Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 3

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 3
---
 |  1 |
| RISK FACTORS                          |     |      |  3 |
| WHERE YOU CAN FIND MORE INFORMATION   |     |      |  4 |
| INFORMATION INCORPORATED BY REFERENCE |     |      |  5 |
| FORWARD-LOOKING STATEMENTS            |     |      |  6 |
| HUNTINGTON BANCSHARES INCORPORATED    |     |      |  7 |
| SECURITIES WE MAY OFFER               |     |      |  8 |
| USE OF PROCEEDS                       |     |      | 10 |
| PLAN OF DISTRIBUTION                  |     |      | 11 |
| LEGAL MATTERS                         |     |      | 12 |
| EXPERTS                               |     |      | 13 |

S-i

ABOUT THIS PROSPECTUS SUPPLEMENT

This document consists of two parts. The first part is this prospectus supplement, which describes the specific terms of this offering. The
second part is the prospectus, which describes more general information, some of which may not apply to this offering. You should read both this prospectus supplement and the accompanying prospectus, together with additional information described
below under the heading “Where You Can Find More Information.”

Unless otherwise mentioned or unless the context requires
otherwise, all references in this prospectus supplement to “Huntington,” “we,” “us,” “our,” the “Issuer” or similar references mean Huntington Bancshares Incorporated, a Maryland
corporation, and its successors and include our consolidated subsidiaries only where specifically so stated. When we refer to the “Bank” in this document, we mean our only bank subsidiary, The Huntington National Bank, and its
subsidiaries.

If the information set forth in this prospectus supplement differs in any way from the information set forth in the
accompanying prospectus, you should rely on the information set forth in this prospectus supplement.

Currency amounts in this prospectus
supplement are stated in U.S. dollars.

We have not, and the underwriters and their affiliates and agents have not, authorized any person
to provide any information or represent anything about us other than what is contained or incorporated by reference in this prospectus supplement or the accompanying prospectus or in any free writing prospectus prepared by or on behalf of us or to
which we have referred you. We do not, and the underwriters and their affiliates and agents do not, take any responsibility