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How Huntington Bancshares (HBAN) makes money: Q2 2026 revenue breakdown
The quarter in brief
Revenue grew 46.4% y/y to $2.84B, pre-tax margin 31.6% vs 32.9%, net income $686M (+34.8% y/y).
Key growth driver: Net interest income — the fastest-growing revenue line: $2,052, +40% y/y. · by the Q2 2026 report
Net income applicable to common shares
$686M
up 34.8% y/y
Total revenue (calculated)
$2,837M
up 46.4% y/y
Next report
not announced yet
How does Huntington Bancshares make money?
Huntington Bancshares brought in $2.84 billion of revenue in Q2 2026, up 46.4% year over year. The largest source was Net interest income: $2.05 billion, or 72% of the total, followed by Noninterest income ($785M, 28%). Net income for the quarter was $686 million, up 34.8% year over year.
Revenue by source, Q2 2026
- Net interest income$2.05B · 72% · +39.9%
- Noninterest income$785M · 28% · +66.7%
Shares of $2.84B total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
All figures in $M.
| Line item | Amount and change |
|---|---|
| Net interest income | $2,052 · +39.9% |
| Noninterest income | $785 · +66.7% |
| Total revenue (calculated) | $2,837 · +46.4% |
| Noninterest expense | $1,809 · +51.1% |
| Provision for credit losses | $132 · +28.2% |
| Income before income taxes | $896 · +40.4% · 31.6% margin |
| Provision for income taxes | $165 · +71.9% · 18.4% effective rate |
| Non-controlling interest and dividends on preferred shares (calculated) | $45 · +36.4% |
| Net income applicable to common shares | $686 · +34.8% · $0.33/sh · 24.2% margin |
Verdict: revenue grew 46.4% y/y to $2.84B, pre-tax margin 31.6% vs 32.9%, net income $686M (+34.8% y/y).
Diluted EPS $0.33 vs $0.34 a year earlier; adjusted EPS $0.39 excluding Notable Items (non-GAAP); net charge-offs 0.25% of average loans; allowance for credit losses $3.4 billion, 1.78% of loans.
Source and notation
Source: Huntington Bancshares earnings release and its exhibits, 8-K EX-99 of 07/23/2026 (SEC EDGAR). Bank layout: total revenue = net interest income + noninterest income; noninterest expense and the provision for credit losses are deducted to reach pre-tax income; preferred dividends separate net income from net income available to common shareholders. The income statement lines were taken from the release by hand; the program found every figure in the release text and checked the accounting identities and the chart balance; revenue and net income match the company's 10-Q.
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
- Growth reflects the Cadence and Veritex acquisitions: net interest income rose $585 million, or 40%, and noninterest income $314 million, or 67%.
- Average total loans and leases increased 42% to $189.3 billion and average deposits 37%.
- Noninterest expense rose 51% to $1,809M, including Notable Items tied to the Cadence integration; the systems conversion of Cadence Bank was completed in mid-June.
- Pre-tax income was $896M, a 31.6% margin vs 32.9% a year earlier.
- The effective tax rate was 18.4% vs 15.0% a year earlier.
- Diluted EPS was $0.33 vs $0.34 a year earlier.
What distorts the picture in this report and what to watch beyond the headlines.
Who runs the company now
As of 10/20/2026, per the company’s SEC filings: signatures on the latest report and leadership-change filings.
Positions: the company’s SEC filings. Spotted an error, or is this you and you’d like it corrected or removed? Contact us
How this is compiled
Who runs the company now comes from primary sources only: for US companies, the CEO and CFO signatures on the latest SEC report, and a separate board chair from the proxy statement (DEF 14A); for Russian and Kazakh issuers, the company website and its disclosures. We recheck weekly; if a name can’t be confirmed, or a leadership-change filing came out after the report, we don’t show it until it’s reviewed. History comes from proxy statements, disclosures, Wikipedia and Wikidata; years show when a term started and ended, “since” means the person is in office now. An outcome for a previous employer is shown only when the linked document states it.
Sources · 2
- SEC EDGAR: 10-Q 2026-07-28 · SEC EDGAR · 10/20/2026
- SEC EDGAR: 10-Q 2026-07-28 · SEC EDGAR · 10/20/2026
Huntington Bancshares — Huntington Bancshares is the holding company of The Huntington National Bank, a regional bank for consumers and businesses; it acquired Veritex and Cadence Bank.
