Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 38

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 38
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 to perform its respective covenants and agreements under the merger agreement or to consummate the transactions contemplated by the merger agreement on a timely basis. These restrictions could prevent Huntington and Veritex from pursuing certain business opportunities that arise prior to the effective time. See the section entitled “The Merger Agreement—Covenants and Agreements—Conduct of Businesses Prior to the Completion of the Merger” beginning on page 65 .

The opinion of Veritex’s financial advisor delivered to the Veritex board of directors prior to the signing of the merger agreement will not reflect changes in circumstances occurring after the date of such opinion.

The opinion of Veritex’s financial advisor was delivered on, and dated, July 13, 2025. Changes in the operations and prospects of Huntington and Veritex, general market and economic conditions and other factors which may be beyond the control of Huntington and Veritex may have altered the value of Huntington or Veritex or the prices of shares of Huntington common stock and shares of Veritex common stock as of the date of this proxy statement/prospectus, or may alter such values and prices by the time the merger is completed. The opinion does not speak as of the time the merger will be completed or as of any date other than the date of the opinion. See the section entitled “The Merger—Opinion of Veritex’s Financial Advisor” beginning on page 41 .**

### Risks Relating to Huntington’s Business
You should read and consider risk factors specific to Huntington’s business that will also affect the combined company after the merger. These risks are described in the sections entitled “Risk Factors” in Huntington’s Annual Report on Form 10-K most recently filed with the SEC and in other documents incorporated by reference into this proxy statement/prospectus. Please see the section entitled “Where You Can Find More Information” beginning on page 110 of this proxy statement/prospectus for the location of information incorporated by reference into this proxy statement/prospectus.

### Risks Relating to Veritex’s Business
You should read and consider risk factors specific to Veritex’s business that will also affect the combined company after the merger. These risks are described in the sections entitled “Risk Factors” in Veritex’s Annual

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#### TABLE OF CONTENTS
Report on Form 10-K most recently filed with the SEC and in other documents incorporated by reference into this proxy statement/prospectus. Please see the section entitled