Company: HBAN
Filing Date: 2025-08-08
Form Type: S-4/A
Source: 0001140361-25-029894
Chunk: 8

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-08
Form: S-4/A
Chunk 8
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 Agreement                |     |  75 |
| Governing Law                                                          |     |  76 |
| Specific Performance                                                   |     |  76 |
| MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER            |     |  77 |
| Tax Consequences of the Merger Generally                               |     |  78 |
| Information Reporting and Backup Withholding                           |     |  79 |
| DESCRIPTION OF HUNTINGTON CAPITAL STOCK                                |     |  80 |
| COMPARISON OF SHAREHOLDERS’ RIGHTS                                     |     |  93 |
| LEGAL MATTERS                                                          |     | 108 |
| EXPERTS                                                                |     | 108 |
| DEADLINES FOR SUBMITTING SHAREHOLDER PROPOSALS                         |     | 109 |
| WHERE YOU CAN FIND MORE INFORMATION                                    |     | 110 |

| Annex A |     | Agreement and Plan of Merger, dated as of July 13, 2025, by and between Huntington Bancshares Incorporated and Veritex Holdings, Inc. |     | A-1 |
|:--------|:----|:--------------------------------------------------------------------------------------------------------------------------------------|:----|:----|
| Annex B |     | Opinion of Keefe, Bruyette & Woods, Inc.                                                                                              |     | B-1 |

ii

TABLE OF CONTENTS

QUESTIONS AND ANSWERS The following are some questions that you may have about the merger and the Veritex special meeting, and brief answers to those questions. We urge you to read carefully the remainder of this proxy statement/prospectus because the information in this section does not provide all of the information that might be important to you with respect to the merger and the Veritex special meeting. Additional important information is also contained in the documents incorporated by reference into this proxy statement/prospectus. See the section entitled “Where You Can Find More Information” beginning on page 110. In this proxy statement/prospectus, unless the context otherwise requires:

| • | “Huntington”refers to Huntington Bancshares Incorporated; |

| • | “Huntington common stock”refers to the common stock, par value $0.01 per share, of Huntington; |

| • | “Veritex”refers to Veritex Holdings, Inc.; and |

| • | “Veritex common stock”refers to the common stock, par value $0.01 per share, of Veritex