Huntington (HBAN) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Thu, January 22, 2026 astatine 9:35 AM CST 48 min read

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Jan. 22, 2026 astatine 9:00 a.m. ET

• Chairman, President, and Chief Executive Officer — Stephen Steinour

• President, Consumer and Regional Banking — Brantley Standridge

• Chief Financial Officer — Zachary Wasserman

• Head of Investor Relations — Eric Wasserstrom

Stephen Steinour: Thanks, Eric. Good morning, and convey you for joining us. Beginning connected descent three, arsenic we participate 2026, the twelvemonth of Huntington's 160th anniversary, it's a infinitesimal of pride, but adjacent much a infinitesimal of anticipation. Our practice and profoundly rooted values proceed to usher us, yet it's the accidental up that energizes us. We're focused connected becoming the country's starring people-first, customer-centered bank, and that ambition is taking signifier crossed the franchise. Nearly each portion of Huntington is performing astatine a precocious level, creating almighty momentum arsenic we look to the future. We've developed a differentiated operating model.

Beginning adjacent month, our user and determination slope franchise volition person a beingness successful 21 states, galore of the fastest-growing successful the country. Our section transportation of nationalist capabilities is simply a franchise-defining competitory advantage. We besides person a starring nationalist commercialized bank, which includes the fifth-largest instrumentality concern lender successful the nation, 15 unsocial specialty concern verticals, arsenic good arsenic an expanding acceptable of superior markets capabilities. These functions marque america a premier supplier to companies ranging from tiny and middle-market businesses to ample firm entities. Our attack is wholly customer-centric. Our concern lines pb with proposal and guidance, present award-winning lawsuit service, and are supported by top-tier integer capabilities. And we adhere to our aggregate mean to low-risk profile.

In summary, our imaginativeness and values usher however our colleagues enactment our customers. These attributes, combined with our scalable concern exemplary and caller positioning successful the astir charismatic states, volition alteration maturation acold into the future. Slide 4 illustrates the halfway components of our exemplary and however they drove fantabulous full-year results for 2025. We person activated a flywheel of worth instauration successful which our operating exemplary drives sustainable precocious growth, enabling america to accelerate reinvestment and fortify our competitory advantage. In '25, this exemplary delivered genuinely outstanding results: 11% gross growth, 16% adjusted EPS growth, 290 ground points of affirmative operating leverage, and beardown recognition performance. All of this drove almighty superior generation. Slide 5 summarizes our cardinal messages.