Company: HBAN
Filing Date: 2025-11-13
Form Type: S-4
Source: 0001140361-25-041757
Chunk: 86

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-11-13
Form: S-4
Chunk 86
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 and mortgage products and services to meet the needs of individuals, businesses and corporations. Cadence operates more than 390 commercial banking and mortgage locations in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, Tennessee and Texas. As of September 30, 2025, Cadence had total assets of $53.3 billion; total loans, net of unearned income, of $36.8 billion; total deposits of $43.9 billion; and shareholders’ equity of $6.1 billion.

Cadence’s common stock and series A preferred stock are traded on the New York Stock Exchange (the “NYSE”) under the symbols “CADE” and “CADE-PrA,” respectively.

Cadence’s principal office is located at One Mississippi Plaza, 201 South Spring Street, Tupelo, Mississippi 38804, and its telephone number at that location is (662) 680-2000. Additional information about Cadence and its subsidiaries is included in documents incorporated by reference in this joint proxy statement/prospectus. See the section entitled “Where You Can Find More Information” beginning on page 162 .

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#### TABLE OF CONTENTS

### THE MERGER
This section of the joint proxy statement/prospectus describes material aspects of the merger. This summary may not contain all of the information that is important to you. You should carefully read this entire joint proxy statement/prospectus and the other documents we refer you to for a more complete understanding of the merger. In addition, we incorporate important business and financial information about each of us into this joint proxy statement/prospectus by reference. You may obtain the information incorporated by reference into this joint proxy statement/prospectus without charge by following the instructions in the section entitled “Where You Can Find More Information” beginning on page 162 .

#### Terms of the Merger
Each of Huntington’s and Cadence’s respective board of directors has approved the merger agreement. The merger agreement provides that Cadence will merge with and into Huntington National Bank, a wholly owned bank subsidiary of Huntington, with Huntington National Bank as the surviving bank.

In the merger, each share of Cadence common stock issued and outstanding immediately prior to the effective time (other than certain shares held by Huntington or Cadence) will be converted into the right to receive 2.475 shares of Huntington common stock. No fractional shares of Huntington common stock will be issued in connection with the merger, and holders of Cadence common stock will be entitled to receive cash in