Huntington Bancshares (HBAN) Q4 Earnings Miss Expectations, Stock Drops 3%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy HBAN?
Source: seekingalpha
- Disappointing Performance: Huntington Bancshares reported an adjusted Q4 EPS of $0.37, missing the analyst estimate of $0.38, indicating challenges in integrating the Veritex acquisition.
- Weak Revenue Growth: The bank's Q4 total revenue was $2.19 billion, falling short of the $2.21 billion consensus, although it grew from $2.15 billion in the previous quarter, reflecting increased market competition.
- Net Interest Income Outlook: The bank expects net interest income to rise 10%-13% in 2026, reaching $6.66 billion to $6.84 billion, with the Cadence acquisition potentially boosting total guidance to $8.51 billion to $8.74 billion, indicating future growth potential.
- Rising Expense Pressure: Standalone core expenses are projected to increase by 10%-11% year-over-year, which could impact profitability, especially in the current economic climate.
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Analyst Views on HBAN
Wall Street analysts forecast HBAN stock price to rise
15 Analyst Rating
12 Buy
2 Hold
1 Sell
Moderate Buy
Current: 17.330
Low
16.00
Averages
20.23
High
23.00
Current: 17.330
Low
16.00
Averages
20.23
High
23.00
About HBAN
Huntington Bancshares Incorporated is an asset regional bank holding company. The Company, through its bank subsidiary, Huntington National Bank and its affiliates provide consumers, small and middle-market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. It operates more than 1,000 branches in 14 states, with certain businesses operating in extended geographies. Its Consumer & Regional Banking segment offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, and other financial products and services. Its Commercial Banking segment provides expertise through banks, capabilities, and digital channels, which include a comprehensive set of product offerings. Its target clients span from mid-market to large corporates across a national footprint.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Asset Growth: Post-merger, Huntington's total assets reach approximately $279 billion, with $221 billion in deposits and $187 billion in loans, providing robust support for its expansion into high-growth markets across the South and Texas.
- Branch Network Expansion: The addition of Cadence's 390 branches will expand Huntington's network to nearly 1,400 locations across 21 states, with plans to maintain Cadence's branches and invest in their growth, thereby enhancing customer service capabilities.
- New Board Members: Huntington's Board has appointed three new directors, all former Cadence Bank directors, whose extensive experience will provide crucial support for Huntington's strategic development, driving future growth and innovation.
See More
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- Merger Completion: Huntington Bancshares has officially completed its merger with Cadence Bank as of February 2, 2026, significantly enhancing its market share in Texas and Mississippi, making it the eighth-largest bank in Texas and the number one bank in Mississippi, which is expected to accelerate growth in southern markets.
- Asset Scale Expansion: Post-merger, Huntington's total assets reach $279 billion, with deposits totaling $221 billion and loans amounting to $187 billion, which will enhance its competitiveness nationwide and lay a solid foundation for future expansion.
- New Board Members: Huntington's Board of Directors has appointed three new members, including former Cadence Bank Chairman and CEO Dan Rollins, along with two other executives with extensive banking experience, which will bring fresh perspectives and strategic guidance to enhance corporate governance.
- Enhanced Customer Service: The merger will integrate Cadence's 390 branches with Huntington's network, creating nearly 1,400 locations, allowing Cadence customers to continue banking at existing branches, with account system conversions expected by mid-2026, thereby improving customer experience.
See More
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- Economic Environment Impact: The survey highlights significant impacts of the current economic environment on the global M&A market, with advisors' expectations on pricing trends and regional opportunities and risks providing crucial insights for future dealmaking.
- Sell-Side Considerations: The report also analyzes sell-side M&A considerations for middle market business owners seeking liquidity events, aiding them in understanding market dynamics.
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