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Banking industry

Huntington Bancshares Incorporated Reports Strong Second-Quarter Earnings Growth

Strategic Insights

— 2 min read

Huntington Bancshares Incorporated, a $208 billion asset regional bank holding company, reported a net income of $536 million for the 2025 second quarter, representing an increase of $9 million, or 2%, from the prior quarter, and an increase of $62 million, or 13%, from the year-ago quarter. The company's earnings per common share (EPS) was $0.34, unchanged from the prior quarter, and $0.04 higher than the year-ago quarter. The growth was driven by strong loan growth and expanded net interest margin, with average total loans and leases increasing $2.3 billion, or 2%, from the prior quarter to $133.2 billion.

Key Takeaways:

  • Net income for the 2025 second quarter was $536 million, an increase of $9 million, or 2%, from the prior quarter, and an increase of $62 million, or 13%, from the year-ago quarter.
  • Earnings per common share (EPS) was $0.34, unchanged from the prior quarter, and $0.04 higher than the year-ago quarter.
  • Net interest income increased $41 million, or 3%, from the prior quarter, and $155 million, or 12%, from the year-ago quarter.
  • Average total loans and leases increased $2.3 billion, or 2%, from the prior quarter to $133.2 billion, and increased $9.8 billion, or 8%, from the year-ago quarter.
  • Average commercial loans grew $1.6 billion, or 2%, from the prior quarter and $6.7 billion, or 10%, from the year-ago quarter.
  • Average consumer loans grew $725 million, or 1%, from the prior quarter and $3.1 billion, or 6%, from the year-ago quarter.
  • Tangible common equity (TCE) ratio of 6.6%, up from 6.3% in the prior quarter and 6.0% from a year ago.
  • Tangible book value per share of $9.13, up $0.33, or 4%, from the prior quarter and up $1.24, or 16%, from a year ago.

Statistics:

  • Net income: $536 million
  • Earnings per common share: $0.34
  • Net interest income: $41 million (3% increase from prior quarter), $155 million (12% increase from year-ago quarter)
  • Average total loans and leases: $133.2 billion (2% increase from prior quarter), $9.8 billion (8% increase from year-ago quarter)
  • Average commercial loans: $1.6 billion (2% increase from prior quarter), $6.7 billion (10% increase from year-ago quarter)
  • Average consumer loans: $725 million (1% increase from prior quarter), $3.1 billion (6% increase from year-ago quarter)
  • Tangible common equity (TCE) ratio: 6.6% (up from 6.3% in prior quarter and 6.0% from year-ago quarter)
  • Tangible book value per share: $9.13 (up $0.33 from prior quarter and up $1.24 from year-ago quarter)

Sources:

  • Huntington Bancshares Incorporated, "2025 Second Quarter Quarterly Financial Supplement"
  • Huntington Bancshares Incorporated, "2025 Second Quarter Earnings Announcement"
  • PrNewswire, "Huntington Bancshares Incorporated Reports 2025 Second-Quarter Earnings"

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