Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 29

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 29
---
 and the Veritex board of directors have received demand letters from purported stockholders of Veritex, generally alleging that the registration statement filed with the SEC on July 21, 2025, omits material information. The shareholders have demanded disclosure of certain additional information pertaining to certain financial projections of Veritex and Huntington, information with respect to KBW's analysis and other requested disclosure. Please see the section of this proxy statement/prospectus titled “Risk Factors—Since the initial filing on July 21, 2025, of the registration statement of which this proxy statement/prospectus is a part, Veritex and the Veritex board of directors have received demand letters from purported stockholders of Veritex, which could result in litigation relating to the merger being filed against, Veritex, the board of directors of Veritex, and/or Huntington and the board of directors of Huntington, and additional demand letters may be received or litigation may be filed against them, which could prevent or delay the completion of the merger or otherwise negatively impact the business and operations of Huntington and Veritex” on page 19 of this proxy statement/prospectus for more information. Veritex believes the allegations in the demand letters are without merit.

#### Risk Factors(page16)
In evaluating the merger agreement and the merger, including the issuance of shares of Huntington common stock in the merger, you should carefully read this proxy statement/prospectus and give special consideration to the factors discussed in the section entitled “Risk Factors” beginning on page 16 .

<div align='center'>15</div>

#### TABLE OF CONTENTS

### RISK FACTORS
**An investment by Veritex’s shareholders in Huntington common stock as a result of the exchange of shares of Huntington common stock for shares of Veritex common stock in the merger involves certain risks. Certain material risks and uncertainties connected with the merger agreement and transactions contemplated thereby, including the merger and bank merger, and ownership of Huntington common stock are discussed below. In addition, Huntington and Veritex discuss certain other material risks connected with the ownership of Huntington common stock and with Huntington’s business, and with the ownership of Veritex common stock and Veritex’s business, respectively, under the caption “Risk Factors” appearing in their Annual Reports on Form 10-K most recently filed with the SEC 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 each has filed with the SEC