Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 21

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 21
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 basis |                                                       |   |             — |   |     |   |           740 |   |
| Common stock, par value $0.01 per share, 2,250,000,000 authorized, 1,465,772,750 issued and                                                                                                        
 1,458,800,042 outstanding                                                                                                                                                                          |                                                       |   |            15 |   |     |   |            15 |   |
| Capital surplus                                                                                                                                                                                    |                                                       |   |        15,506 |   |     |   |        15,506 |   |
| Less treasury shares, at cost                                                                                                                                                                      |                                                       |   |           (87 | ) |     |   |           (87 | ) |
| Accumulated other comprehensive income (loss)                                                                                                                                                      |                                                       |   |        (2,246 | ) |     |   |        (2,246 | ) |
| Retained earnings                                                                                                                                                                                  |                                                       |   |         5,751 |   |     |   |         5,751 |   |
| Total Huntington shareholders’ equity                                                                                                                                                              |                                                       |   |        20,928 |   |     |   |        21,668 |   |
| Non-controlling interest                                                                                                                                                                           |                                                       |   |            42 |   |     |   |            42 |   |
| Total equity                                                                                                                                                                                       |                                                       |   |        20,970 |   |     |   |        21,710 |   |
| Total liabilities and equity                                                                                                                                                                       |                                                       | $ |       207,742 |   |     | $ |       208,482 |   |

S-11

USE OF PROCEEDS

We expect to receive net proceeds from this offering of approximately $740 million, after the deduction of the underwriting discount and
estimated expenses payable by us. We intend to use the net proceeds of the offering for general corporate purposes. The precise amounts and timing of the application of proceeds will depend on the requirements of Huntington and its subsidiaries and
affiliates.

S-12

DESCRIPTION OF THE PREFERRED STOCK

This prospectus supplement summarizes specific terms and provisions of the Preferred Stock. Terms that apply generally to our preferred stock
are described under “Description of Huntington Capital Stock—Preferred Stock.” The following summary of the terms and provisions of the Preferred Stock does not purport to be complete and is qualified in its entirety by reference
to the pertinent sections of our charter, including the articles supplementary classifying and designating