The company said Huntington Bancshares' net income applicable to common shares for Q3 2026 was $721 million, or $0.33 per diluted common share, compared with $629 million, or $0.41, a year earlier. It said the quarter included acquisition-related expenses of $117 million, or $92 million after tax, which reduced diluted earnings by $0.05 per common share.

1. 01

   The company said Huntington Bancshares' net income applicable to common shares for Q3 2026 was $721 million, or $0.33 per diluted common share, compared with $629 million, or $0.41, a year earlier. It said the quarter included acquisition-related expenses of $117 million, or $92 million after tax, which reduced diluted earnings by $0.05 per common share.

2. 02

   The company said net interest income for Q3 2026 was $2.1 billion, an increase of $563 million, or 37%, from the year-ago period. Average earning assets rose $62.5 billion, or 32%, and the FTE NIM increased 12 basis points to 3.25%. The company attributed the growth in average assets and liabilities to the Cadence and Veritex acquisitions and organic growth.

3. 03

   On February 1, 2026, Huntington completed its acquisition of Cadence Bank and issued 462 million shares of common stock to Cadence shareholders. The company said total consideration for the deal was about $8.3 billion. It said assets acquired in the Cadence transaction totaled $51.3 billion, and liabilities assumed totaled $46.5 billion.

4. 04

   Huntington said the ACL was $3.4 billion, or 1.75% of total loans and leases, as of September 30, 2026, up $615 million from $2.7 billion (1.83%) at the end of 2025. NPAs rose to $1.7 billion, an increase of $777 million, and the company said the increase included $295 million of NPAs assumed in the Cadence acquisition.

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.

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