Headquarters: Columbus, Ohio.
HBAN earnings history: past report dates
| Jul 23, 2026 Thu | 6:16 ambefore market open | Jun 30, 2026 | $2.8B+46% y/y | $0.33−3% y/y |
| Apr 23, 2026 Thu | 6:31 ambefore market open | Mar 31, 2026 | $2.6B+34% y/y | $0.25−26% y/y |
| Jan 22, 2026 Thu | 6:56 ambefore market open | Dec 31, 2025 | ≈$2.2B+11% y/y | ≈$0.30−9% y/y |
| Oct 17, 2025 Fri | 7:02 ambefore market open | Sep 30, 2025 | $2.1B+14% y/y | $0.41+24% y/y |
| Jul 14, 2025 Mon | 8:14 ambefore market open | Jun 30, 2025 | $1.9B+7% y/y | $0.34+13% y/y |
| Apr 17, 2025 Thu | 7:06 ambefore market open | Mar 31, 2025 | $1.9B+9% y/y | $0.34+31% y/y |
| Jan 17, 2025 Fri | 7:01 ambefore market open | Dec 31, 2024 | ≈$2.0B+14% y/y | ≈$0.33+120% y/y |
| Oct 17, 2024 Thu | 7:01 ambefore market open | Sep 30, 2024 | $1.9B−0% y/y | $0.33−6% y/y |
| Jul 19, 2024 Fri | 6:30 ambefore market open | Jun 30, 2024 | $1.8B−2% y/y | $0.30−14% y/y |
| Jan 19, 2024 Fri | 6:31 ambefore market open | Dec 31, 2023 | ≈$1.7B−12% y/y | ≈$0.15−64% y/y |
| Oct 20, 2023 Fri | 7:01 ambefore market open | Sep 30, 2023 | $1.9B−1% y/y | $0.35−10% y/y |
| Jul 21, 2023 Fri | 7:01 ambefore market open | Jun 30, 2023 | $1.8B+5% y/y | $0.35+0% y/y |
| Apr 20, 2023 Thu | 7:01 ambefore market open | Mar 31, 2023 | $1.9B+17% y/y | $0.39+34% y/y |
| Jan 20, 2023 Fri | 7:00 ambefore market open | Dec 31, 2022 | ≈$2.0B+19% y/y | ≈$0.42+56% y/y |
| Oct 21, 2022 Fri | 7:02 ambefore market open | Sep 30, 2022 | $1.9B+12% y/y | $0.39+77% y/y |
| Jul 21, 2022 Thu | 7:02 ambefore market open | Jun 30, 2022 | $1.7B+36% y/y | $0.35 |
| Apr 21, 2022 Thu | 7:00 ambefore market open | Mar 31, 2022 | $1.6B+20% y/y | $0.29−40% y/y |
| Jan 21, 2022 Fri | 7:32 ambefore market open | Dec 31, 2021 | ≈$1.6B+33% y/y | ≈$0.27+0% y/y |
| Oct 28, 2021 Thu | 8:17 ambefore market open | Sep 30, 2021 | $1.7B+36% y/y | $0.22−19% y/y |
| Jul 29, 2021 Thu | 7:37 ambefore market open | Jun 30, 2021 | $1.3B+8% y/y | −$0.05 |
| Apr 22, 2021 Thu | 7:23 ambefore market open | Mar 31, 2021 | $1.4B+19% y/y | $0.48 |
| Jan 22, 2021 Fri | 7:27 ambefore market open | Dec 31, 2020 | ≈$1.2B+7% y/y | ≈$0.27−4% y/y |
| Oct 22, 2020 Thu | 8:33 ambefore market open | Sep 30, 2020 | $1.2B+5% y/y | $0.27−21% y/y |
| Jul 23, 2020 Thu | 7:35 ambefore market open | Jun 30, 2020 | $1.2B−0% y/y | $0.13−61% y/y |
| Apr 23, 2020 Thu | 7:35 ambefore market open | Mar 31, 2020 | $1.2B+1% y/y | $0.03−91% y/y |
| Jan 23, 2020 Thu | 7:55 ambefore market open | Dec 31, 2019 | $1.2B−1% y/y | $0.28−3% y/y |
| Oct 24, 2019 Thu | 7:33 ambefore market open | Sep 30, 2019 | $1.2B+4% y/y | $0.34+3% y/y |
| Jul 25, 2019 Thu | 7:36 ambefore market open | Jun 30, 2019 | $1.2B+6% y/y | $0.33+10% y/y |
| Apr 25, 2019 Thu | 7:46 ambefore market open | Mar 31, 2019 | $1.1B+5% y/y | $0.32+14% y/y |
| Jan 24, 2019 Thu | 7:34 ambefore market open | Dec 31, 2018 | $1.2B+5% y/y | $0.29−22% y/y |
| Oct 23, 2018 Tue | 7:50 ambefore market open | Sep 30, 2018 | $1.1B+5% y/y | $0.33+43% y/y |
