Huntington Bancshares Reports Q4 2025 Earnings Miss Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 29 2026
0mins
Should l Buy HBAN?
Source: seekingalpha
Huntington Bancshares Inc's stock fell 5.01% as it crossed below the 5-day SMA, reflecting investor concerns following its Q4 earnings report.
The company reported a net income of $519 million for Q4 2025, translating to an EPS of $0.30, which missed analyst expectations of $0.38. This disappointing performance was attributed to challenges in integrating the Veritex acquisition and rising expense pressures, leading to a decline in profitability despite a year-over-year revenue increase of 14.4% to $1.59 billion. The market reacted negatively to the earnings miss, contributing to the stock's decline.
Despite the earnings miss, Huntington's revenue growth indicates potential for future expansion, particularly with the expected rise in net interest income in 2026. However, the pressure on profitability may raise concerns among investors regarding the company's ability to sustain growth.
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Analyst Views on HBAN
Wall Street analysts forecast HBAN stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HBAN is 20.23 USD with a low forecast of 16.00 USD and a high forecast of 23.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
15 Analyst Rating
12 Buy
2 Hold
1 Sell
Moderate Buy
Current: 19.020
Low
16.00
Averages
20.23
High
23.00
Current: 19.020
Low
16.00
Averages
20.23
High
23.00
About HBAN
Huntington Bancshares Incorporated is an asset regional bank holding company. The Company, through its bank subsidiary, Huntington National Bank and its affiliates provide consumers, small and middle-market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. It operates more than 1,000 branches in 14 states, with certain businesses operating in extended geographies. Its Consumer & Regional Banking segment offers financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, and other financial products and services. Its Commercial Banking segment provides expertise through banks, capabilities, and digital channels, which include a comprehensive set of product offerings. Its target clients span from mid-market to large corporates across a national footprint.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Asset Growth: Post-merger, Huntington's total assets reach approximately $279 billion, with $221 billion in deposits and $187 billion in loans, providing robust support for its expansion into high-growth markets across the South and Texas.
- Branch Network Expansion: The addition of Cadence's 390 branches will expand Huntington's network to nearly 1,400 locations across 21 states, with plans to maintain Cadence's branches and invest in their growth, thereby enhancing customer service capabilities.
- New Board Members: Huntington's Board has appointed three new directors, all former Cadence Bank directors, whose extensive experience will provide crucial support for Huntington's strategic development, driving future growth and innovation.
See More
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- Asset Scale Expansion: Post-merger, Huntington's total assets reach $279 billion, with deposits totaling $221 billion and loans amounting to $187 billion, which will enhance its competitiveness nationwide and lay a solid foundation for future expansion.
- New Board Members: Huntington's Board of Directors has appointed three new members, including former Cadence Bank Chairman and CEO Dan Rollins, along with two other executives with extensive banking experience, which will bring fresh perspectives and strategic guidance to enhance corporate governance.
- Enhanced Customer Service: The merger will integrate Cadence's 390 branches with Huntington's network, creating nearly 1,400 locations, allowing Cadence customers to continue banking at existing branches, with account system conversions expected by mid-2026, thereby improving customer experience.
See More
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- Sell-Side Considerations: The report also analyzes sell-side M&A considerations for middle market business owners seeking liquidity events, aiding them in understanding market dynamics.
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