Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 19

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 19
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 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 75225, and its telephone number at that location is (972) 349-6200.

#### The Merger and the Merger Agreement(pages33and60)
The terms and conditions of the merger are contained in the merger agreement, a copy of which is attached as

#### Annex A
to this proxy statement/prospectus. You are encouraged to read the merger agreement carefully and in its entirety, as it is the primary legal document that governs the merger.

Subject to the terms and conditions of the merger agreement, at the completion of the merger, 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.

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TABLE OF CONTENTS

Merger Consideration (page 61) In the merger, holders of Veritex common stock will receive 1.95 shares of Huntington common stock for each share of Veritex common stock they hold immediately prior to the effective time. Huntington will not issue any fractional shares of Huntington common stock in the merger. Holders of Huntington common stock who would otherwise be entitled to a fraction of a share of Huntington common stock in the merger will instead receive, for the fraction of a share, an amount in cash (rounded to the nearest cent) based on the Huntington share closing price. Huntington common stock is listed on the NASDAQ under the symbol “HBAN,” and Veritex common stock is listed on the NASDAQ under the symbol “VBTX.” The following table shows the closing sale prices of Huntington common stock and Veritex common stock as reported on the NASDAQ on July 11, 2025, the last full trading day before the public announcement of the merger agreement, and on August 14, 2025, the last practicable trading day before the date of this proxy statement/prospectus. This table also shows the implied value of