| Jul 25, 2018 Wed | 7:57 ambefore market open | Jun 30, 2018 | $1.1B+5% y/y | $0.30+30% y/y |
| Apr 24, 2018 Tue | 7:54 ambefore market open | Mar 31, 2018 | $1.1B+4% y/y | $0.28+65% y/y |
| Jan 23, 2018 Tue | 7:42 ambefore market open | Dec 31, 2017 | $1.1B+4% y/y | $0.37+85% y/y |
| Oct 25, 2017 Wed | 7:51 ambefore market open | Sep 30, 2017 | $1.1B+17% y/y | $0.23+109% y/y |
| Jul 21, 2017 Fri | 7:35 ambefore market open | Jun 30, 2017 | $1.1B+38% y/y | $0.23+21% y/y |
| Apr 19, 2017 Wed | 7:43 ambefore market open | Mar 31, 2017 | $1.0B+40% y/y | $0.17−15% y/y |
| Jan 25, 2017 Wed | 7:44 ambefore market open | Dec 31, 2016 | $1.1B+39% y/y | $0.20−5% y/y |
| Oct 26, 2016 Wed | 7:43 ambefore market open | Sep 30, 2016 | $928M+24% y/y | $0.11−39% y/y |
| Apr 20, 2016 Wed | 7:24 ambefore market open | Mar 31, 2016 | $745M+7% y/y | $0.20+5% y/y |
| Jan 21, 2016 Thu | 7:20 ambefore market open | Dec 31, 2015 | $769M+9% y/y | $0.21+11% y/y |
| Oct 22, 2015 Thu | 7:31 ambefore market open | Sep 30, 2015 | $749M+5% y/y | $0.18+0% y/y |
| Jul 23, 2015 Thu | 7:15 ambefore market open | Jun 30, 2015 | $772M+9% y/y | $0.23+21% y/y |
| Apr 22, 2015 Wed | 7:43 ambefore market open | Mar 31, 2015 | $699M+2% y/y | $0.19+12% y/y |
| Jan 22, 2015 Thu | 7:41 ambefore market open | Dec 31, 2014 | $707M+4% y/y | $0.19+6% y/y |
| Oct 17, 2014 Fri | 7:54 ambefore market open | Sep 30, 2014 | $714M+5% y/y | $0.18−10% y/y |
| Jul 18, 2014 Fri | 7:08 ambefore market open | Jun 30, 2014 | $710M+5% y/y | $0.19+12% y/y |
| Apr 16, 2014 Wed | 6:42 ambefore market open | Mar 31, 2014 | $686M+1% y/y | $0.17+0% y/y |
| Jan 16, 2014 Thu | 6:49 ambefore market open | Dec 31, 2013 | $681M−7% y/y | $0.18−5% y/y |
| Oct 17, 2013 Thu | 7:37 ambefore market open | Sep 30, 2013 | $679M−2% y/y | $0.20+5% y/y |
| Jul 18, 2013 Thu | 6:31 ambefore market open | Jun 30, 2013 | $677M−1% y/y | $0.17+0% y/y |
| Apr 17, 2013 Wed | 8:37 ambefore market open | Mar 31, 2013 | $681M−3% y/y | $0.17+0% y/y |
| Jan 17, 2013 Thu | 7:18 ambefore market open | Dec 31, 2012 | $732M+14% y/y | $0.19+36% y/y |
| Oct 18, 2012 Thu | 7:42 ambefore market open | Sep 30, 2012 | $691M+4% y/y | $0.19+19% y/y |
| Jul 19, 2012 Thu | 8:32 ambefore market open | Jun 30, 2012 | $683M+4% y/y | $0.17+6% y/y |
| Apr 18, 2012 Wed | 9:54 amduring market hours | Mar 31, 2012 | $703M+10% y/y | $0.17+21% y/y |
| Jan 19, 2012 Thu | 9:32 amduring market hours | Dec 31, 2011 | $644M | $0.14 |
| Oct 20, 2011 Thu | 9:00 ambefore market open | Sep 30, 2011 | $665M | $0.16 |
| Jul 21, 2011 Thu | 9:24 ambefore market open | Jun 30, 2011 | $659M | $0.16 |
| Apr 20, 2011 Wed | 9:45 amduring market hours | Mar 31, 2011 | $641M | $0.14 |
Show all 60 reports since 2011Show fewer
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Companies that file the 8-K late in the evening publish the release the next morning: the date is that morning, before market open, and the evening filing time is not shown. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
