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Huntington Bancshares (HBAN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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Huntington Bancshares (HBAN - Free Report) reported $2.86 billion in revenue for the quarter ended June 2026, representing a year-over-year increase of 42%. EPS of $0.39 for the same period compares to $0.38 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $2.85 billion, representing a surprise of +0.22%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.39.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Huntington Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 61.5% versus the two-analyst average estimate of 57.9%.
  • Regulatory Tier 1 risk-based capital ratio: 11.3% versus 11.6% estimated by two analysts on average.
  • Net charge-offs / Average total loans and leases: 0.3% versus 0.3% estimated by two analysts on average.
  • Average Balance - Total earning assets: $258.6 billion compared to the $262.14 billion average estimate based on two analysts.
  • Net Interest Margin (FTE): 3.2% versus the two-analyst average estimate of 3.2%.
  • Tier 1 Leverage Ratio: 8.8% versus 8.8% estimated by two analysts on average.
  • Wealth and asset management revenue: $134 million versus the two-analyst average estimate of $127 million.
  • Customer deposit and loan fees: $128 million versus $118.01 million estimated by two analysts on average.
  • Payments and cash management revenue: $204 million versus the two-analyst average estimate of $199.32 million.
  • Net interest income - FTE: $2.07 billion versus the two-analyst average estimate of $2.11 billion.
  • Mortgage banking income: $53 million versus $42.08 million estimated by two analysts on average.
  • Capital markets and advisory fees: $140 million versus $137.46 million estimated by two analysts on average.

View all Key Company Metrics for Huntington Bancshares here>>>

Shares of Huntington Bancshares have returned +3.9% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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