Company: HBAN
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000049196-25-000079
Chunk: 68

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 68
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8 1 Net income per common share—basic$0.41 $0.33 $0.08 24 $1.11 $0.90 $0.21 23 Net income per common share—diluted0.41 0.33 0.08 24 1.09 0.88 0.21 24 Cash dividends declared per common share0.155 0.155 — — 0.465 0.465 — — Return on average total assets1.19 %1.04 %1.09 %0.97 %Return on average common shareholders’ equity12.4 10.8 11.6 10.2 Return on average tangible common shareholders’ equity (1)17.8 16.2 16.9 15.5 Net interest margin (2)3.13 2.98 3.12 3.00 Efficiency ratio (3)57.4 59.4 58.4 61.2 Revenue and Net Interest Income—FTE (non-GAAP)Net interest income$1,506 $1,351 $155 11 %$4,399 $3,950 $449 11 %FTE adjustment (2)17 13 4 31 48 39 9 23 Net interest income, FTE (non-GAAP) (2)1,523 1,364 159 12 4,447 3,989 458 11 Noninterest income628 523 105 20 1,593 1,481 112 8 Total revenue, FTE (non-GAAP) (2)$2,151 $1,887 $264 14 %$6,040 $5,470 $570 10 %

(1)Net income applicable to common shares excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred taxes and calculated assuming a 21% tax rate.

(2)On an FTE basis assuming a 21% tax rate.

(3)Noninterest expense less amortization of