Company: HBAN
Filing Date: 2025-07-21
Form Type: S-4
Source: 0001140361-25-026508
Chunk: 54

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-21
Form: S-4
Chunk 54
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 savings deposit products which are tailored to meet the needs of small to medium-sized businesses and professionals. Veritex Community Bank operates banking centers located in the Dallas-Fort Worth metroplex and the Houston metropolitan area.

Veritex’s common stock is traded on the NASDAQ under the symbol “VBTX.”

Veritex’s principal office is located at 8214 Westchester Drive, Suite 800, Dallas, Texas 75255, and its telephone number at that location is (972) 349-6200. Additional information about Veritex and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus. See the section entitled “Where You Can Find More Information” beginning on page 109 .

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#### TABLE OF CONTENTS

### THE MERGER
This section of the proxy statement/prospectus describes material aspects of the merger. This summary may not contain all of the information that is important to you. You should carefully read this entire proxy statement/prospectus and the other documents we refer you to for a more complete understanding of the merger. In addition, we incorporate important business and financial information about each of us into this proxy statement/prospectus by reference. You may obtain the information incorporated by reference into this proxy statement/prospectus without charge by following the instructions in the section entitled “Where You Can Find More Information” beginning on page 109 .

#### Terms of the Merger
Each of Huntington’s and Veritex’s respective board of directors has approved the merger agreement. The merger agreement provides that Veritex will merge with and into Huntington, with Huntington as the surviving corporation. Following the completion of the merger, Veritex Community Bank, a Texas state-chartered bank and a wholly owned bank subsidiary of Veritex, will merge with and into The Huntington National Bank, a national bank and a wholly owned bank subsidiary of Huntington, with The Huntington National Bank as the surviving bank.

In the merger, each share of Veritex common stock issued and outstanding immediately prior to the effective time (other than certain shares held by Huntington or Veritex) will be converted into the right to receive 1.95 shares of Huntington common stock. No fractional shares of Huntington common stock will be issued in connection with the merger, and holders of Veritex common stock will be entitled to receive cash in lieu thereof.

Holders of Veritex common stock are being asked to approve the merger and the merger agreement. See the section entitled “The