Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 82

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 82
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 NASDAQ under the symbol “HBANL.”

Investing in the offered securities involves risks. See “ Risk Factors” on page 3 of this prospectus.

These securities will be equity securities or unsecured obligations of the Issuer and will not be savings accounts, deposits, or other obligations of any of our bank or nonbank subsidiaries and will not be insured by the Federal Deposit Insurance Corporation, the deposit insurance fund or any other governmental agency or instrumentality.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The date of this prospectus is February 28, 2025.

TABLE OF CONTENTS

|                                       |     | Page |    |
| ABOUT THIS PROSPECTUS                 |     |      |  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 |

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ABOUT THIS PROSPECTUS This prospectus is part of a registration statement that we filed with the U.S. Securities and Exchange Commission (the “SEC”) using a “shelf” registration or continuous offering process. Under this shelf process, we, or, under certain circumstances, one or more selling security holders to be identified in the future may from time to time sell any combination of the securities described in this prospectus in one or more offerings. The following securities may be offered from time to time:

| • |     | common stock; |

| • |     | preferred stock; |

| • |     | depositary shares; |

| • |     | senior debt securities; |

| • |     | subordinated debt securities; |

| • |     | junior subordinated debt securities; |

| • |