Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 80

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 80
---
1.53%  |     | 1.54%   |     | 1.67%      |
| Nonperforming Assets / Loans + OREO      |     | 0.45%         |     | 1.07%              |     | 0.88%  |     | 1.02%   |     | 0.82%      |
| 2025Q1 Net Charge-Offs / Average Loans   |     | 0.26% | 0.20% |     | 0.49%              |     | 0.43%  |     | 0.45%   |     | 0.41%      |

| (1) | As applicable, first metric was as of or for the quarter ended March 31, 2025 and second metric was based on preliminary financials provided by Huntington management as of or for the quarter ended June 30, 2025. |

47

TABLE OF CONTENTS

In addition, KBW’s analysis showed the following concerning the market performance of Huntington and the selected companies (excluding the impact of the LTM dividend payout ratio of one (1) of the selected companies, which ratio was considered not meaningful):

|                                       |     |               |     | Selected Companies |     |        |     |         |     |            |
|                                       |     | Huntington(1) |     | 25th               
 Percentile         |     | Median |     | Average |     | 75th       
 Percentile |
| One-Year Stock Price Change           |     | 29.2%         |     | 19.7%              |     | 21.2%  |     | 21.8%   |     | 23.9%      |
| Year-to-Date Stock Price Change       |     | 6.9%          |     | 3.9%               |     | 6.0%   |     | 5.3%    |     | 7.3%       |
| Price / Tangible Book Value per Share |     | 1.98x | 1.90x |     | 1.42x              |     | 1.65x  |     | 1.71x   |     | 1.96x      |
| Price / 2025 EPS Estimate             |     | 12.1x         |     | 12.5x