Huntington (HBAN) Q1 2026 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Mon, May 4, 2026 astatine 9:10 AM CDT 47 min read

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Date

Thursday, January 22, 2026 astatine 12:00 a.m. ET

Call participants

• Chairman, President, and Chief Executive Officer — Stephen D. Steinour

• Chief Financial Officer — Zachary J. Wasserman

• President, Consumer and Regional Banking — Brantley R. Standridge

• Chief Credit Officer — Brendan Lawlor

• Investor Relations — Eric Wasserstrom

• Operator

Full Conference Call Transcript

Stephen Steinour: Thanks, Eric. Good morning, and convey you for joining us. We delivered an outstanding archetypal 4th by each measures, driven by disciplined execution crossed the franchise that is translating into beardown profitability and returns. The indispensable question that we, our peers crossed the manufacture and our customers each look successful this infinitesimal is astir the outlook for the economy. So fto maine unfastened with our perspective. We're operating successful a dynamic planetary situation with geopolitical developments adding complexity to the outlook. We're watching these factors closely. And currently, we qualify conditions crossed our footprint arsenic remaining accordant with anterior quarters. We spot broad-based spot crossed commercialized extremity markets.

Our clients are taking a thoughtful semipermanent attack to decisions, and we're not seeing immoderate signs of a worldly displacement successful underlying demand. The user communicative is simply a spot much mixed with mediate and precocious income consumers continuing to walk successful a mode supportive of the wide economy, portion little income households proceed to consciousness unit from the cumulative impacts of inflation. Importantly, these factors bash not alteration our outlook for show this year. We delivered a beardown archetypal quarter. Pipelines for the 2nd 4th are steadfast and lawsuit enactment continues to beryllium steady. What differentiates Huntington successful this situation is the flexibility and resilience of our operating model.

We are a well-diversified superregional slope supported by beardown capital, liquidity and recognition fundamentals, and we are good positioned to execute successful a scope of scenarios. As we look ahead, we judge the steadfast is approaching an inflection constituent wherever beardown halfway performance, combined with the benefits of our caller partnerships, volition thrust higher returns and accelerate our net and tangible publication worth growth. There are 5 cardinal messages I'd similar to permission with you. First, we run a differentiated ace determination slope exemplary with aggregate maturation engines, and that exemplary is moving exceptionally well.

We've continued to put successful strategical areas, including our Carolinas expansion, the build-out of our vertical specialty businesses, partnerships with Cadence and Veritex and the Janney and TM Capital acquisitions, which volition enactment durable net procreation for years to come. Second, our halfway continues to execute precise well. Organic maturation remains the instauration of our strategy with beardown show crossed our businesses and geographies and standout results successful value-added interest services, including grounds superior markets show successful the archetypal quarter. Third, our equilibrium sheet, grounded successful our aggregate mean to debased hazard appetite provides america the assurance and flexibility to execute good successful an uncertain future.