Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 63

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 63
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 or agree to any condition or restriction in connection with obtaining these approvals, that would reasonably be likely to have a material adverse effect on the combined bank and its subsidiaries, taken as a whole, after giving effect to the merger. See the section entitled “The Merger—Regulatory Approvals” beginning on page 98 .

The unaudited pro forma combined financial information included in this joint proxy statement/prospectus is preliminary and the actual financial condition and results of operations of Huntington after the merger may differ materially .

The unaudited pro forma combined financial information in this joint proxy statement/prospectus is presented for illustrative purposes only and is not necessarily indicative of what Huntington’s actual financial condition or results of operations would have been had the merger been completed on the dates indicated. The unaudited pro forma combined financial information reflects adjustments, which are based upon preliminary estimates, to record the Cadence identifiable assets acquired and liabilities assumed at fair value, and to record the resulting goodwill recognized. The fair value estimates reflected in this joint proxy statement/prospectus are

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preliminary, and final amounts will be based upon the actual consideration paid and the fair value of the assets and liabilities of Cadence as of the date of the completion of the merger. Accordingly, the final acquisition accounting adjustments may differ materially from the pro forma adjustments reflected in this joint proxy statement/prospectus. For more information, see the section entitled “Unaudited Pro Forma Condensed Combined Financial Information” beginning on page 21 .

Certain of Cadence’s directors and executive officers have interests in the merger that may differ from, or be in addition to, the interests of holders of Cadence common stock generally .

Holders of Cadence common stock should be aware that some of Cadence’s directors and executive officers have interests in the merger that are different from, or in addition to, those of holders of Cadence common stock generally. These interests and arrangements may create potential conflicts of interest. The Cadence board of directors was aware of these interests and considered these interests, among other matters, when making its decision to approve the merger agreement, and in recommending that shareholders vote to approve the merger agreement, the Cadence compensation proposal and the Cadence adjournment proposal. For a more complete description of these interests, please see the section entitled “The Merger—Interests of Cadence’s Directors and Executive Officers in the Merger” beginning on page 91 .

Termination of the merger agreement