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HBAN · Q2 2026
Archived report (Q2 2026). Latest deep dive →
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).
Net income applicable to common shares
$686M
up 34.8% y/y
Total revenue (calculated)
$2,837M
up 46.4% y/y
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 as an image: HBAN, Q2 2026 (PNG) ↗ · for sharing and presentations · free to reuse, CC BY 4.0
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Chart: “HBAN Q2 2026: where the revenue went” by Who Reports Today, https://whoreportstoday.com/t/hban/q2-2026. Licensed under CC BY 4.0.
<figure> <a href="https://whoreportstoday.com/t/hban/q2-2026"><img src="https://whoreportstoday.com/t/hban/q2-2026/sankey.png" alt="HBAN Q2 2026: where the revenue went" loading="lazy" style="max-width:100%;height:auto"></a> <figcaption>Source: <a href="https://whoreportstoday.com/t/hban/q2-2026">Who Reports Today</a>, licensed under <a href="https://creativecommons.org/licenses/by/4.0/">CC BY 4.0</a></figcaption> </figure>
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<a href="https://whoreportstoday.com/t/hban/q2-2026">HBAN Q2 2026 earnings chart (Who Reports Today)</a>
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- 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.
HBAN — 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.
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