EPS: As of FY2025 Q2, the actual value is USD 0.34.

Segment Revenue

• Net Interest Income: Increased by $41 million, or 3%, from the prior quarter, and $155 million, or 12%, from the year-ago quarter, totaling $1,483 million for the three months ended June 30, 2025.
• Noninterest Income: Decreased by $23 million, or 5%, from the prior quarter, to $471 million, and decreased $20 million, or 4%, from the year-ago quarter.

Operational Metrics

• Net Income: $536 million, an increase of $9 million, or 2%, from the prior quarter, and an increase of $62 million, or 13%, from the year-ago quarter.
• Operating Costs: Total noninterest expense was $1,197 million, an increase of $45 million, or 4%, from the prior quarter, and $80 million, or 7%, from the year-ago quarter.
• Provision for Credit Losses: $103 million, a decrease of 10% from the previous quarter and an increase of 3% from the same quarter in 2024.

Unique Metrics

• Average Total Loans and Leases: Increased $2.3 billion, or 2%, from the prior quarter to $133.2 billion, and increased $9.8 billion, or 8%, from the year-ago quarter.
• Average Total Deposits: Increased $1.8 billion, or 1%, from the prior quarter and $9.9 billion, or 6%, from the year-ago quarter.
• Net Charge-Offs: $66 million for the three months ended June 30, 2025, compared to $86 million in the previous quarter and $90 million in the same quarter in 2024.
• Nonaccrual Loans and Leases: $842 million at June 30, 2025, compared to $748 million at March 31, 2025, and $733 million at June 30, 2024.

Outlook / Guidance

• Huntington Bancshares Incorporated announced a combination with Veritex Holdings, Inc., expected to accelerate organic growth initiatives in the Texas market.
• The company remains confident in its ability to execute its strategy and sustain strong growth, while maintaining a disciplined approach to risk management.
• The company expects continued growth in net interest income driven by higher interest rates and increased loan balances, focusing on managing noninterest expenses and maintaining credit quality.