Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 58

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 58
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#### TABLE OF CONTENTS

### RISK FACTORS
An investment by Cadence’s shareholders in Huntington common stock as a result of the exchange of shares of Huntington common stock for shares of Cadence common stock in the merger involves certain risks. Similarly, a decision on the part of Huntington shareholders to approve the issuance of Huntington common stock in connection with the merger also involves risks for the Huntington shareholders, who will continue to hold their shares of Huntington common stock after the merger. Certain material risks and uncertainties connected with the merger agreement and transactions contemplated thereby, including the merger, and ownership of Huntington common stock are discussed below. In addition, Huntington and Cadence discuss certain other material risks connected with the ownership of Huntington common stock and with Huntington’s business, and with the ownership of Cadence common stock and Cadence’s business, respectively, under the caption “Risk Factors” appearing in their Annual Reports on Form 10-K most recently filed by Huntington with the SEC and by Cadence with the Federal Reserve, and may include additional or updated disclosures of such material risks in its subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K that Huntington has filed with the SEC and that Cadence has filed with the Federal Reserve or may file with the SEC or Federal Reserve, as applicable, after the date of this joint proxy statement/prospectus, each of which reports is or will be incorporated by reference in this joint proxy statement/prospectus.

Holders of Cadence common stock and holders of Huntington common stock should carefully read and consider all of these risks and all other information contained in this joint proxy statement/prospectus, including the discussions of risk factors included in the documents incorporated by reference in this joint proxy statement/prospectus, in deciding whether to vote for approval of the various proposals for which they may be entitled to vote at the Cadence special meeting or the Huntington special meeting described herein. The risks described in this joint proxy statement/prospectus and in those documents incorporated by reference may adversely affect the value of Huntington common stock that you, as an existing Huntington shareholder, currently hold or that you, as an existing holder of Cadence common stock, will hold upon consummation of the merger, and could result in a significant decline in the value of Huntington common stock and cause the current holders of Huntington common stock and/or the holders of Cadence common stock to lose all or part of the value of their respective investments in Huntington common stock.

Because the market price of Huntington common stock will fluctuate