Huntington reported net income for Q2 2025 of $536 million, or $0.34 per diluted common share, compared with $474 million, or $0.30 per diluted common share, in the year-ago quarter. The company said an approximately $900 million investment securities repositioning decreased pre-tax net income by $58 million.

10-QQuarterly reportFiled Jul 29, 2025Period of report Jun 30, 2025Summary published (UTC) Oct 10, 2026

Key points

AI summary

Huntington reported net income for Q2 2025 of $536 million, or $0.34 per diluted common share, compared with $474 million, or $0.30 per diluted common share, in the year-ago quarter. The company said an approximately $900 million investment securities repositioning decreased pre-tax net income by $58 million.
Huntington said net interest income for Q2 2025 was $1.5 billion, an increase of $155 million, or 12%, from the year-ago quarter, and FTE net interest margin increased 12 basis points to 3.11%. The company cited net hedging activity and a decrease in cost of funding as factors in the NIM increase.
On July 14, 2025, Huntington announced entry into a definitive merger agreement with Veritex Holdings, Inc., whereby Veritex will merge with and into Huntington, with Huntington as the surviving entity. Huntington will issue 1.95 shares for each outstanding share of Veritex in a 100% stock transaction. Based on Huntington's closing price of $17.39 as of July 11, 2025, the consideration is valued at approximately $1.9 billion. The company said the merger is expected to close in Q4 2025.
Huntington said total assets as of June 30, 2025 were $207.7 billion, an increase of $3.5 billion, or 2%, compared to December 31, 2024. The company said the tangible common equity to tangible assets ratio increased to 6.6%, and the CET1 risk-based capital ratio was 10.5%.

Key figures

Quarter ended June 30, 2025

Revenue: $1.9B
Net income: $536M
EPS: $0.34

From the XBRL financial data filed with the SEC · not processed by AI.

Summary

AI-written

Analysis scope · Management's discussion (MD&A)We analyzed excerpts of the Management's Discussion and Analysis (MD&A) section (with omissions). Other sections of the report, such as the notes to the financial statements and risk factors, were not reviewed.

Q2 Net Income and Securities Repositioning Impact

Huntington reported net income for Q2 2025 of $536 million, or $0.34 per diluted common share, compared with $474 million, or $0.30 per diluted common share, in the year-ago quarter. The company said an approximately $900 million investment securities repositioning decreased pre-tax net income by $58 million.

Source · Based on the MD&A text of the filing

Net Interest Income and Net Interest Margin Changes

Huntington said net interest income for Q2 2025 was $1.5 billion, an increase of $155 million, or 12%, from the year-ago quarter, and FTE net interest margin increased 12 basis points to 3.11%. The company cited net hedging activity and a decrease in cost of funding as factors in the NIM increase.

Source · Based on the MD&A text of the filing

Veritex Holdings Merger Agreement

On July 14, 2025, Huntington announced entry into a definitive merger agreement with Veritex Holdings, Inc., whereby Veritex will merge with and into Huntington, with Huntington as the surviving entity. Huntington will issue 1.95 shares for each outstanding share of Veritex in a 100% stock transaction. Based on Huntington's closing price of $17.39 as of July 11, 2025, the consideration is valued at approximately $1.9 billion. The company said the merger is expected to close in Q4 2025.

Source · Based on the MD&A text of the filing

Total Assets and Capital Ratio Changes

Huntington said total assets as of June 30, 2025 were $207.7 billion, an increase of $3.5 billion, or 2%, compared to December 31, 2024. The company said the tangible common equity to tangible assets ratio increased to 6.6%, and the CET1 risk-based capital ratio was 10.5%.

Source · Based on the MD&A text of the filing

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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