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Huntington Bancshares Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary10 Dec, 2025
Strategic Growth and Expansion
Achieved best-in-class loan and deposit growth, expanding into the Carolinas, Texas, and new markets such as Michigan, Chicago, Minnesota, and Colorado, with announced acquisitions of Veritex and Cadence to strengthen future positioning.
Organic growth remains the foundation, with disciplined M&A as a catalyst for further expansion and a unique value creation flywheel driving sustainable competitive advantage.
The combined organization will become the 10th largest U.S. bank, with a strong presence in high-growth Southern markets and significant deposit share in Texas.
Focused on deepening market and wallet share in existing and new markets, with no plans for national or West Coast expansion.
Branch network spans 21 states, covering 56% of the national population and targeting high-growth markets.
Operational Execution and Integration
Maintains robust risk management, disciplined capital allocation, and a moderate to low risk appetite, enabling agility during industry disruptions.
Integration teams from both acquired banks are actively involved, with leadership and talent retention prioritized to ensure smooth transitions.
System conversions for Veritex and Cadence are on track, with organizational decisions and notifications completed for over 5,000 employees.
Playbook for integration emphasizes local delivery, product expansion, and cultural alignment to drive post-conversion growth.
Successful integration of TCF and Veritex, with faster-than-expected earn-back periods and no dilution from Veritex due to elimination of CECL double count.
Financial Performance and Outlook
Peer-leading organic loan and deposit growth, with cumulative loan growth of 9.2% and deposit growth of 11.4% as of 3Q25.
Tangible book value per share increased 10.3% YoY to $9.54 in 3Q25, with a return on tangible common equity (ROTCE) of 16.7%.
FY25 guidance includes average loans of $124.5B, deposits of $155.1B, and net interest income of $5.398B.
Medium-term targets set at 6-9% PPNR CAGR and 18-19% ROTCE by 2027, with positive operating leverage.
Value-added fee businesses, including payments, wealth management, and capital markets, are growing at high single to low double digits.
Future M&A: What are the guardrails?
How to avoid integration distracting organic growth?
How are competitive dynamics changing in new markets?
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Next Huntington Bancshares earnings date
Q4 202522 Jan, 2026
Next Huntington Bancshares earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Ohio-Based Regional Bank
Huntington Bancshares Inc. is an American regional bank holding company. It primarily operates through its subsidiary, The Huntington National Bank, a regional bank with over 1000 locations spread across the midwest. The bank's services cater to a wide range of clients, from individuals and small businesses to corporations and other financial institutions. Huntington's offerings encompass traditional banking products like checking and savings accounts, as well as more specialized services such as wealth management, treasury management, and capital market services. It is headquartered in Columbus, Ohio, and its shares are listed on the Nasdaq.
Founded in the 1800s
In 1886 P.W. Huntington founded The Huntington National Bank in Columbus, Ohio. The bank was initially a small, local entity, focusing on serving the financial needs of the community. The company has grown from a small, local bank to a strong regional presence both organically as well as through numerous strategic acquisitions over the years. Today, the company is present in several different states across the Midwest and maintains a strong presence in its home state. Some other banks with a similar regional focus are Comerica, M&T Bank, and Fifth Third.
The Banking Services
The company offers a diverse array of banking operations primarily focused on personal, small business, and commercial banking services. In personal banking, Huntington provides a variety of essential services, including checking and savings accounts, personal loans, and mortgage services.
Small business banking is another important aspect of Huntington's operations. The bank supports small businesses with a range of products such as business checking and savings accounts, business credit cards, and lending services including lines of credit and term loans.
For commercial clients, Huntington's banking services are more extensive, encompassing commercial loans and financing options, treasury management, and other specialized financial services. These services are designed to support the complex needs of businesses, providing solutions for managing cash flow, financing growth, and optimizing financial operations.
Wealth Management Services
Huntington Bancshares Incorporated provides an array of wealth management services tailored to meet the needs of individuals, families, and institutions. Central to these services is private banking, offering high-net-worth clients personalized banking solutions, including specialized accounts and custom credit options. Huntington also offers diverse investment vehicles like stocks, bonds, and mutual funds, as well as retirement planning services.
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