MARKETS / NASDAQ / HBAN

NASDAQ · NATIONAL COMMERCIAL BANKS · LARGE CAP

Huntington Bancshares Inc. HBAN

18 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$1.6B

▲ 6.4% YoY

Net income

$2.2B

▲ 14.0% YoY

Free cash flow

$2.2B

▲ 30.8% YoY

In brief

What this company does

Through its subsidiaries, Huntington Bancshares Incorporated provides full-service commercial and consumer deposit, lending, and other banking and financial services, including payments, mortgage banking, direct and indirect consumer financing, investment banking, capital markets, advisory, equipment financing, distribution finance, investment management, trust, brokerage and insurance. As of December 31, 2025, it operated more than 1,000 branches in 14 states. It is organized into two business segments, Consumer & Regional Banking and Commercial Banking, along with a Treasury / Other function. The Consumer & Regional Banking segment provides a wide array of financial products and services to consumer and business customers, including deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage and insurance. The Commercial Banking segment includes customers in Middle Market Banking, Corporate, Specialty and Government Banking, Asset Finance, Commercial Real Estate Banking, Capital Markets, and National Settlements. Huntington Bancshares Incorporated is a multi-state regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio, and it has been servicing the financial needs of its customers since 1866.

Written from the business description in Huntington Bancshares Incorporated's annual report to the U.S. Securities and Exchange Commission, filed 13 February 2026. Every sentence was checked against that document before publication.

Growth

USD 1.6B

Revenue, FY2025 · full 18-year series below

Revenue $B Net income $B

FY2025 · Revenue 1.6 · Net income 2.2

Compound annual growth

Revenue

+5.8%

+12.1%

Net income

−0.4%

+22.0%

+12.3%

+13.9%

EPS, diluted

−1.4%

Dividend / share

+0.0%

Returned to shareholders

+0.4%

+5.2%

+7.9%

+25.9%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +12.1% a year over five years — but profit grew faster: net income at +22.0%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

143 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 172.1% · Net 142.7%

ROE

FY2025 · ROE 10.0%

Gross margin—

Operating margin172.1%

Net margin142.7%

Return on assets1.0%

EBITDAUSD 3.5B

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders

USD 908.0M

returned in FY2025 · dividends + net buybacks

Free cash flow $B

FY2025 · FCF 2.2

Net buybacks $M Dividends $M

FY2025 · Dividends 908.0 · Net buybacks —

Dividends paidUSD 908.0M

Net buybacks—

Share of profit41.1%

Consecutive raises—

USD 908.0M in dividends — 41% of the year's profit went back to shareholders.

Total assetsUSD 225.1B

EquityUSD 24.3B

CashUSD 13.5B

Gross debtUSD 18.5B

Net debtUSD 5.0B

DepositsUSD 176.6B

Net debt stands at 20% of equity.

The 18-year record

18 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue $B	1.6	1.5	1.4	1.3	1.1	0.9	0.9	0.9	·	·	·	·	·	·	·	·	·	·
Operating income $B	2.7	2.4	2.4	2.8	1.6	1.0	1.7	·	·	·	·	·	·	·	·	·	·	·
EBITDA $B	3.5	3.0	3.2	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Income tax $B	0.5	0.4	0.4	0.5	0.3	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.0	−0.6	−0.2
Net income $B	2.2	1.9	2.0	2.2	1.3	0.8	1.4	1.4	1.2	0.7	0.7	0.6	0.6	0.6	0.5	0.3	−3.1	−0.1
Free cash flow $B	2.2	1.7	2.5	3.8	1.8	1.2	1.5	1.6	1.8	1.1	0.9	0.8	0.9	0.9	1.5	0.8	1.9	1.2
EPS, diluted $	1.39	1.22	1.24	1.45	0.90	0.69	1.27	1.20	1.00	0.70	0.81	0.72	0.72	0.69	0.59	0.19	−6.14	−0.44
Dividend / sh $	0.62	0.62	0.62	0.62	0.60	0.60	0.58	0.50	0.35	0.29	0.25	0.21	0.19	0.16	0.10	0.04	0.04	0.66
Payout %	41	47	46	40	58	75	42	37	29	34	28	26	23	22	11	9	−2	−246
ROE %	10.0	9.9	10.5	12.1	8.0	6.6	12.3	12.7	11.2	8.4	10.7	10.2	10.8	10.9	9.7	5.8	−49.3	−1.6
Shares out B	1.57	1.45	1.45	1.44	1.44	1.02	1.02	1.05	1.07	1.09	0.79	0.81	0.83	0.84	0.86	0.86	0.72	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 53 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 4 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityNational Commercial Banks

Listed onNASDAQ

Incorporated inMaryland

Fiscal year endsDecember 31

Data on record since2008