Revenue: As of FY2026 Q2, the actual value is USD 2.837 B.

EPS: As of FY2026 Q2, the actual value is USD 0.33.

EBIT: As of FY2026 Q2, the actual value is USD 896 M.

Net Income

Net income for the 2026 second quarter was $727 million, an increase of $204 million (39%) from the prior quarter and $191 million (36%) from the year-ago quarter, including $152 million of pre-tax Notable Items related to acquisition expenses. Adjusted net income (non-GAAP) for Q2 2026 was $843 million, compared to $739 million in Q1 2026 and $539 million in Q2 2025. Net income attributable to Huntington Bancshares was $727 million, a 36% increase from $536 million in the prior year quarter.

Net Interest Income

Net interest income (GAAP) for the 2026 second quarter was $2,052 million, increasing 9% from the prior quarter ($1,891 million) and 40% from the year-ago quarter ($1,467 million). Fully-taxable equivalent (FTE) net interest income was $2,072 million, an 8% increase from the prior quarter ($1,910 million) and a 40% increase from the year-ago quarter ($1,483 million). For the six months ended June 30, 2026, Net interest income - FTE was $3,982 million, a 36% increase from $2,924 million in the prior year period.

Noninterest Income

Noninterest income increased $103 million (15%) from the prior quarter to $785 million, and $314 million (67%) from the year-ago quarter. Key drivers for the year-over-year increase included Capital markets and advisory fees which increased $56 million (67%), payments and cash management revenue which increased $39 million (24%), customer deposit and loan fees which increased $33 million (35%), wealth and asset management revenue which increased $32 million (31%), and mortgage banking income which increased $25 million (89%). Other noninterest income increased $48 million, and the 2025 second quarter included a -$58 million loss from the sale of certain investment securities. For the three months ended June 30, 2026, payments and cash management revenue was $204 million, wealth and asset management revenue was $134 million, customer deposit and loan fees were $128 million, capital markets and advisory fees were $140 million, and mortgage banking income was $53 million.

Noninterest Expense

Reported total noninterest expense for the 2026 second quarter was $1,809 million, an increase of $35 million (2%) from the prior quarter ($1,774 million) and $612 million (51%) from the year-ago quarter ($1,197 million). This includes $152 million of acquisition-related expenses in Q2 2026 and $263 million in Q1 2026. Adjusted total noninterest expense (non-GAAP) was $1,657 million, an increase of $146 million (10%) from the prior quarter ($1,511 million) and $463 million (39%) from the year-ago quarter ($1,194 million). Personnel costs, outside data processing and other services, and amortization of intangibles were significant contributors to the increases. For Q2 2026, personnel costs were $1,010 million, outside data processing and other services were $326 million, and amortization of intangibles was $54 million.

Efficiency Ratio

The efficiency ratio for Q2 2026 was 61.5%, an improvement from 67.2% in Q1 2026 but higher than 59.0% in Q2 2025.

Credit Quality

Nonperforming assets (NPAs) totaled $1,612 million (0.85% of total loans and leases, OREO, and other NPAs) at June 30, 2026, up from $852 million (0.63%) a year ago and $1,357 million (0.72%) in the prior quarter. Nonaccrual loans and leases (NALs) were $1,589 million (0.84% of total loans and leases), compared to $842 million (0.62%) a year ago and $1,332 million (0.71%) in the prior quarter. The provision for credit losses was $132 million in Q2 2026, an increase of $29 million year-over-year and a decrease of $26 million quarter-over-quarter. Net charge-offs (NCOs) were $119 million (0.25% of average total loans and leases), increasing $53 million year-over-year and $8 million quarter-over-quarter. The Allowance for Credit Losses (ACL) was $3,381 million (1.78% of total loans and leases), an increase of $866 million from the year-ago quarter. The total nonaccrual loans and leases were $1,589 million, and total nonperforming assets were $1,612 million at June 30, 2026.

Average Earning Assets

Average earning assets for Q2 2026 were $258.6 billion, an increase of $19.6 billion (8%) from the prior quarter ($239.0 billion) and $67.5 billion (35%) from the year-ago quarter ($191.1 billion). This growth was largely due to the Cadence and Veritex acquisitions and organic growth.

Average Loans and Leases

Average total loans and leases reached $189.3 billion, an increase of $15.0 billion (9%) from the prior quarter and $56.1 billion (42%) from the year-ago quarter, inclusive of the Cadence and Veritex acquisitions. Average commercial loans grew $11.6 billion (11%) from the prior quarter and $44.4 billion (59%) from the year-ago quarter, while average consumer loans grew $3.4 billion (5%) from the prior quarter and $11.7 billion (20%) from the year-ago quarter. Ending balances at June 30, 2026, showed Consumer & Regional Banking loans at $103,317 million (55% of total) and Commercial Banking loans at $86,089 million (45% of total).

Average Deposits

Average total deposits increased $18.8 billion (9%) from the prior quarter to $223.4 billion and $60.0 billion (37%) from the year-ago quarter, inclusive of the Cadence and Veritex acquisitions. Demand deposits (noninterest-bearing) were $40.0 billion, up 13% from the prior quarter and 37% from the year-ago quarter, and demand deposits (interest-bearing) were $62.4 billion, up 18% from the prior quarter and 40% from the year-ago quarter. Time deposits saw a significant increase of 101% year-over-year to $26.8 billion. Ending balances at June 30, 2026, showed Consumer & Regional Banking deposits at $150,687 million (68% of total) and Commercial Banking deposits at $62,713 million (28% of total).

Capital Ratios

The Common Equity Tier 1 (CET1) risk-based capital ratio was 10.0% at June 30, 2026, compared to 10.2% at the prior quarter end. The tangible common equity (TCE) ratio was 7.1%, up slightly from the prior quarter end (7.0%) and up from 6.6% a year ago. Tangible book value per share was $9.65, up $0.10 (1%) from the prior quarter and $0.52 (6%) from a year ago. Huntington Bancshares Incorporated repurchased $159 million of common shares in Q2 2026 and $309 million year-to-date.

Cash Flow

The provided financial supplement does not include a cash flow statement, therefore operating cash flow and free cash flow data cannot be extracted.

Operational Metrics

At June 30, 2026, Huntington Bancshares Incorporated had an average of 26,407 full-time equivalent employees, 1,407 domestic full-service branches, and 2,016 ATMs.

Outlook / Guidance

Huntington Bancshares Incorporated expresses confidence in its outlook, supported by strong business momentum and its differentiated super-regional model. The company anticipates realizing full economic benefits from its combined entity, with clear visibility on cost synergies and active pursuit of revenue synergies. By the fourth quarter, the full earnings power of these partnerships is expected to be evident, positioning the company to achieve financial targets including sustained growth of earnings and tangible book value, and attractive shareholder returns.