[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4480 followers Created: 2025-07-20 16:29:30 UTC $HBAN Huntington Bancshares Incorporated Earnings Call Key Highlights: (1/2) 💰 Strong Core Operating Performance Huntington reported robust loan and deposit growth, with each category increasing by nearly $XX billion year-over-year, underscoring the strength of the core franchise. Adjusted EPS rose XX% from the prior year, excluding securities repositioning and a notable item; reported EPS was $XXXX. Return on tangible common equity (ROTCE) reached 16.1%, and on an adjusted basis, 17.6%, supported by tangible book value growth of XX% year-over-year. Positive operating leverage was achieved, reflecting efficiency gains and strategic investment discipline across the bank’s key business segments. 🏦 Veritex Acquisition to Accelerate Texas Expansion Huntington announced the acquisition of Veritex Holdings, expanding its commercial banking presence in Dallas-Fort Worth and Houston with over XX branches. The deal enhances Huntington’s market penetration in Texas and enables broader deployment of its consumer, digital, and wealth offerings across the state. Veritex will serve as a platform for broader commercial and fee income expansion, with Chairman Malcolm Holland joining Huntington as Chairman of Texas. Integration is expected in Q4 2025, with management targeting seamless execution and long-term financial benefits for both shareholder bases. 📊 Revised and Upbeat Full-Year Outlook Full-year guidance for loan growth increased to 6%–8%, deposit growth to 4%–6%, and net interest income (NII) growth to 8%–9%, reflecting Q2 strength and favorable momentum. Fee income is projected to grow 4%–6%, with payments, wealth, and capital markets businesses serving as primary growth levers. Full-year expense growth guidance raised to 5%–6% (from 4%–5%), driven by higher incentive and volume-based compensation linked to revenue outperformance. Net charge-off guidance was lowered to 20–30 basis points (from 25–35 bps), reflecting stable credit trends and conservative underwriting. 🏦 Net Interest Income and Margin Outlook Net interest income rose XXX% sequentially to $XXX billion; NIM increased X basis point to 3.11%, supported by disciplined deposit pricing and hedging strategy. Full-year NIM expected to remain stable in the 3.08%–3.10% range; Q3 NII projected to be flat sequentially with NIM drag from hedge roll-offs offset by improved asset yields. Loan repricing remains favorable as higher-yielding originations continue, and liquidity optimization efforts (via reduced cash balances) enhance overall spread income. Capital optimization strategies remain focused on balancing growth and capital return, with CET1 expected to rise toward the midpoint of the 9%–10% target range. 📈 Commercial Loan Growth and New Initiatives Total loan balances grew XXX% year-over-year and $XXX billion sequentially, led by commercial loan production and continued contributions from strategic growth initiatives. Approximately $XXX million of loan growth originated from new initiatives, particularly in Texas, Carolinas, Financial Institutions Group, and Funds Finance. The remaining $XXX billion in growth was led by regional banking, indirect auto, middle market, and corporate banking, partially offset by a $XXX million decline in CRE. Management noted a deceleration in CRE portfolio runoff, suggesting potential bottoming in that segment, with originations beginning to outpace runoff.  XXX engagements  **Related Topics** [eps](/topic/eps) [robust](/topic/robust) [quarterly earnings](/topic/quarterly-earnings) [$hban](/topic/$hban) [stocks financial services](/topic/stocks-financial-services) [stocks banks](/topic/stocks-banks) [Post Link](https://x.com/LongYield/status/1946970734653243407)
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LongYield @LongYield on x 4480 followers
Created: 2025-07-20 16:29:30 UTC
$HBAN Huntington Bancshares Incorporated Earnings Call Key Highlights: (1/2)
💰 Strong Core Operating Performance
Huntington reported robust loan and deposit growth, with each category increasing by nearly $XX billion year-over-year, underscoring the strength of the core franchise.
Adjusted EPS rose XX% from the prior year, excluding securities repositioning and a notable item; reported EPS was $XXXX.
Return on tangible common equity (ROTCE) reached 16.1%, and on an adjusted basis, 17.6%, supported by tangible book value growth of XX% year-over-year.
Positive operating leverage was achieved, reflecting efficiency gains and strategic investment discipline across the bank’s key business segments.
🏦 Veritex Acquisition to Accelerate Texas Expansion
Huntington announced the acquisition of Veritex Holdings, expanding its commercial banking presence in Dallas-Fort Worth and Houston with over XX branches.
The deal enhances Huntington’s market penetration in Texas and enables broader deployment of its consumer, digital, and wealth offerings across the state.
Veritex will serve as a platform for broader commercial and fee income expansion, with Chairman Malcolm Holland joining Huntington as Chairman of Texas.
Integration is expected in Q4 2025, with management targeting seamless execution and long-term financial benefits for both shareholder bases.
📊 Revised and Upbeat Full-Year Outlook
Full-year guidance for loan growth increased to 6%–8%, deposit growth to 4%–6%, and net interest income (NII) growth to 8%–9%, reflecting Q2 strength and favorable momentum.
Fee income is projected to grow 4%–6%, with payments, wealth, and capital markets businesses serving as primary growth levers.
Full-year expense growth guidance raised to 5%–6% (from 4%–5%), driven by higher incentive and volume-based compensation linked to revenue outperformance.
Net charge-off guidance was lowered to 20–30 basis points (from 25–35 bps), reflecting stable credit trends and conservative underwriting.
🏦 Net Interest Income and Margin Outlook
Net interest income rose XXX% sequentially to $XXX billion; NIM increased X basis point to 3.11%, supported by disciplined deposit pricing and hedging strategy.
Full-year NIM expected to remain stable in the 3.08%–3.10% range; Q3 NII projected to be flat sequentially with NIM drag from hedge roll-offs offset by improved asset yields.
Loan repricing remains favorable as higher-yielding originations continue, and liquidity optimization efforts (via reduced cash balances) enhance overall spread income.
Capital optimization strategies remain focused on balancing growth and capital return, with CET1 expected to rise toward the midpoint of the 9%–10% target range.
📈 Commercial Loan Growth and New Initiatives
Total loan balances grew XXX% year-over-year and $XXX billion sequentially, led by commercial loan production and continued contributions from strategic growth initiatives.
Approximately $XXX million of loan growth originated from new initiatives, particularly in Texas, Carolinas, Financial Institutions Group, and Funds Finance.
The remaining $XXX billion in growth was led by regional banking, indirect auto, middle market, and corporate banking, partially offset by a $XXX million decline in CRE.
Management noted a deceleration in CRE portfolio runoff, suggesting potential bottoming in that segment, with originations beginning to outpace runoff.
XXX engagements
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