# EDGAR Filing Document

**Accession Number:** 0000049196
**File Stem:** 0001140361-25-038636
**Filing Date:** 2025-10
**Character Count:** 43663
**Document Hash:** b2957af5342ca3db12134e6b79409a82
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001140361-25-038636.hdr.sgml**: 20251020

**ACCESSION NUMBER**: 0001140361-25-038636

**CONFORMED SUBMISSION TYPE**: S-8 POS

**PUBLIC DOCUMENT COUNT**: 5

**FILED AS OF DATE**: 20251020

**DATE AS OF CHANGE**: 20251020

**EFFECTIVENESS DATE**: 20251020

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HUNTINGTON BANCSHARES INC /MD/
- **CENTRAL INDEX KEY:** 0000049196
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 310724920
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** S-8 POS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-288793
- **FILM NUMBER:** 251403387

**BUSINESS ADDRESS:**
- **STREET 1:** HUNTINGTON CTR
- **STREET 2:** 41 S HIGH ST HC0917
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43287
- **BUSINESS PHONE:** 6144802265

**MAIL ADDRESS:**
- **STREET 1:** HUNTINGTON CENTER
- **STREET 2:** 41 S HIGH ST HC0917
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43287

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HUNTINGTON BANCSHARES INC/MD
- **DATE OF NAME CHANGE:** 19920703

#### As filed with the Securities and Exchange Commission on October 20, 2025

Registration No. 333-288793

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### <br>

### POST-EFFECTIVE AMENDMENT ON FORM S-8

### TO REGISTRATION STATEMENT ON FORM S-4

#### under

#### THE SECURITIES ACT OF 1933

#### <br>

## Huntington Bancshares Incorporated

#### (Exact name of registrant as specified in its charter)

---

| | |
|:---|:---|
| **Maryland** | **31-0724920** |
| **(State or other jurisdiction of incorporation or organization)** | **(I.R.S. Employer Identification No.)** |

---

---

| | |
|:---|:---|
| **41 South High Street**<br> **Columbus, Ohio** | **43287** |
| **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

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#### Veritex Holdings, Inc. First Amended 2010 Stock Option and Equity Incentive Plan

#### 2014 Omnibus Incentive Plan for Veritex Holdings, Inc.

#### 2019 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc.

#### 2022 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc.

#### 2025 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc.
(Full title of the Plans)

------

#### Marcy C. Hingst

#### Senior Executive Vice President, General Counsel

#### Huntington Bancshares Incorporated

#### 41 South High Street

#### Columbus, Ohio 43287
(614) 480-2265

#### (Name, address and telephone number of agent for service)

------

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 under the Exchange Act.

Large accelerated filer ☒ Accelerated filer ☐ <br> Non-accelerated filer ☐ Smaller reporting company ☐ <br> Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.

------

#### EXPLANATORY NOTE
Huntington Bancshares Incorporated ("Huntington" or the "Registrant"), hereby amends its registration statement on Form S-4 (File No. 333-288793) filed with the Securities and Exchange Commission (the "Commission") on July 21, 2025, as amended by the pre-effective Amendment No. 1 thereto filed with the Commission on August 8, 2025 (the "Form S-4"), which the Commission declared effective at 5:00 p.m. Eastern Time on August 12, 2025, by filing this Post-Effective Amendment No. 1 on Form S-8 (this "Post-Effective Amendment" and together with the Form S-4, this "Registration Statement").

Huntington filed the Form S-4 in connection with the merger (the "Merger") contemplated by the Agreement and Plan of Merger by and between Huntington and Veritex Holdings, Inc., a Texas corporation ("Veritex"), dated July 13, 2025 (the "Merger Agreement"), pursuant to which, effective as of October 20, 2025, Veritex merged with and into Huntington, with Huntington as the surviving corporation in the Merger.

As a result of the Merger, each issued and outstanding share of common stock, par value $0.01 per share, of Veritex was converted automatically into 1.95 shares (the "Exchange Ratio") of common stock, par value $0.01 per share, of Huntington ("Huntington common stock").

Pursuant to the terms of the Merger Agreement, certain outstanding Veritex equity awards, other than Veritex stock options and vested or unvested Veritex restricted stock awards held by non-employee directors, in each case granted or outstanding under the Veritex Holdings, Inc. First Amended 2010 Stock Option and Equity Incentive Plan, the 2014 Omnibus Incentive Plan for Veritex Holdings, Inc., the 2019 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc., the 2022 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc. and the 2025 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc. (collectively, the "Veritex Equity Plans") were converted into a corresponding award in respect of Huntington common stock (the "Huntington Awards"), with appropriate adjustments to reflect the application of the Exchange Ratio and pursuant to the terms and conditions of the Merger Agreement.

