Company: HBAN
Filing Date: 2025-12-01
Form Type: S-4/A
Source: 0001140361-25-043815
Chunk: 56

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-12-01
Form: S-4/A
Chunk 56
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 Cadence updates one or more forward-looking statements, no inference should be drawn that Huntington or Cadence will make additional updates with respect to those or other forward-looking statements. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.

For additional information about factors that could cause actual results to differ materially from those described in the forward-looking statements, please see the reports that Huntington has filed with the SEC and that Cadence has filed with the Federal Reserve, which have been furnished by Huntington to the SEC, as described under “Where You Can Find More Information” beginning on page 162 .

Huntington and Cadence expressly qualify in their entirety all forward-looking statements attributable to either of them or any person acting on their behalf by the cautionary statements contained or referred to in this joint proxy statement/prospectus.**

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#### TABLE OF CONTENTS

### RISK FACTORS
An investment by Cadence’s shareholders in Huntington common stock as a result of the exchange of shares of Huntington common stock for shares of Cadence common stock in the merger involves certain risks. Similarly, a decision on the part of Huntington shareholders to approve the issuance of Huntington common stock in connection with the merger also involves risks for the Huntington shareholders, who will continue to hold their shares of Huntington common stock after the merger. Certain material risks and uncertainties connected with the merger agreement and transactions contemplated thereby, including the merger, and ownership of Huntington common stock are discussed below. In addition, Huntington and Cadence discuss certain other material risks connected with the ownership of Huntington common stock and with Huntington’s business, and with the ownership of Cadence common stock and Cadence’s business, respectively, under the caption “Risk Factors” appearing in their Annual Reports on Form 10-K most recently filed by Huntington with the SEC and by Cadence with the Federal Reserve, and may include additional or updated disclosures of such material risks in its subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K that Huntington has filed with the SEC and that Cadence has filed with the Federal Reserve or may file with the SEC or Federal Reserve, as applicable, after the date of this joint proxy statement/prospectus, each of which reports is or will be incorporated by reference in this joint proxy statement/prospectus. The aforementioned filings of Cadence with the Federal Reserve have been furnished to the SEC as exhibits to Huntington's Current Report on Form 8-K filed with the SEC on December 1,