Huntington Bancshares Incorporated Reports 2025 Second-Quarter Earnings
Huntington Bancshares (NASDAQ: HBAN) reported strong Q2 2025 results with net income of $536 million, or $0.34 EPS, up 13% year-over-year. The quarter featured robust growth in key metrics, with net interest income increasing 12% YoY to $155 million.
The bank demonstrated solid loan and deposit growth, with average total loans increasing 8% YoY to $133.2 billion and average deposits growing 6% YoY to $9.9 billion. Credit quality remained strong with net charge-offs at 0.20%. The bank maintained a healthy CET1 ratio of 10.5% and improved its tangible book value per share by 16% YoY to $9.13.
Notably, Huntington announced a strategic combination with Veritex Holdings to accelerate growth in the Texas market.
Huntington Bancshares (NASDAQ: HBAN) ha riportato solidi risultati nel secondo trimestre del 2025, con un utile netto di 536 milioni di dollari, pari a 0,34 dollari per azione, in aumento del 13% rispetto all'anno precedente. Il trimestre ha mostrato una forte crescita nei principali indicatori, con un incremento del 12% su base annua del reddito da interessi netto, che ha raggiunto i 155 milioni di dollari.
La banca ha evidenziato una solida crescita di prestiti e depositi, con un aumento medio dei prestiti totali dell'8% su base annua, arrivati a 133,2 miliardi di dollari e un incremento medio dei depositi del 6% su base annua, pari a 9,9 miliardi di dollari. La qualità del credito è rimasta solida, con perdite nette su crediti pari allo 0,20%. La banca ha mantenuto un sano rapporto CET1 del 10,5% e ha migliorato il valore contabile tangibile per azione del 16% su base annua, raggiungendo 9,13 dollari.
Inoltre, Huntington ha annunciato una combinazione strategica con Veritex Holdings per accelerare la crescita nel mercato texano.
Huntington Bancshares (NASDAQ: HBAN) reportó sólidos resultados en el segundo trimestre de 2025 con un ingreso neto de 536 millones de dólares, o 0,34 dólares por acción, un aumento del 13% interanual. El trimestre mostró un crecimiento robusto en métricas clave, con un incremento del 12% interanual en los ingresos netos por intereses hasta 155 millones de dólares.
El banco mostró un crecimiento sólido en préstamos y depósitos, con un aumento promedio de préstamos totales del 8% interanual hasta 133,2 mil millones de dólares y un crecimiento promedio de depósitos del 6% interanual hasta 9,9 mil millones de dólares. La calidad crediticia se mantuvo fuerte con pérdidas netas por préstamos en 0,20%. El banco mantuvo un saludable índice CET1 del 10,5% y mejoró su valor tangible contable por acción en un 16% interanual, alcanzando 9,13 dólares.
Notablemente, Huntington anunció una combinación estratégica con Veritex Holdings para acelerar el crecimiento en el mercado de Texas.
헌팅턴 뱅크셰어스 (NASDAQ: HBAN)는 2025년 2분기에 순이익 5억 3,600만 달러, 주당순이익 0.34달러로 전년 대비 13% 증가한 강력한 실적을 발표했습니다. 이번 분기에는 주요 지표가 견고하게 성장했으며, 순이자수익이 전년 대비 12% 증가하여 1억 5,500만 달러에 달했습니다.
은행은 대출과 예금 모두 견고한 성장을 보였으며, 평균 총 대출금이 전년 대비 8% 증가한 1,332억 달러, 평균 예금은 6% 증가한 99억 달러를 기록했습니다. 신용 품질도 견고하여 순대손실률은 0.20%였습니다. 은행은 건강한 CET1 비율 10.5%를 유지했으며, 주당 유형자산가치를 전년 대비 16% 향상시켜 9.13달러를 기록했습니다.
특히, 헌팅턴은 텍사스 시장에서의 성장을 가속화하기 위해 베리텍스 홀딩스와 전략적 합병을 발표했습니다.
Huntington Bancshares (NASDAQ : HBAN) a publié de solides résultats pour le deuxième trimestre 2025 avec un bénéfice net de 536 millions de dollars, soit un bénéfice par action de 0,34 dollar, en hausse de 13 % sur un an. Le trimestre a été marqué par une forte croissance des indicateurs clés, avec un revenu net d’intérêts en hausse de 12 % en glissement annuel à 155 millions de dollars.
La banque a montré une solide croissance des prêts et des dépôts, avec une augmentation moyenne des prêts totaux de 8 % en glissement annuel à 133,2 milliards de dollars et une croissance moyenne des dépôts de 6 % en glissement annuel à 9,9 milliards de dollars. La qualité du crédit est restée solide avec un taux de pertes nettes de 0,20 %. La banque a maintenu un ratio CET1 sain de 10,5 % et a amélioré sa valeur comptable tangible par action de 16 % en glissement annuel, atteignant 9,13 dollars.
Notamment, Huntington a annoncé une fusion stratégique avec Veritex Holdings pour accélérer sa croissance sur le marché texan.
Huntington Bancshares (NASDAQ: HBAN) meldete starke Ergebnisse für das zweite Quartal 2025 mit einem Nettogewinn von 536 Millionen US-Dollar bzw. 0,34 US-Dollar Gewinn je Aktie, was einem Anstieg von 13 % im Jahresvergleich entspricht. Das Quartal zeichnete sich durch robustes Wachstum in wichtigen Kennzahlen aus, wobei der Nettozinsertrag um 12 % gegenüber dem Vorjahr auf 155 Millionen US-Dollar zunahm.
