Huntington (HBAN) Q2 2025 Earnings Call Transcript
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Management confirmed the Veritex acquisition as a transformative step for Huntington Bancshares (NASDAQ:HBAN), projecting significant expansion in Texas through deepening commercial and consumer relationships and rapid franchise build-out. Commercial banking performance was highlighted by new market initiatives, particularly in Texas and the Carolinas, with national specialty groups such as the Financial Institutions Group and Funds Finance driving incremental loan growth. Growing fee income mix in payments, wealth management, and capital markets signals increased contribution from value-added services to overall revenue, with commercial payment revenues up 18% year over year. Deposit franchise strength was reinforced by household growth and controlled pricing, while liquidity buffers remained robust, with coverage of uninsured deposits at two times. Strategic capital management focused on supporting high-return loan growth and driving adjusted CET1 higher within the target range was emphasized.
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