Company: HBAN
Filing Date: 2025-07-21
Form Type: S-4
Source: 0001140361-25-026508
Chunk: 31

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-07-21
Form: S-4
Chunk 31
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 your bank, broker, trustee or other nominee how to vote with respect to the Veritex merger proposal, it will have the same effect as a vote “AGAINST” the Veritex merger proposal. If you mark “ABSTAIN” on your proxy, fail to submit a proxy or vote at the Veritex special meeting via the Veritex special meeting website or fail to instruct your bank, broker, trustee or other nominee how to vote with respect to the Veritex compensation proposal or the Veritex adjournment proposal, your shares will not be deemed to be a vote cast with respect to the Veritex compensation proposal or the Veritex adjournment proposal and it will have no effect on such proposals.

#### 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 .

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#### 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 or may file with the SEC after the date of this proxy statement/prospectus, each of which reports is or will be incorporated by reference in this proxy statement/prospectus.

Holders of Veritex common stock should carefully read and consider all of these risks and all other information contained in this proxy statement/prospectus, including the discussions of risk factors included in the documents incorporated by reference in this proxy statement/prospectus, in deciding whether to vote for approval of the various proposals for which they may be entitled