025 Beat
$0.340 (9.68%)
Release date Apr 17, 2025
EPS estimate $0.310
EPS actual $0.340
EPS Surprise 9.68%
Revenue estimate 1.977B
Revenue actual 1.92B
Revenue Surprise -2.88%
Q4 2024 Beat
$0.340 (13.33%)
Release date Jan 17, 2025
EPS estimate $0.300
EPS actual $0.340
EPS Surprise 13.33%
Revenue estimate 1.895B
Revenue actual 1.954B
Revenue Surprise 3.11%
Q3 2024 Beat
$0.330 (10.00%)
Release date Oct 17, 2024
EPS estimate $0.300
EPS actual $0.330
EPS Surprise 10.00%
Revenue estimate 1.857B
Revenue actual 1.874B
Revenue Surprise 0.94%
Q2 2024 Beat
$0.300 (7.14%)
Release date Jul 19, 2024
EPS estimate $0.280
EPS actual $0.300
EPS Surprise 7.14%
Revenue estimate 1.808B
Revenue actual 1.803B
Revenue Surprise -0.296%

Last 4 Quarters for Huntington Bancsharesorporated

Below you can see how HBAN performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.

Q2 2024 Beat
Release date Jul 19, 2024
Fiscal end date Jun 30, 2024
Price on release $14.86
EPS estimate $0.280
EPS actual $0.300
EPS surprise 7.14%
Date Price
Jul 15, 2024 $13.73
Jul 16, 2024 $14.27
Jul 17, 2024 $14.44
Jul 18, 2024 $14.30
Jul 19, 2024 $14.86
Jul 22, 2024 $15.01
Jul 23, 2024 $15.07
Jul 24, 2024 $14.92
Jul 25, 2024 $15.06
4 days before 8.23%
4 days after 1.35%
On release day 1.01%
Change in period 9.69%
Q3 2024 Beat
Release date Oct 17, 2024
Fiscal end date Sep 30, 2024
Price on release $15.43
EPS estimate $0.300
EPS actual $0.330
EPS surprise 10.00%
Date Price
Oct 11, 2024 $15.39
Oct 14, 2024 $15.52
Oct 15, 2024 $15.59
Oct 16, 2024 $15.84
Oct 17, 2024 $15.43
Oct 18, 2024 $15.36
Oct 21, 2024 $15.27
Oct 22, 2024 $15.54
Oct 23, 2024 $15.54
4 days before 0.260%
4 days after 0.713%
On release day -0.454%
Change in period 0.97%
Q4 2024 Beat
Release date Jan 17, 2025
Fiscal end date Dec 31, 2024
Price on release $17.01
EPS estimate $0.300
EPS actual $0.340
EPS surprise 13.33%
Date Price
Jan 13, 2025 $16.22
Jan 14, 2025 $16.59
Jan 15, 2025 $17.04
Jan 16, 2025 $16.84
Jan 17, 2025 $17.01
Jan 21, 2025 $17.10
Jan 22, 2025 $16.86
Jan 23, 2025 $16.90
Jan 24, 2025 $17.20
4 days before 4.87%
4 days after 1.12%
On release day 0.529%
Change in period 6.04%
Q1 2025 Beat
Release date Apr 17, 2025
Fiscal end date Mar 31, 2025
Price on release $13.68
EPS estimate $0.310
EPS actual $0.340
EPS surprise 9.68%
Date Price
Apr 11, 2025 $12.89
Apr 14, 2025 $13.15
Apr 15, 2025 $13.40
Apr 16, 2025 $13.27
Apr 17, 2025 $13.68
Apr 21, 2025 $13.47
Apr 22, 2025 $13.93
Apr 23, 2025 $14.18
Apr 24, 2025 $14.55
4 days before 6.09%
4 days after 6.40%
On release day -1.50%
Change in period 12.88%

Huntington Bancsharesorporated Earnings Call Transcript Summary of Q1 2025

Huntington Bancshares Incorporated Q1 2025 Earnings Call Summary for Investors

Key Highlights:

  • Strong Financial Performance:
    • Earnings per share (EPS) reported at $0.34.
    • Return on Tangible Common Equity (ROTCE) at 16.7%.
    • Pre-Provision Net Revenue (PPNR) increased by 24% year-over-year, reaching $783 million.
  • Loan and Deposit Growth:
    • Average loans grew nearly $9 billion year-over-year.
    • Average deposits increased by approximately $11 billion over the same period.
    • Primary bank relationships grew by 3% in consumer banking and 4% in business banking.
  • Revenue Growth:
    • Revenue increased by 10% year-over-year, supported by loan growth, expanded net interest margin, and fee revenue increases (6% year-over-year).
    • Payments, wealth management, and capital markets were significant contributors to non-interest income growth.
  • Credit Quality and Risk Management:
    • Net charge-offs remained low at 26 basis points, with a robust allowance for credit losses of 1.87%.
    • Strong credit performance and proactive loan portfolio management were emphasized.
  • Capital Management:
    • Adjusted CET1 (Common Equity Tier 1) ratio increased to 8.9%.
    • Board approved a $1 billion multiyear share repurchase authorization, signaling commitment to return capital to shareholders.
  • Strategic Outlook:
    • Guidance for loan growth retained in the range of 5% to 7% for 2025.
    • Deposit growth expected between 3% to 5%.
    • Increasing full-year net interest income guidance to 5% to 7%.
    • Commitment to ongoing investments in core banking initiatives and branch expansions, particularly in the Carolinas.
  • Economic Environment Consideration:
    • Management noted current economic volatility and potential headwinds but expressed confidence in the bank's resilience and strategic positioning.
  • Leadership Transition:
    • Tim Sedabres, Director of Investor Relations, will transition to a new role within the finance organization, with a new head of investor relations to be appointed soon.

Strategic Notes for Investors:

  • Continued focus on risk management and credit quality, especially in light of potential economic fluctuations.
  • Investment in key growth areas, including new verticals and geographic markets, particularly in the Carolinas and Texas.
  • The bank's proactive approach during periods of industry uncertainty positions it favorably for continued growth and resilience.

Investors should monitor the effectiveness of Huntington’s deployment of capital, particularly concerning the recently approved share repurchase program, as well as the continuation of robust loan and deposit growth in an uncertain economic backdrop.

Huntington Bancsharesorporated Earnings History

Earnings Calendar

FAQ

When is the earnings report for HBAN?
Huntington Bancshares Incorporated (HBAN) has scheduled its earnings report for Jul 18, 2025 before the markets open.

What is the HBAN price-to-earnings (P/E) ratio?
HBAN P/E ratio as of May 23, 2025 (TTM) is 10.88.

What is the HBAN EPS forecast?
The forecasted EPS (Earnings Per Share) for Huntington Bancshares Incorporated (HBAN) for the first fiscal quarter 2025 is $0.350.

What are Huntington Bancshares Incorporated's retained earnings?
On its balance sheet, Huntington Bancshares Incorporated reported retained earnings of $1.92 billion for the latest quarter ending Mar 31, 2025.

What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.

Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.

What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
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ABOUT HUNTINGTON BANCSHARES INCORPORATED
Huntington Bancsharesorporated
Huntington Bancshares Incorporated operates as the bank holding company for The Huntington National Bank that provides commercial, consumer, and mortgage banking services in the United States. The company operates through four segments: Consumer and Business Banking; Commercial Banking; Vehicle Finance; and Regional Banking and The Huntington Private Client Group (RBHPCG). The Consumer and Business Banking segment offers financial products and se...
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