Sees NII Plus Cadence Up $1.85B to $1.9B
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Sees NII plus Cadence up $1.85B-$1.9B. Sees standalone average loans 11%-12%, with loans plus Cadence up about $34B. Sees average deposits 8%-9% on a standalone basis, with deposits plus Cadence up about $43B. Sees standalone noninterest income 13%-16%, with noninterest income plus Cadence up $300M. Sees net charge-offs 25-35 bps and an effective tax rate of 19%-20%. Comments taken from investor presentation slides.
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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: 15.820
Low
16.00
Averages
20.23
High
23.00
Current: 15.820
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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- Investor Relations: The live audio webcast of the conference will be accessible through the investor relations section of Huntington's website, allowing investors to listen in real-time, with a replay available afterward for those unable to attend live.
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- Conference Participation: Huntington Bancshares will participate in the 2026 Sanford Bernstein Strategic Decisions Conference on May 28, 2026, where CEO Steve Steinour is scheduled to present at 4:30 PM ET, discussing business trends and financial performance, which will highlight the company's strategic direction.
- Investor Relations: The live audio webcast of the conference will be accessible through the investor relations section of Huntington's website, allowing investors to listen in real-time, with a replay available post-event, ensuring broad dissemination and transparency of information.
- Company Background: Huntington Bancshares is a regional bank holding company with $285 billion in assets, founded in 1866 and headquartered in Columbus, Ohio, providing a comprehensive suite of banking, payments, wealth management, and risk management services across over 1,400 branches in 21 states, showcasing significant market influence.
- Strategic Importance: By participating in such high-profile conferences, Huntington not only communicates directly with analysts and investors but also enhances its visibility and credibility in the financial market, thereby laying the groundwork for future business growth and market expansion.
See More
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- Conference Participation: Huntington Bancshares will participate in the 2026 Sanford Bernstein Strategic Decisions Conference on May 28, 2026, where CEO Steve Steinour is scheduled to present at 4:30 PM Eastern Time, discussing business trends and financial performance.
- Investor Relations: The live audio webcast of the conference will be accessible through the investor relations section of Huntington's website, allowing investors to listen in real-time, with a replay available afterward for those unable to attend live.
- Company Background: Huntington Bancshares is a regional bank holding company with $285 billion in assets, founded in 1866 and headquartered in Columbus, Ohio, providing a comprehensive suite of banking, payments, wealth management, and risk management services across over 1,400 branches in 21 states.
- Strategic Importance: This conference will offer insights into Huntington's future strategic direction, making it crucial for investors to understand its financial performance and market trends in the current economic environment, which will significantly impact investment decisions.
See More
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- Market Volatility Impact: The U.S. economy faced significant volatility in 2025, influenced by changing federal priorities and an evolving global trade environment, although the labor market showed unexpected resilience, presenting operational challenges and strategic opportunities for the industrial sector.
- M&A Activity Outlook: The U.S. GDP grew approximately 2.2% in 2025, supported by a rebound in consumer spending and manufacturing activity despite ongoing global trade frictions, with markedly improved financing conditions creating a favorable environment for strategic and financial buyers.
- Orders and Production Recovery: New orders in manufacturing rose 5.4% year-over-year in November 2025, while U.S. industrial production grew at an annual rate of 0.7%, indicating renewed momentum in capital-intensive sectors, despite price volatility pressures in commodity-linked industries.
- Price Index Changes: The Producer Price Index (PPI) increased by 3% in 2025, reflecting sustained pricing power alongside supply chain improvements that helped manufacturers stabilize margins, even as the unemployment rate slightly rose to 4.4%.
See More
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- M&A Activity Outlook: The report highlights that M&A activity in the industrial sector in 2025 was supported by moderating inflation and improved credit conditions, with manufacturers' new orders rising 5.4% year-over-year, indicating a rebound in capital-intensive industries.
- Price Pressure and Stability: Despite a 3% increase in the Producer Price Index (PPI) in 2025, supply chain improvements helped manufacturers stabilize margins, reflecting the industry's adaptability amid price volatility.
- Labor Market Dynamics: The unemployment rate ended 2025 at 4.4%, slightly higher than 4.1% in 2024, indicating a slowdown in hiring within cyclical sectors, yet the overall economy maintained a degree of growth momentum.
See More
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- Caterpillar Beats Expectations: Caterpillar exceeded market expectations in its first-quarter results, with shares surging nearly 10% on Thursday alone, and up over 55% year-to-date in 2026, showcasing its strong performance in the manufacturing equipment sector.
- Dollar Tree Price Correction: Although Dollar Tree's stock has dropped 23% this year, analysts anticipate a 30% rebound over the next 12 months, yet the majority maintain a hold rating, indicating a cautious outlook on its recovery.
See More
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- M&A Activity Rebound: Capstone Partners reports an 18.9% year-over-year decline in consumer M&A transactions in 2025, yet early signs of recovery in 2026 suggest the market is adapting to macroeconomic uncertainties, potentially driving a resurgence in deal activity.
- Increase in Large Deals: In 2025, transactions valued over $250 million accounted for 30.6% of all disclosed consumer M&A deals, indicating a significant shift that often precedes broader M&A activity, as historical trends show such deals lead to market rebounds.
- Defensive Investment Trends: Amid economic pressures, investors are gravitating towards defensive non-discretionary sectors, with notable M&A growth in discretionary sectors like Tactical Products and Outdoor Recreation, which saw year-over-year increases of 54.3% and 47.7%, reflecting renewed confidence in these markets.
- Accelerated Private Equity Exits: By the end of 2025, 39% of U.S. private equity firms had held investments for over four years, and if exits continue at the current pace, it could take over seven years to clear the backlog, prompting firms to expedite exits to meet limited partners' capital demands.
See More
