Company: HBAN
Filing Date: 2025-09-11
Form Type: 424B2
Source: 0001193125-25-200581
Chunk: 66

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-09-11
Form: 424B2
Chunk 66
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 that the obligations of the underwriters to pay for and accept delivery of the depositary shares offered by this prospectus supplement and the accompanying prospectus are subject to the approval of certain legal matters by their counsel and to certain other conditions. The underwriters reserve the right to withdraw, cancel or modify offers to the public and to reject orders in whole or in part. The underwriters are obligated to take and pay for all of the depositary shares offered by this prospectus supplement and the accompanying prospectus if any shares are taken. If an underwriter defaults, the underwriting agreement provides that the purchase commitments of the non-defaultingunderwriters may be increased or the underwriting agreement may be terminated. We have agreed for a period from the date of this prospectus supplement through, and including, the date that is 30 days after the date hereof that we will not, without the prior written consent of the representatives, offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase or otherwise transfer or dispose of any of our securities that are substantially similar to the Preferred Stock or the depositary shares, including any securities that are convertible into or exchangeable for, or that represent rights to receive, Preferred Stock, depositary shares or substantially similar securities. The underwriters propose to offer some of the depositary shares directly to the public at the public offering price set forth on the cover page of this prospectus supplement and may offer some of the depositary shares to dealers at the public offering price less a concession not to exceed $6.00 per depositary share. In addition, the underwriters may allow, and those selected dealers may re-allow,a concession not to exceed $4.00 per depositary share to certain other dealers. After the initial offering of the depositary shares to the public, the representatives may change the public offering price, concession and discount. The following table shows the underwriting discount that we are to pay to the underwriters in connection with this offering.

|                      |     | Paid by Huntington Bancshares 
 Incorporated                  |       |
|:---------------------|:----|:------------------------------|------:|
| Per depositary share |     | $                             | 10.00 |

The expenses of this offering, not including the underwriting discount, will be approximately $3 million and are payable by us. S-41

Prior to this offering, there has been no public market for the depositary shares