Revenue: As of FY2025 Q3, the actual value is USD 2.151 B.

EPS: As of FY2025 Q3, the actual value is USD 0.41.

EBIT: As of FY2025 Q3, the actual value is USD 1.849 B.

Segment Revenue

• Net Interest Income: Increased by $39 million, or 3%, from the prior quarter, and $155 million, or 11%, from the year-ago quarter.
• Noninterest Income: Increased by $157 million, or 33%, from the prior quarter, to $628 million. From the year-ago quarter, noninterest income increased by $105 million, or 20%.
• Net Interest Income: $1,523 million for the three months ended September 30, 2025, an increase of 3% from the previous quarter and 12% from the same quarter last year.
• Noninterest Income: $628 million for the three months ended September 30, 2025, a 33% increase from the previous quarter and a 20% increase from the same quarter last year.

Operational Metrics

• Net Income: Reported net income for the third quarter of 2025 was $629 million, an increase of $93 million, or 17%, from the prior quarter, and an increase of $112 million, or 22%, from the year-ago quarter.
• Net Income: $629 million for the three months ended September 30, 2025, a 17% increase from the previous quarter and a 22% increase from the same quarter last year.
• Operating Profit: Income before income taxes was $766 million, a 20% increase from both the previous quarter and the same quarter last year.
• Operating Margin: The efficiency ratio was 57.4% for the three months ended September 30, 2025, compared to 59.0% in the previous quarter and 59.4% in the same quarter last year.
• Operating Costs: Total noninterest expense for the third quarter of 2025 was $1,246 million, an increase of $49 million, or 4%, from the prior quarter, and an increase of $116 million, or 10%, from the year-ago quarter.

Cash Flow

• Operating Cash Flow: Not explicitly stated in the reference.
• Free Cash Flow: Not explicitly stated in the reference.

Unique Metrics

• Average Total Loans and Leases: Increased by $2.8 billion, or 2%, from the prior quarter to $135.9 billion, and increased by $11.4 billion, or 9%, from the year-ago quarter.
• Average Total Deposits: Increased by $1.4 billion, or 1%, from the prior quarter and $8.3 billion, or 5%, from the year-ago quarter.
• Average Total Assets: $209,727 million for the three months ended September 30, 2025, a 1% increase from the previous quarter and a 6% increase from the same quarter last year.
• Average Loans and Leases: $135,944 million for the three months ended September 30, 2025, a 2% increase from the previous quarter and a 9% increase from the same quarter last year.

Outlook / Guidance

• Huntington Bancshares Incorporated anticipates continued growth driven by its differentiated operating model and strategic investments. The company is focused on expanding its customer base and deepening relationships, with a strong emphasis on organic growth across core and new markets. The upcoming combination with Veritex Holdings, Inc. is expected to provide a robust platform for long-term growth in Texas, enhancing value for clients and communities.
• Huntington Bancshares Incorporated issued a caution regarding forward-looking statements, highlighting that these statements are subject to numerous assumptions, risks, and uncertainties beyond the control of Huntington and Veritex. They emphasized that forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties, and assumptions that are difficult to assess and subject to change.