Company: HBAN
Filing Date: 2025-02-28
Form Type: S-3ASR
Source: 0001193125-25-042581
Chunk: 2

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-28
Form: S-3ASR
Chunk 2
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 supplement carefully before you invest in the securities described in the applicable prospectus supplement. This prospectus may not be used to consummate sales of securities unless accompanied by a prospectus supplement.

We may offer and sell these securities to or through one or more underwriters, dealers and agents or directly to purchasers on a continued or
delayed basis.

Our common stock is listed and traded on the Nasdaq Global Select Market (the “NASDAQ”) under the symbol
“HBAN.” Our depositary shares each representing 1/40th interest in a share of our 4.500% Series H Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, is listed and traded on the
NASDAQ under the symbol “HBANP.” Our depositary shares each representing 1/1,000th interest in a share of our 5.70% Series I Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, are
listed and traded on the NASDAQ under the symbol “HBANM.” Our depositary shares each representing 1/40th interest in a share of our 6.875% Series J Non-Cumulative Perpetual Preferred Stock, par value
$0.01 per share, are listed and traded on the NASDAQ under the symbol “HBANL.”

Investing in the offered securities involves risks. See “ Risk Factors” on page 3 of this prospectus.

These securities will be equity securities or unsecured obligations of the Issuer and will not be savings accounts, deposits, or other obligations of any of our bank or nonbank subsidiaries and will not be insured by the Federal Deposit Insurance Corporation, the deposit insurance fund or any other governmental agency or instrumentality.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The date of this prospectus is February 28, 2025.

TABLE OF CONTENTS

|                                       |     | Page |    |
| ABOUT THIS PROSPECTUS                 |     |      |  1 |
| RISK FACTORS                          |     |      |  3 |
| WHERE YOU CAN FIND MORE INFORMATION   |     |      |  4 |
| INFORMATION INCORPORATED BY REFERENCE |     |      |  5 |
| FORWARD-LOOKING STATEMENTS            |     |      |  6