The Registrant hereby amends the Form S-4 by filing this Post-Effective Amendment relating to 4,946,495 shares of Huntington common stock issuable upon the exercise or settlement, as applicable, of the Huntington Awards under the Veritex Equity Plans. All such shares were previously registered on the Form S-4 but will be subject to issuance pursuant to this Post-Effective Amendment.

#### PART I

#### INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
The information to be specified in Item 1 and Item 2 of Part I of this Registration Statement is omitted from this filing in accordance with the provisions of Rule 428 under the Securities Act and the introductory note to Part I of Form S-8. The documents containing the information to be specified in Part I will be delivered to the holders as required by Rule 428(b)(1).

#### PART II

#### INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
**Item 3.** **Incorporation of Documents by Reference.**<br>

The following documents filed with the Commission by the Registrant are hereby incorporated into this Registration Statement by reference (other than information in such filings deemed, under Commission rules or otherwise, not to have been filed with the Commission):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. the Registrant's Annual Report on Form 10-K for the year ended December 31, 2024, filed with the Commission on [February 14, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000020/hban-20241231.htm) (the "Annual
 Report");

------

2. the Registrant's Current Reports on Form 8-K filed with the Commission on [March 31, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000026/hban-20250331.htm), [April 17, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000032/hban-20250417.htm), [June 27, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000050/hban-20250627.htm), [July 17, 2025](https://www.sec.gov/Archives/edgar/data/49196/000114036125026238/ef20052023_8k.htm), [July 18, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000059/hban-20250718.htm), [September 11, 2025](https://www.sec.gov/Archives/edgar/data/49196/000119312525201383/d947096d8k.htm), [September 12, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000073/hban-20250912.htm), [October 3, 2025](https://www.sec.gov/Archives/edgar/data/49196/000114036125037252/ef20055353_8k.htm) and [October 20, 2025](https://www.sec.gov/ix?doc=/Archives/edgar/data/49196/000114036125038574/ef20057398_8k.htm) (other than the portions of those documents not deemed to be filed);

3. the Registrant's Quarterly Report on Form 10-Q for the quarterly periods ended March 31, 2025, (filed with the Commission on [April 29, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000038/hban-20250331.htm)) and June 30, 2025 (filed with the Commission on [July 29, 2025](https://www.sec.gov/Archives/edgar/data/49196/000004919625000063/hban-20250630.htm));

<br> 4. all other reports filed by the Registrant pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act") since the end of the fiscal year covered by the Annual Report; and

<br> 5. the description of the Registrant's common stock contained in the Form S-4 and any amendments or reports filed for the purposes of updating such description.

In addition, all documents filed by the Registrant pursuant to Sections 13(a), 13(c), 14, and 15(d) of the Exchange Act, subsequent to the date of this Registration Statement (other than information in such filings deemed, under Commission rules or otherwise, not to have been filed with the Commission), prior to the filing of a post-effective amendment to this Registration Statement that indicates that all securities offered have been sold or that deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of filing of such documents.

Any statement contained in this Registration Statement or in a document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained or incorporated by reference herein or in any subsequently filed document that is deemed to be incorporated by reference herein modifies or supersedes such statement. Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement.

**Item 4.** **Description of Securities.**<br>

Not applicable.

**Item 5.** **Interests of Named Experts and Counsel.**<br>

Not applicable.

**Item 6.** **Indemnification of Directors and Officers.**<br>

The Maryland General Corporation Law (the "MGCL") permits a Maryland corporation to include in its charter a provision limiting the liability of its directors and officers to the corporation and its shareholders for money damages except for liability resulting from (a) actual receipt of an improper benefit or profit in money, property or services or (b) active and deliberate dishonesty established by a final judgment as being material to the cause of action. Huntington's charter provides that to the fullest extent permitted by Maryland statutory or decision law, as amended or interpreted, its directors and officers are not personally liable to Huntington or its shareholders for money damages.

