Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 0

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 0
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Filed Pursuant to Rule 424(b)(2)
Registration No. 333-285441 PROSPECTUS SUPPLEMENT (To Prospectus Dated February 28, 2025) Huntington Bancshares Incorporated 750,000 Depositary Shares, Each Representing a 1/100th Interest in a Share of 6.250% Series K Non-CumulativePerpetual Preferred Stock Huntington Bancshares Incorporated is offering 750,000 depositary shares, each representing a 1/100th ownership interest in a share of 6.250% Series K Non-CumulativePerpetual Preferred Stock, par value $0.01 per share, with a liquidation preference of $100,000 per share (equivalent to $1,000 per depositary share) (the “Preferred Stock”). As a holder of depositary shares, you will be entitled to all proportional rights and preferences of the Preferred Stock (including dividend, voting, redemption, liquidation and other rights). You must exercise such rights through Computershare Trust Company, N.A. and Computershare Inc., jointly as the depositary for the shares of the Preferred Stock. Dividends on the Preferred Stock will be payable when, as and if authorized by our board of directors or a duly authorized committee of our board of directors and declared by us out of legally available funds. From the issue date to, but excluding, October 15, 2030, dividends on the Preferred Stock will accrue on a non-cumulativebasis at a rate of 6.250% per annum on the liquidation preference of $100,000 per share (equivalent to $1,000 per depositary share), payable quarterly, in arrears, on the fifteenth day of each January, April, July and October, commencing on January 15, 2026 and ending on October 15, 2030 (or the next business day if any such date is not a business day). From and including October 15, 2030, for each reset period, dividends on the Preferred Stock will accrue on a non-cumulativebasis at the five-year treasury rate as of the most recent reset dividend determination date (as defined elsewhere in this prospectus supplement) plus 2.653% for each reset period on the liquidation preference of $100,000 per share (equivalent to $1,000 per depositary share), payable quarterly, in arrears, on the fifteenth day of each January,