Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 58

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 58
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 of Huntington common stock after the merger may be affected by factors different from those affecting the shares of Cadence common stock or Huntington common stock currently .

In the merger, holders of Cadence common stock will become holders of Huntington common stock. Huntington’s business differs from that of Cadence. Accordingly, the results of operations of Huntington and the market price of Huntington common stock after the completion of the merger may be affected by factors different from those currently affecting the independent results of operations of each of Huntington and Cadence.

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For a discussion of the businesses of Huntington and Cadence and of certain factors to consider in connection with those businesses, see the documents incorporated by reference in this joint proxy statement/prospectus and referred to under “Where You Can Find More Information” beginning on page 162 .

The Huntington Parties and Cadence are expected to incur substantial costs related to the merger and integration. If the merger is not completed, Huntington and Cadence will have incurred substantial expenses without realizing the expected benefits of the merger .

The Huntington Parties and Cadence have incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions contemplated by the merger agreement. These costs include legal, financial advisory, accounting, consulting and other advisory fees, public company filing fees and other regulatory fees and financial printing and other related costs. Some of these costs are payable by either the Huntington Parties or Cadence regardless of whether or not the merger is completed. If the merger is not completed, the Huntington Parties and Cadence would have to recognize these expenses without realizing the expected benefits of the merger.

Following the consummation of the merger, Huntington is expected to incur substantial costs in connection with the related integration. There are a large number of processes, policies, procedures, operations, technologies and systems that may need to be integrated, including purchasing, accounting and finance, payroll, compliance, treasury management, branch operations, vendor management, risk management, lines of business, pricing and benefits. While Cadence and the Huntington Parties have assumed that a certain level of costs will be incurred, there are many factors beyond their control that could affect the total amount or the timing of the integration costs. Moreover, many of the costs that will be incurred are, by their nature, difficult to estimate accurately. These integration costs may result in Huntington taking charges against earnings following the completion of the merger, and the amount and timing of such charges are uncertain at present.

Combining the Huntington Parties and Cadence may be more difficult,