------

Huntington's charter provides that it will indemnify its directors to the fullest extent under the general laws of the State of Maryland now or thereafter in force, including the advance of expenses to directors subject to procedures provided by such laws, its officers to the same extent it will indemnify its directors, and its officers who are not directors to such further extent as will be authorized by the Huntington board of directors and be consistent with Maryland law. Huntington's bylaws provide that to the maximum extent permitted by Maryland law in effect from time to time, Huntington will indemnify and, without requiring a preliminary determination of the ultimate entitlement to indemnification, will pay or reimburse reasonable expenses in advance of final disposition of a proceeding to (a) any individual who is a present or former director of Huntington and who is made or threatened to be made a party or a witness to the proceeding by reason of his or her service in that capacity, (b) any individual who is a present or former officer of Huntington and who is made or threatened to be made a party to the proceeding by reason of his or her service in that capacity or (c) any individual who, while a director or officer of Huntington and at the request of Huntington, serves or has served as a director, officer, partner, trustee, member or manager of another corporation, real estate investment trust, limited liability company, partnership, joint venture, trust, employee benefit plan or other enterprise and who is made or threatened to be made a party to, or witness in, the proceeding by reason of his or her service in that capacity. The rights to indemnification and advance of expenses provided by the Huntington charter and Huntington bylaws vest immediately upon election of a director or officer. Huntington may, with the approval of the Huntington board of directors, provide such indemnification and advance for expenses to (i) an individual who served a predecessor of Huntington in any of the capacities described in clauses (a), (b) or (c) above, (ii) any individual who is a present or former officer of Huntington and who is made or threatened to be made a witness to the proceeding by reason of his or her service in that capacity and (iii) any employee or agent of Huntington or a predecessor of Huntington.

Section 2-418 of the MGCL provides that a Maryland corporation may indemnify any present or former director or officer or any individual who, while a director or officer of the corporation and at the request of the corporation, has served another enterprise as a director, officer, partner, trustee, employee or agent who is made a party to any proceeding by reason of service in that capacity against judgments, penalties, fines, settlements and reasonable expenses actually incurred by the director or officer in connection with the proceeding, unless it is proved that (a) the act or omission of the director or officer was material to the matter giving rise to the proceeding and (i) was committed in bad faith or (ii) was the result of active and deliberate dishonesty; (b) the director or officer actually received an improper personal benefit in money, property, or services; or (c) in the case of any criminal proceeding, the director or officer had reasonable cause to believe that the act or omission was unlawful. Notwithstanding the above, a director or officer may not be indemnified in respect of any proceeding, by or in the right of the corporation, in which such director or officer will have been adjudged liable to the corporation or in respect of any proceeding charging improper receipt of a personal benefit (except as described below). In addition, a corporation may not indemnify a director or officer or advance expenses for a proceeding brought by that director or officer against the corporation, except for a proceeding brought to enforce indemnification, or unless the charter, bylaws, resolution of the board of directors, or an agreement approved by the board of directors expressly provides otherwise. Termination of any proceeding by judgment, order or settlement does not create a presumption that the director or officer did not meet the requisite standard of conduct. Termination of any proceeding by conviction, plea of nolo contendere or its equivalent, or entry of an order of probation prior to judgment, creates a rebuttable presumption that the director or officer did not meet the requisite standard of conduct. Indemnification is not permitted unless authorized for a specific proceeding, after a determination that indemnification is permissible because the requisite standard of conduct has been met (1) by a majority vote of a quorum consisting of directors not, at the time, parties to the proceeding (or a majority of a committee of one or more such directors designated by the full board); (2) by special legal counsel selected by the board of directors by vote as described in clause (1) of this paragraph (or a committee thereof); or (3) by the shareholders (other than shareholders who are also directors or officers who are parties to the proceeding).

Section 2-418 of the MGCL provides that a present or former director or officer who has been successful, on the merits or otherwise, in the defense of any proceeding will be indemnified against reasonable expenses incurred by the director or officer in connection with the proceeding. A court of appropriate jurisdiction upon application of a director or officer and such notice as the court will require may order indemnification in the following circumstances: (1) if it determines a director or officer is entitled to reimbursement pursuant to a director's or officer's success, on the merits or otherwise, in the defense of any proceeding, the court will order indemnification, in which case the director or officer will be entitled to recover the expenses of securing such reimbursement; or (2) if it determines that a director or officer is fairly and reasonably entitled to indemnification in view of all the relevant circumstances, the court may order such indemnification as the court deems proper. However, indemnification with respect to any proceeding by or in the right of the corporation or in which liability has been adjudged in the case of a proceeding charging improper personal benefit to the director or officer, will be limited to expenses.

The reasonable expenses incurred by a director or officer who is a party to a proceeding may be paid or reimbursed by the corporation in advance of the final disposition of the proceeding upon receipt by the corporation of both a written affirmation by the director or officer of his or her good faith belief that the standard of conduct necessary for indemnification by the corporation has been met, and a written undertaking by or on behalf of the director or officer to repay the amount if it is ultimately determined that the standard of conduct has not been met.

