Huntington Bancshares (HBAN) FY2025 10-K Annual Report
Huntington Bancshares (HBAN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 13, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Huntington Bancshares FY2025 10-K Analysis
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
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
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
Huntington Bancshares FY2025 Key Financial MetricsXBRL
Revenue
$1.6B
▲ +6.4% YoY
Net Income
$2.2B
▲ +14.0% YoY
Net Margin
141.5%
▲ +940bp YoY
ROE
9.1%
▼ -74bp YoY
Total Assets
$225.1B
▲ +10.2% YoY
EPS (Diluted)
$1.39
▲ +13.9% YoY
Operating Cash Flow
$2.5B
▲ +36.7% YoY
Source: XBRL data from Huntington Bancshares FY2025 10-K filing on SEC EDGAR. All figures in USD.
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