Huntington Bancshares Incorporated (HBAN) Earnings Call Transcripts

Huntington Bancshares Incorporated's Latest Earnings Call - Q2 FY2026

In the second quarter of 2026, Huntington Bancshares reported strong organic growth, with net interest income (NII) increasing by 8.5% sequentially to $2.1 billion. However, management signaled a cautious outlook for NII, stating it may be at the low end or slightly below previous guidance due to competitive pressures on deposit costs. The company remains on track to achieve its 2027 ROTCE target of 18% to 19% and expects continued growth in loans and deposits, with EPS guidance for 2027 set at $1.90 to $1.93.

Reported metrics

Guidance from management

Management maintained their guidance for 2027 EPS at $1.90 to $1.93, but indicated that NII may be at the low end or below previous expectations due to competitive pressures on deposit costs. They remain confident in achieving their ROTCE target of 18% to 19%.

What management said

Erika, this is Steve. I'll just come on top of the responses from Zach and Brant for a minute, we've got a possible or more likely rising rate environment. We chose to front-end load a bit, and we've got rising expectations, as you heard from Zach, second half loan generations typically much better than the first half and fourth quarter is our best quarter, typically. So we're getting ahead of it, and that's a cons...

Jon, as we come into the second half, pipelines look really good as well. So -- we've had a very busy quarter with the conversion-related activities, delivering the results that are published today. But we've also maintained this effort in terms of growing customer relationships, and you got a sense of that for Brant earlier, and it's reflected in the pipeline. So one of the issues we've had historically is could w...

What analysts pressed on

Analysts expressed concerns regarding the guidance for NII, with one noting that the stock opened down 5% post-announcement. Questions focused on the competitive dynamics affecting deposit costs and the potential for further downward revisions in NII guidance.

Main topics on the call

• NII Guidance Concerns — Management indicated that NII might be at the low end or below previous expectations, citing 'incremental pressure on deposit costs' as a key factor. This has raised concerns among analysts about the sustainability of re...
• Successful Cadence Conversion — The successful completion of the Cadence systems conversion was highlighted as a major operational milestone, with management stating, 'we actually grew deposits during the conversion weekend and the weeks that followed....
• Strong Loan and Deposit Growth — Huntington achieved an 8.6% sequential increase in average loans and a 9.2% increase in average deposits, reflecting strong customer acquisition and deepening primary bank relationships. Management noted, 'organic loan g...
• Fee Income Growth — Value-added fee revenues grew over 60% year-over-year, with management expressing confidence in sustaining double-digit growth in this segment. They noted, 'we continue to see fees grow even stronger than our expectation...

Read the full Huntington Bancshares Incorporated transcript (Q2 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 74 Huntington Bancshares Incorporated earnings call transcripts on record, spanning January 23, 2020 to July 23, 2026. Based on this history, Huntington Bancshares Incorporated reports quarterly. The most recent call on file is dated July 23, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

HBAN

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

74

First call

January 23, 2020

Most recent

July 23, 2026

Reporting cadence

quarterly