Abstract
Huntington Bancshares will report fourth-quarter results on January 22, 2026 Pre-Market, and investors will watch guidance, margin resilience, and credit costs amid a stabilizing rate environment and moderating deposit betas.
Market Forecast
Consensus data and the company’s guidance framework imply that Huntington Bancshares’ current quarter revenue is estimated at 2.21 billion, up 16.92% year over year, with estimated EBIT of 0.88 billion, up 20.21% year over year, and estimated adjusted EPS of 0.37, up 17.03% year over year. Forecast detail for gross profit margin is not available, while the company’s net profit margin is commonly tracked via GAAP net margin; no explicit net margin forecast was provided. The main business highlights point to continued stabilization in core customer and regional banking revenue alongside disciplined expense control, with management focus on balance sheet mix and credit discipline. The most promising near-term segment is the Customer and Regional Banking franchise, which generated 1.45 billion last quarter and is positioned to benefit from steady loan demand and normalized deposit costs on a year-over-year basis.
Last Quarter Review
Huntington Bancshares last quarter delivered revenue of 2.15 billion, while reported gross margin was not disclosed; GAAP net profit attributable to the parent company reached 0.63 billion, translating to a net profit margin of 31.22%, and adjusted EPS was 0.41, up 24.24% year over year. Net profit rose 17.35% quarter on quarter, reflecting improving operating leverage and resilient fee income, supported by stable credit metrics. Main business results showed Customer and Regional Banking revenue of 1.45 billion and Commercial Banking revenue of 0.76 billion, partly offset by Treasury/Other at negative 0.08 billion; the core retail engine remained the key contributor, with continued diversification from commercial.
Current Quarter Outlook
Core Customer and Regional Banking
The core Customer and Regional Banking business remains the primary earnings engine this quarter. Management attention is centered on loan growth in consumer and small business, alongside maintaining stable deposit balances as competition for funding eases with a flatter forward rate curve. The margin outlook depends on the pace of deposit repricing, mortgage and card yields, and mix shift toward higher-return categories; operating discipline on fees and costs can sustain pre-provision profitability even if net interest income remains range-bound. With the last quarter’s revenue base of 1.45 billion, a moderate year-over-year uplift is achievable if deposit betas continue to moderate, noninterest income normalizes, and charge-offs remain contained, supporting the estimated EPS trajectory.
Commercial Banking and Fee Engines
Commercial Banking continues to provide diversification through middle-market lending, capital markets services, and treasury solutions. Loan utilization and new originations have shown signs of stabilization, aided by improving client sentiment and a pipeline for advisory and syndication revenues. The key swing factor is credit normalization in commercial real estate and C&I portfolios; a benign outcome supports steady risk-adjusted returns and preserves capital deployment flexibility. Expanding fee-income channels—payments, card, wealth, and treasury management—can cushion NII volatility, helping EBIT approach the 0.88 billion estimate if operating expenses remain contained and efficiency initiatives advance.
Capital, Credit, and Margin Dynamics—Share Price Drivers
The stock’s performance into and after the print will hinge on net interest margin trajectory, deposit costs, and credit losses. A stable net interest margin with improving deposit mix would underpin the 0.37 adjusted EPS estimate, while credible expense control enhances operating leverage. Credit remains a focal point as investors parse early-stage delinquencies and net charge-offs; confirmation of contained losses relative to prior guidance should support valuation. Capital ratios and any commentary on capital returns will influence sentiment; a cautiously constructive backdrop, with balanced loan growth and resilient fee income, frames expectations heading into January 22, 2026.
Analyst Opinions
Citing the most recent six-month research coverage, the majority of published opinions tilt constructive, with a predominance of positive previews over negative ones. Analysts point to earnings resilience from core banking and a measured recovery in fee lines as supportive of the quarter, while acknowledging that margin compression risks are easing as deposit competition cools. Well-followed brokerage previews highlight that year-over-year revenue growth near 16.92% and adjusted EPS near 0.37 could be met or modestly exceeded if credit costs track guidance and noninterest expense discipline persists. The bullish camp emphasizes a balanced risk-reward into the print, expecting steady operating performance and reiterating that a clearer path to stable NIM and controlled credit costs would be a positive catalyst; this is the majority view.Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
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