Huntington Bancshares reported solid fourth-quarter results, capping off a strong 2025 with accelerating organic growth and an expanded net interest margin. The company highlighted successful strategic partnerships and excellent credit performance, positioning it for continued peer-leading performance.
Net interest income increased $86 million, or 6%, from the prior quarter, and $197 million, or 14%, from the year-ago quarter.
positiveAverage total loans and leases increased $10.7 billion, or 8%, from the prior quarter and $18.4 billion, or 14%, from the year-ago quarter, inclusive of the Veritex acquisition.
positiveAverage total deposits increased $8.3 billion, or 5%, from the prior quarter and $13.8 billion, or 9%, from the year-ago quarter, inclusive of the Veritex acquisition.
positiveTangible book value per share of $9.89, up $0.35, or 4%, from the prior quarter and up $1.56, or 19%, from a year ago.
positiveDiluted earnings per common share (EPS) for the quarter was $0.30, lower by $0.11 from the prior quarter, and $0.04 lower than the year-ago quarter.
negativeNoninterest income decreased $46 million, or 7%, from the prior quarter.
attentionCommon Equity Tier 1 (CET1) risk-based capital ratio was 10.4%, compared to 10.6% in the prior quarter.
attentionMargin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.
Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.
Huntington delivered a strong fourth quarter, capping off an outstanding 2025, powered by focused execution and broad‑based organic growth.
We advanced our strategy by expanding national commercial verticals, strengthening payments, wealth, and capital markets capabilities, growing our consumer and regional banking businesses, and accelerating our Carolinas buildout.
Our credit quality remains outstanding, consistent with our aggregate moderate-to-low risk profile.
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Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.