Company: HBAN
Filing Date: 2025-08-08
Form Type: S-4/A
Source: 0001140361-25-029894
Chunk: 2

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-08
Form: S-4/A
Chunk 2
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. Securities and Exchange Commission. These securities may not be issued until the registration statement filed with the U.S. Securities and Exchange Commission is effective. This proxy statement/prospectus does not constitute an offer to sell or the solicitation of offers to buy these securities in any jurisdiction where the offer or sale is not permitted.PRELIMINARY—SUBJECT TO COMPLETION—DATED AUGUST 8, 2025

To the Shareholders of Veritex Holdings, Inc. MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT On behalf of the board of directors of Veritex Holdings, Inc. (“Veritex”), we are pleased to enclose the accompanying proxy statement/prospectus relating to the merger of Veritex with and into Huntington Bancshares Incorporated (“Huntington”). We are requesting that you take certain actions as a holder of shares of common stock of Veritex, par value $0.01 per share (“Veritex common stock”) (a “Veritex shareholder”). The boards of directors of Veritex and Huntington have each approved, by the unanimous vote of the directors present, an Agreement and Plan of Merger, dated as of July 13, 2025, by and between Veritex and Huntington (as amended from time to time, the “merger agreement”), pursuant to which Veritex will merge with and into Huntington (the “merger”), with Huntington as the surviving corporation. In the merger, holders of Veritex common stock will receive 1.95 shares (the “exchange ratio” and such shares, the “merger consideration”) of Huntington common stock, par value $0.01 per share (“Huntington common stock”), for each share of Veritex common stock they own. Based on the closing price of Huntington common stock on the Nasdaq Global Select Market (the “NASDAQ”) on July 11, 2025, the last trading day before public announcement of the merger, of $17.39, the exchange ratio represented approximately $33.91 in value for each share of Veritex common stock. Based on the closing price of Huntington common stock on the NASDAQ on [ ], 2025, the last practicable trading day before the date of this proxy statement/prospectus, of $[ ], the exchange ratio represented approximately $[ ] in value for each share of Veritex common stock. The value of the Huntington common stock at the time of completion of the merger could be greater than, less than