Company: HBAN
Filing Date: 2025-08-15
Form Type: 424B3
Source: 0001140361-25-031511
Chunk: 64

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-08-15
Form: 424B3
Chunk 64
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 further growth and expansion in Texas; |

| • | the fact that, at or prior to the closing, Huntington will contribute $10 million to The Huntington Foundation, which amount will be dedicated to the markets in which Veritex operates; |

| • | the fact that Veritex by merging with Huntington will become part of a significantly larger, better capitalized financial institution with greater resources and a more diversified balance sheet, which will provide enhanced scale and financial strength to withstand changing economic cycles, market volatility and other challenges inherent to the banking industry, as well as a higher lending limit than Veritex would have if it were to continue its operations as an independent entity and this can drive organic growth; |

| • | the greater ability to grow in key target markets due to the access of significantly expanded resources as a result of the combined company, including with respect to a lower cost funding base which will facilitate loan portfolio growth; |

| • | the ability to improve and strengthen Veritex’s existing deposit base particularly with regard to Huntington’s stable, low-cost deposit base; |

| • | its knowledge of the current environment in the financial services industry, including economic conditions and the interest rate and regulatory environments, increased operating costs resulting from regulatory and compliance mandates, increasing competition from both banks and non-bank financial and financial technology firms, current financial market conditions and the likely effects of these factors on Veritex’s and the combined company’s potential growth, development, productivity and strategic options; |

| • | its views with respect to other strategic alternatives potentially available to Veritex, including continuing as a standalone company and a transformative transaction with another potential acquiror or merger partner, and its belief that a transaction with such other potential transaction partners would not deliver the financial and operational benefits that could be achieved in the proposed merger with Huntington or that such other potential partners currently were not interested in pursuing a transaction in the geographies in which Veritex was operating; |

| • | the exchange ratio in relation to the respective earnings contributions of Veritex and Huntington; |

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| • | Huntington’s past record of integrating acquisitions and of realizing expected financial and other benefits of such acquisitions; |

| • | the anticipated pro forma financial impact of the merger on the combined company, including earnings, earnings per share accretion, dividends, return on equity, tangible book value, asset quality, operational efficiency, liquidity and regulatory capital levels; |

| • | the expected cost synergies from the merger and the opportunities for meaningful revenue