Huntington Bancshares: 15-year financials
| 2025 | 8,166 | 2,211 | 2,215 | 908 |
| 2024 | 7,385 | 1,940 | 1,693 | 903 |
| 2023 | 7,360 | 1,951 | 2,517 | 900 |
| 2022 | 7,254 | 2,238 | 3,813 | 897 |
| 2021 | 5,991 | 1,295 | 1,815 | 750 |
| 2020 | 4,815 | 817 | 1,204 | 614 |
| 2019 | 4,667 | 1,411 | 1,467 | 597 |
| 2018 | 4,510 | 1,393 | 1,616 | 514 |
| 2017 | 4,309 | 1,186 | 1,760 | 349 |
| 2016 | 3,519 | 712 | 1,095 | 245 |
| 2015 | 2,990 | 693 | 940 | 193 |
| 2014 | 2,816 | 632 | 830 | 167 |
| 2013 | 2,717 | 641 | 911 | 151 |
| 2012 | 2,817 | 631 | 873 | 138 |
| 2011 | 2,610 | 543 | 1,451 | 61.6 |
$ millions, annual 10-K reports on SEC EDGAR (US GAAP)*.
How we calculate
Figures are annual report lines; if a year was later restated (discontinued operations, mergers), we use the latest filing that shows it. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing. The table starts in 2011; where the listed issuer changed (holding reorganization, redomicile), earlier years come from the predecessor’s filings.
Shareholders’ equity at Mar 31, 2026: $32.5B (11% of total assets). Compare with other S&P 500 companies →
Included in screener lists: S&P 500 companies with revenue growth 10 years in a row · S&P 500 companies that paid dividends 10 years without a gap
Huntington Bancshares (HBAN) earnings: FAQ
How does Huntington Bancshares make money?
Huntington Bancshares brought in $2.84 billion of revenue in Q2 2026, up 46.4% year over year. The largest source was Net interest income: $2.05 billion, or 72% of the total, followed by Noninterest income ($785M, 28%). Net income for the quarter was $686 million, up 34.8% year over year.
When is HBAN's next earnings date?
We have not yet seen an announcement of the next earnings date from Huntington Bancshares (HBAN).
What time does HBAN report earnings?
Huntington Bancshares usually reports before market open: its latest results release was filed with the SEC at 6:16 am ET on Jul 23, 2026.
When did HBAN last report earnings?
Huntington Bancshares reported Q2 2026 results on Jul 23, 2026.
Where can I find Huntington Bancshares's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to HBAN's filings; this page breaks the latest report down in a Sankey chart.
What was HBAN's net income in Q2 2026?
Huntington Bancshares reported net income of $686M for Q2 2026 (+34.8% year over year), under US GAAP.
Does Huntington Bancshares pay dividends?
Yes. In 2025, Huntington Bancshares paid $908M in dividends on its common stock, per its 10-K. Earlier years are in the 15-year table above.
How has Huntington Bancshares's revenue changed since 2011?
Per its 10-K filings, revenue grew 3.1x: $2,610M in 2011 and $8,166M in 2025. The latest year is the highest in the table. Year-by-year figures are in the table above.
New to earnings reports? Start with how to read an earnings report.
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