Huntington Bancshares Incorporated
Huntington Bancshares is a U.S. regional bank holding company that provides consumer, small-business, commercial, and specialty banking services through its Huntington National Bank franchise. It combines branch, digital, and relationship-based delivery with a broad product set that includes deposits, lending, payments, treasury management, mortgage banking, and wealth-related services.
Fiscal year 2025 · change from previous year
Development 2020–2025
Business
Share of revenueRetail and small-business banking products delivered through branches, digital channels, and national partnerships.
Lending, treasury, payments, capital markets, and specialty banking for mid-market to large corporate clients.
Advisory, trust, brokerage, insurance, and investment management services sold to affluent and business clients.
Unallocated funding, technology, operations, and other corporate items not assigned to core segments.
Products
Reported · share of revenue- Cards and Payment Processing Revenue39.2 %
- Trust and Investment Management Services Revenue26.1 %
- Service Charges Revenue16.0 %
- Capital Market Fees10.8 %
- Insurance Revenue5.2 %
- Other2.7 %
Source: 10-K FY2025, revenue the company reports per product line (SEC XBRL). Shares are of the lines shown and add up to 100 %.
Customers
Huntington serves consumers, small businesses, and mid-sized to large commercial clients across its core footprint and national specialty channels. Its commercial franchise targets middle-market, corporate, specialty, government, asset finance, commercial real estate, and national settlement customers, while the consumer franchise focuses on households and small businesses seeking everyday banking, lending, and payments. The bank also sells fee-based services such as merchant acquiring, treasury management, and wealth products to deepen relationships and increase wallet share.
Buy checking, savings, cards, mortgage, and consumer lending products for everyday banking and borrowing.
Buy deposits, credit, merchant services, ACH, and cash-management tools to run daily operations.
Buy lending, liquidity, treasury management, and payments solutions to support growth and working capital.
Buy commercial banking, capital markets, asset finance, and settlement services for more complex needs.
Buy trust, brokerage, insurance, and investment management services to manage assets and succession needs.
Strategy
Huntington’s strategy is to deepen customer relationships by cross-selling a broader set of banking, payments, and wealth products through a people-first, customer-centered operating model. Management is also focused on digital acquisition, national expansion, disciplined capital management, and maintaining a moderate-to-low risk appetite while pursuing profitable growth.
More products per customer improve retention, fee income, and relationship profitability.
Digital tools and new payment solutions help attract customers and defend against fintech competition.
A broader footprint supports growth in commercial banking and improves funding and relationship reach.
Geography
Huntington is primarily a U.S. bank with a regional footprint and a national commercial banking platform. The company emphasizes local delivery in its core markets while extending specialized products nationally through commercial, payments, and specialty finance channels. Its recent Cadence acquisition also expands its presence in the U.S. Southeast and adds scale in deposits and loans.
Risks
Huntington faces the usual bank risks from credit quality, interest-rate sensitivity, liquidity, and regulatory capital constraints, but its disclosures also highlight operational, cyber, and integration risk. Because the business depends on digital channels, third-party service providers, and acquisitions, failures in systems, controls, or integration can quickly affect customer trust, compliance, and earnings.
- Credit deterioration and allowance adequacyImpact: HighLikelihood: Medium
Loan losses can exceed reserves if macro conditions or portfolio performance worsen.
Exposure: Commercial and consumer loan portfolios
- Cybersecurity and operational disruptionImpact: HighLikelihood: Medium
Digital banking and third-party dependencies increase the chance that breaches or outages affect customers and operations.
Exposure - Acquisition and integration riskImpact: MediumLikelihood: Medium
Recent and future acquisitions can create dilution, execution risk, and customer or employee attrition.
Exposure: Cadence Merger and other M&A activity
- Interest-rate and funding pressureImpact: MediumLikelihood: Medium
Bank profitability depends on deposit costs, loan yields, and balance-sheet mix in changing rate environments.
Exposure: Net interest income and deposit franchise
Accounting
Judgemental itemsManagement estimates lifetime losses using models and economic assumptions, so reserve changes can move earnings materially.
Impact: Provision expense, net income, and capital
Reporting-unit fair values are sensitive to discount rates and growth assumptions, especially after acquisitions.
Impact: Potential non-cash impairment charges
Interest-rate swaps and floors are used to manage balance-sheet risk, and mark-to-market changes can affect volatility.
Impact: Earnings, OCI, and fair value disclosures
Revenue sharing and full expense allocation affect reported segment margins and comparability.
Impact: Consumer vs. Commercial segment profitability
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Last updated: 24/09/2026