Short answer
Huntington Bancshares (HBAN) filed its fiscal 2025 10-K annual report with the SEC on Feb 13, 2026. It reported revenue of $1.6B (+6.4% year over year) and net income of $2.2B.
- Top risk flagged: Regulatory risk from Federal Reserve rate cuts, with 3 cuts of 25 bps in 2025, impacting net interest margins and asset yields
FY2025 key financial metrics · XBRL
- Revenue
- $1.6B
- +6.4% YoY
- Net income
- $2.2B
- +14.0% YoY
- EPS (diluted)
- $1.39
- +13.9% YoY
- ROE
- 9.1%
- −0.7 pp YoY
- Operating cash flow
- $2.5B
- +36.7% YoY
Source: XBRL data from the Huntington Bancshares (HBAN) FY2025 10-K on SEC EDGAR. USD.
Huntington Bancshares FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Regional bank offering consumer, commercial banking, and leasing services with credit risk management focus
- New acquisition: Veritex acquisition adding $450 million goodwill, integrated into reporting units without impairment impact
- Strategic emphasis: Enhanced credit loss allowance process using multi-scenario macroeconomic forecasting including adverse scenario stress testing
- Quantitative metric: Goodwill balance of $6.0 billion at year-end, split $3.9B consumer/regional, $2.1B commercial banking segments
- Noteworthy fact: Hypothetical ACL increase by $0.8 billion under 100% adverse economic scenario illustrating sensitivity to geopolitical, inflation, and recession risks
Management Discussion & Analysis
- Total deposits $176.6B, up $14.2B (9%) YoY including $10.5B from Veritex acquisition
- Wholesale funding increased to $24.4B from $23.6B, driven by $1.1B short-term and $847M long-term debt growth
- Cash and cash equivalents $13.5B, up $648M; investment securities $41.5B, down $2.2B YoY
- Dividends declared quarterly totaling approx. $284M; 2025 common and preferred dividends received $750M and $45M respectively
- Management confident in liquidity and capital resources to meet obligations next 12 months; monitors multiple liquidity risk metrics and uses derivatives for risk management
Risk Factors
- Regulatory risk from Federal Reserve rate cuts, with 3 cuts of 25 bps in 2025, impacting net interest margins and asset yields
- Macroeconomic exposure to U.S. government shutdown delaying economic data, despite 2.0%-2.3% GDP growth and 4.4% unemployment at year-end
- Operational risk from integrating $1.7B Veritex and $8.1B Cadence acquisitions, including $168M acquisition-related expenses impacting 2025 earnings
- Competitive threat from regional banking peers post-Cadence merger, adding $54B in assets and $37B in loans, intensifying scale and product competition
- Financial leverage pressure with CET1 ratio declining to 10.4% due to increased risk-weighted assets and CECL adjustments despite $2.2B net income
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.