Huntington Bancshares
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Huntington Bancshares (HBAN) investor relations material

Huntington Bancshares UBS Financial Services Conference 2026 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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UBS Financial Services Conference 2026 summary10 Feb, 2026

Strategic vision and business model

  • Entered 2026 with strong momentum, robust revenue and earnings growth, and a scalable super-regional bank model focused on local expertise in 21 markets and national specialty businesses.

  • Recent partnerships, notably with Cadence and Veritex, expand reach, especially in Texas and other fast-growing southern states, enhancing scale and density.

  • Unique delivery model combines in-market bankers, award-winning service, and digital capabilities, driving deep customer relationships and long-term growth.

  • 2025 saw 11% revenue growth, 16% EPS growth, 16% return on capital, and 19% growth in tangible book value per share.

Integration and synergy realization

  • Seamless integration of Veritex completed in 187 days, with cost synergies on track for full run rate by Q2 2026; revenue synergies already emerging.

  • Cadence merger closed, integration progressing rapidly, with cost synergy realization underway and talent integration prioritized.

  • Combined Texas presence is a strategic advantage, with 23% year-over-year growth in Texas for Huntington and 17% for Cadence in Q4 2025.

  • Partnerships expected to deliver $435 million in annual cost synergies at full run rate, with $340 million benefiting 2026 and nearly $100 million more in 2027.

Financial outlook and growth drivers

  • 2027 revenue projected at $12.6 billion, with EPS guidance of $1.90–$1.93, reflecting lower PAA accretion but strong core business performance and share repurchases.

  • Revenue synergies from Cadence and Veritex expected to reach $500 million over three years, with a $300 million run rate in 2028.

  • Net interest income and fee revenue both forecast double-digit growth, with significant contributions from new markets and Janney Capital.

  • Share repurchases of $200 million planned for 2026, with 2–3% share count reduction expected by 2027.

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Next Huntington Bancshares earnings date

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Q1 202623 Apr, 2026
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Q1 202623 Apr, 2026

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Frequently asked questions

Ohio-Based Regional Bank

Huntington Bancshares Inc. is an American regional bank holding company. It primarily operates through its subsidiary, The Huntington National Bank, a regional bank with over 1000 locations spread across the midwest. The bank's services cater to a wide range of clients, from individuals and small businesses to corporations and other financial institutions. Huntington's offerings encompass traditional banking products like checking and savings accounts, as well as more specialized services such as wealth management, treasury management, and capital market services. It is headquartered in Columbus, Ohio, and its shares are listed on the Nasdaq.

Founded in the 1800s

In 1886 P.W. Huntington founded The Huntington National Bank in Columbus, Ohio. The bank was initially a small, local entity, focusing on serving the financial needs of the community. The company has grown from a small, local bank to a strong regional presence both organically as well as through numerous strategic acquisitions over the years. Today, the company is present in several different states across the Midwest and maintains a strong presence in its home state. Some other banks with a similar regional focus are Comerica, M&T Bank, and Fifth Third.

The Banking Services

The company offers a diverse array of banking operations primarily focused on personal, small business, and commercial banking services. In personal banking, Huntington provides a variety of essential services, including checking and savings accounts, personal loans, and mortgage services.

Small business banking is another important aspect of Huntington's operations. The bank supports small businesses with a range of products such as business checking and savings accounts, business credit cards, and lending services including lines of credit and term loans.

For commercial clients, Huntington's banking services are more extensive, encompassing commercial loans and financing options, treasury management, and other specialized financial services. These services are designed to support the complex needs of businesses, providing solutions for managing cash flow, financing growth, and optimizing financial operations.

Wealth Management Services

Huntington Bancshares Incorporated provides an array of wealth management services tailored to meet the needs of individuals, families, and institutions. Central to these services is private banking, offering high-net-worth clients personalized banking solutions, including specialized accounts and custom credit options. Huntington also offers diverse investment vehicles like stocks, bonds, and mutual funds, as well as retirement planning services.

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