Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 66

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 66
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 of Huntington common stock and shares of Cadence common stock as of the date of this joint proxy statement/prospectus, or may alter such values and prices by the time the merger is completed. The opinions do not speak as of the time the merger will be completed or as of any date other than the dates of those opinions. See the section entitled “The Merger—Opinion of Huntington’s Financial Advisor” beginning on page 65 and the section entitled “The Merger—Opinion of Cadence’s Financial Advisor” beginning on page 75 .

### Risks Relating to Huntington’s Business
You should read and consider risk factors specific to Huntington’s business that will also affect Huntington after the merger. These risks are described in the sections entitled “Risk Factors” in Huntington’s Annual Report on Form 10-K most recently filed with the SEC and in other documents incorporated by reference into this joint proxy statement/prospectus. Please see the section entitled “Where You Can Find More Information” beginning on page 162 of this joint proxy statement/prospectus for the location of information incorporated by reference into this joint proxy statement/prospectus.

### Risks Relating to Cadence’s Business
You should read and consider risk factors specific to Cadence’s business that will also affect Huntington after the merger. These risks are described in the sections entitled “Risk Factors” in Cadence’s Annual Report on Form 10-K most recently filed with the Federal Reserve and in other documents incorporated by reference into this joint proxy statement/prospectus. Please see the section entitled “Where You Can Find More Information” beginning on page 162 of this joint proxy statement/prospectus for the location of information incorporated by reference into this joint proxy statement/prospectus.

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TABLE OF CONTENTS

THE HUNTINGTON SPECIAL MEETING This section contains information for holders of Huntington common stock about the special meeting that Huntington has called to allow holders of Huntington common stock to consider and vote on the merger agreement and other related matters. This joint proxy statement/prospectus is accompanied by a notice of the special meeting of holders of Huntington common stock and a form of proxy card that the Huntington board of directors is soliciting for exercise by the holders of Huntington common stock at the special meeting and at any postponements or adjournments of the special meeting. Date, Time and Place of the Meeting The Huntington special meeting will be held virtually via the Internet on January 6, 2026 at 11:00 a.m., Eastern