Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 12

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 12
---
 Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share and liquidation value per share of $25,000 (the                                                                                                                                                                                                                                    |

S-4

| “Series I Preferred Stock”), (F) our 6.875% Series J Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share and liquidation value                                                                                        
 per share of $1,000 (the “Series J Preferred Stock”), and (G) each class or series of serial preferred stock we may issue in the future the terms of which expressly provide that such class or series will rank on a parity with the 
 Preferred Stock as to dividend rights and rights on our liquidation, winding-up and dissolution.                                                                                                                                      |

| Preemptive Rights | None. |

| Listing | None. |

| Use of Proceeds | We expect to receive net proceeds from this offering of approximately $740 million, after the deduction of the underwriting discount and estimated expenses payable by us. We intend to use the net proceeds of the offering for general 
 corporate purposes. The precise amounts and timing of the application of proceeds will depend on the requirements of Huntington and its subsidiaries and affiliates. See “Use of Proceeds.”                                              |

| Certain U.S. Federal Income Tax Considerations | For a discussion of certain U.S. federal income tax consequences of purchasing, owning, and disposing of the depositary shares, see “Certain U.S. Federal Income Tax Considerations.” |

| Risk Factors | See “Risk Factors” beginning on page S-6 of this prospectus supplement and the other information included or incorporated by reference in this prospectus supplement and the accompanying 
 prospectus for a discussion of factors you should consider carefully before deciding to invest in the depositary shares.                                                                  |

| Registrar and Depositary | Computershare Trust Company, N.A. and Computershare Inc. |

| Calculation Agent | We will appoint a calculation agent for the Preferred Stock prior to the First Reset Date. We may appoint ourselves or an affiliate of ours as calculation agent. |

| Conflicts of Interest | Huntington Securities, Inc., our subsidiary, is participating in this offering of the depositary shares as an underwriter. Accordingly, this offering is being conducted in compliance with the provisions of FINRA Rule 5121. Huntington Securities, 
 Inc. is not permitted to sell depositary shares in this offering to an account over which it exercises discretionary authority without the prior specific written approval of the customer to which the account relates. See “