Die Bank verzeichnete solides Wachstum bei Krediten und Einlagen, mit einem durchschnittlichen Gesamtvolumen der Kredite, das um 8 % auf 133,2 Milliarden US-Dollar stieg, und durchschnittlichen Einlagen, die um 6 % auf 9,9 Milliarden US-Dollar wuchsen. Die Kreditqualität blieb stark mit Nettoabschreibungen von 0,20 %. Die Bank hielt eine gesunde CET1-Quote von 10,5 % und verbesserte den materiellen Buchwert je Aktie um 16 % auf 9,13 US-Dollar.
Bemerkenswert ist, dass Huntington eine strategische Kombination mit Veritex Holdings ankündigte, um das Wachstum im texanischen Markt zu beschleunigen.
- Net income increased 13% year-over-year to $536 million
- Strong loan growth with average total loans up 8% YoY to $133.2 billion
- Healthy deposit growth of 6% YoY, reaching $9.9 billion
- Net interest income grew 12% year-over-year
- Improved credit quality with net charge-offs decreasing to 0.20%
- Tangible book value per share increased 16% YoY to $9.13
- Strategic expansion in Texas market through Veritex Holdings combination
- Noninterest income decreased 5% quarter-over-quarter to $471 million
- Securities repositioning resulted in $58 million decrease in pre-tax earnings
- CET1 ratio declined slightly to 10.5% from 10.6% in prior quarter
- Nonperforming asset ratio increased 2 basis points from prior quarter
Insights
Huntington delivered solid Q2 results with growing loans/deposits, improved NII, and strategic fee income growth despite securities repositioning impact.
Huntington Bancshares reported
The bank's fundamental growth engines are firing on all cylinders. Net interest income increased
Deposit growth remained strong at
Credit quality metrics show resilience in a challenging economic environment. Net charge-offs improved to
Capital levels remain solid with a CET1 ratio of
The key standout is Huntington's ability to grow both interest and non-interest income. Excluding one-time items, fee income grew
The Veritex acquisition represents a strategic move to accelerate growth in the attractive Texas market, potentially opening new revenue streams and geographic diversification benefits.
Q2 Results Highlighted by Growth in Key Strategic Fee Revenues and Net Interest Income, Driven by Strong Loan Growth and Expanded Net Interest Margin
2025 Second-Quarter Highlights:
- Earnings per common share (EPS) for the quarter was
$0.34 $0.04 - The quarter included
$0.04 $58 million $3 million
- The quarter included
- Net interest income increased
$41 million 3% , from the prior quarter, and$155 million 12% , from the year-ago quarter. - Noninterest income decreased
$23 million 5% , from the prior quarter, to$471 million $20 million 4% . Excluding the loss on the repositioning of securities and impact of credit risk transfer transactions, noninterest income increased$37 million 7% , from the prior quarter and$34 million 7% , from the year-ago quarter. - Average total loans and leases increased
$2.3 billion 2% , from the prior quarter to$133.2 billion $9.8 billion 8% , from the year-ago quarter.- Average commercial loans grew
$1.6 billion 2% , from the prior quarter and$6.7 billion 10% , from the year-ago quarter. - Average consumer loans grew
$725 million 1% , from the prior quarter and$3.1 billion 6% , from the year-ago quarter.
- Average commercial loans grew
- Average total deposits increased
$1.8 billion 1% , from the prior quarter and$9.9 billion 6% , from the year-ago quarter. - Net charge-offs of
0.20% of average total loans and leases for the quarter, 6 basis points lower than the prior quarter. - Nonperforming asset ratio of
0.63% at quarter end, 2 basis points higher than the prior quarter. - Allowance for credit losses (ACL) of
$2.5 billion 1.86% of total loans and leases, at quarter end, an increase of$37 million - Common Equity Tier 1 (CET1) risk-based capital ratio was
10.5% , at June 30, 2025, compared to10.6% in the prior quarter. Adjusted Common Equity Tier 1, including the impact of AOCI excluding cash flow hedges, was9.0% , up from8.9% in the prior quarter. - Tangible common equity (TCE) ratio of
6.6% , up from6.3% in the prior quarter and6.0% from a year ago. - Tangible book value per share of
$9.13 $0.33 4% , from the prior quarter and up$1.24 16% , from a year ago. - Announced combination with Veritex Holdings, Inc., which will accelerate
Huntington's organic growth initiatives in the dynamicTexas market.
Return on average assets was
CEO Commentary:
"Our second quarter results reflect the ongoing successful execution of our organic growth strategy." said Steve Steinour, chairman, president, and CEO. "We are acquiring new customers, deepening relationships, and expanding both net interest income and fee-based revenue through the strength of our product suite and capabilities."
"Our sustained growth reflects focused execution across both our core businesses and new growth initiatives. We are leveraging our scale as we further expand our well-diversified loan portfolio and continue to deepen client relationships. We have seen both loans and deposits growth of approximately
"Credit continues to perform well, demonstrated by improved net-charge offs and stable levels of criticized and non-performing assets. This is evidence of our disciplined credit risk management and client selection."
"We remain confident in our ability to execute our strategy and sustain strong growth, while maintaining our disciplined approach to risk management. We have never been better positioned."
Conference Call / Webcast Information
Please see the 2025 Second Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found on the Investor Relations section of
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SOURCE Huntington Bancshares Incorporated
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