Company: HBAN
Filing Date: 2025-10-28
Form Type: 425
Source: 0001140361-25-039508
Chunk: 0

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 425
Chunk 0
---
Filed by Huntington Bancshares Incorporated
pursuant to Rule 425 under the Securities Act of 1933
and deemed filed pursuant to Rule 14a-12
under the Securities Exchange Act of 1934 Subject Company: Cadence Bank
Commission File No.: 001-34073
Date: October 27, 2025 The following is a transcript of the analyst call held by Huntington Bancshares Incorporated (“Huntington”) in connection with the proposed transaction between Huntington and Cadence Bank.

Cadence Bank NYSE:CADE M&A Call Monday, October 27, 2025 12:30 PM GMT

| Copyright © 2025 S&P Global Market Intelligence, a division of S&P Global Inc. All rights reserved. | 1 |
| spglobal.com/marketintelligence                                                                     |   |

Contents Table of Contents

| Call Participants   | 3 |
| Presentation        | 4 |
| Question and Answer | 8 |

| COPYRIGHT © 2025 S&P Global Market Intelligence, a division of S&P Global Inc. All rights reserved. | 2 |
| spglobal.com/marketintelligence                                                                     |   |

CADENCE BANK M&A CALL OCT 27, 2025

Call Participants EXECUTIVES Brantley J. Standridge Senior EVP and President of Consumer
& Regional Banking Stephen D. Steinour Chairman, President & CEO Unknown Executive Zachary J. Wasserman CFO & Senior EVP ANALYSTS Erika Najarian UBS Investment Bank, Research
Division Jon Glenn Arfstrom RBC Capital Markets, Research
Division Kenneth Michael Usdin Bernstein Autonomous LLP Manan Gosalia Morgan Stanley, Research Division

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| spglobal.com/marketintelligence                                                                     |   |

CADENCE BANK M&A CALL OCT 27, 2025

Presentation Operator Greetings and welcome to the Huntington Bancshares Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. It's now my pleasure to turn the call over to Steve Steinour, Chairman and CEO. Please go ahead, Steve. Stephen D. Steinour Chairman, President & CEO Good morning, everyone, and thanks for joining. Joining me on the line today are Brant Standridge, our President of Consumer and Regional Banking; Zach Wasserman, Chief Financial Officer; and Brendan Lawlor, Chief Credit Officer. Before we begin, I'll ask you to note