Huntington Bancshares (HBAN) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2025, Huntington Bancshares (HBAN) reported revenue of $2.19 billion, up 11.3% over the same period last year. EPS came in at $0.37, compared to $0.34 in the year-ago quarter.

The reported revenue represents a surprise of -0.19% over the Zacks Consensus Estimate of $2.2 billion. With the consensus EPS estimate being $0.39, the EPS surprise was -4.86%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Huntington Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 64.2% versus the five-analyst average estimate of 57.8%.
• Net Interest Margin (FTE): 3.2% versus the five-analyst average estimate of 3.2%.
• Net charge-offs / Average total loans and leases: 0.2% compared to the 0.3% average estimate based on five analysts.
• Average Balance - Total earning assets: $202.51 billion versus the four-analyst average estimate of $203.09 billion.
• Tier 1 Leverage Ratio: 9.2% versus 8.9% estimated by three analysts on average.
• Regulatory Tier 1 risk-based capital ratio: 12% versus 12.7% estimated by two analysts on average.
• Net interest income - FTE: $1.61 billion versus the five-analyst average estimate of $1.61 billion.
• Total Non-Interest Income: $582 million versus $601.8 million estimated by five analysts on average.
• Capital markets and advisory fees: $101 million compared to the $104.27 million average estimate based on four analysts.
• Customer deposit and loan fees: $107 million versus the four-analyst average estimate of $105.42 million.
• Payments and cash management revenue: $170 million versus $177.18 million estimated by four analysts on average.
• Wealth and asset management revenue: $102 million versus the four-analyst average estimate of $105.54 million.

View all Key Company Metrics for Huntington Bancshares here>>>

Shares of Huntington Bancshares have returned +5.8% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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