------

The indemnification and advancement of expenses provided or authorized by Section 2-418 of the MGCL are not exclusive of any other rights to which a director or officer may be entitled both as to action in his or her official capacity and as to action in another capacity while holding such office.

Pursuant to Section 2-418 of the MGCL, a corporation may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the corporation, or who, while serving in such capacity, is or was at the request of the corporation serving as a director, officer, partner, trustee, employee or agent of another corporation or legal entity or of an employee benefit plan, against any liability asserted against and incurred by such person in any such capacity or arising out of such person's position, whether or not the corporation would have the power to indemnify against liability under Section 2-418. A corporation may provide similar protection, including a trust fund, letter of credit or surety bond, which is not inconsistent with Section 2-418. A subsidiary or an affiliate of the corporation may provide the insurance or similar protection.

Subject to certain exceptions, the directors and officers of Huntington and its affiliates are insured (subject to certain maximum amounts and deductibles) in each policy year because of any claim or claims made against them by reason of their wrongful acts while acting in their capacities as such directors or officers or while acting in their capacities as fiduciaries in the administration of certain of Huntington's employee benefit programs. Huntington is insured, subject to certain retentions and exceptions, to the extent it indemnifies the directors and officers for such loss.

**Item 7.** **Exemption from Registration Claimed.**<br>

Not applicable.

**Item 8.** **Exhibits.**<br>

---

| | |
|:---|:---|
| **Exhibit**<br> **Number**<br>| Description |
| [4.1](https://www.sec.gov/Archives/edgar/data/49196/000004919619000005/hban-2019x01x16x8kxex31.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on January 22, 2019). |
| [4.2](https://www.sec.gov/Archives/edgar/data/49196/000004919619000005/hban-2019x01x16x8kxex32.htm) | Articles of Restatement of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.2 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on January 22, 2019). |
| [4.3](https://www.sec.gov/Archives/edgar/data/49196/000119312520159678/d937169dex31.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on June 3, 2020). |
| [4.4](https://www.sec.gov/Archives/edgar/data/49196/000119312520215014/d79165dex31.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on August 10, 2020). |
| [4.5](https://www.sec.gov/Archives/edgar/data/49196/000119312521034332/d62360dex31.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on February 9, 2021). |
| [4.6](https://www.sec.gov/Archives/edgar/data/49196/000114036121020258/nt10025590x4_ex3-1.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on June 9, 2021). |
| [4.7](https://www.sec.gov/Archives/edgar/data/49196/000114036121020258/nt10025590x4_ex3-2.htm) | Articles of Amendment to Articles of Restatement of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.2 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on June 9, 2021). |
| [4.8](https://www.sec.gov/Archives/edgar/data/49196/000119312523061394/d412387dex31.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on March 6, 2023). |

---

------

---

| | |
|:---|:---|
| Exhibit<br> **Number** | **Description** |
| [4.9](https://www.sec.gov/Archives/edgar/data/49196/000119312525201383/d947096dex31.htm) | Articles Supplementary of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on September 11, 2025). |
| [4.10](https://www.sec.gov/Archives/edgar/data/49196/000004919623000076/huntingtonbancsharesincorp.htm) | Amended and Restated Bylaws of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.2 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on July 21, 2023). |
| [4.11](https://www.sec.gov/Archives/edgar/data/49196/000004919624000072/hbibylawsdtd07172024_ex31.htm) | Amended and Restated Bylaws of Huntington Bancshares Incorporated (incorporated by reference to Exhibit 3.1 to Huntington Bancshares Incorporated's Form 8-K filed with the Commission on July 19, 2024). |
| [4.12](https://www.sec.gov/Archives/edgar/data/1501570/000104746914007278/a2221250zex-10_3.htm) | Veritex Holdings, Inc. First Amended 2010 Stock Option and Equity Incentive Plan (including form of stock option agreement and stock award agreement) (incorporated herein by reference to Exhibit 10.3 to Veritex Holdings, Inc.'s Registration Statement on Form S-1 (Registration No. 333-198484) filed August 29, 2014). |
| [4.13](https://www.sec.gov/Archives/edgar/data/1501570/000104746914007782/a2221492zex-10_4.htm) | 2014 Omnibus Equity Incentive Plan (incorporated herein by reference to Exhibit 10.4 to Amendment No. 1 to Veritex Holdings, Inc.'s Registration Statement on Form S-1 (Registration No. 333-198484) filed with the Commission on September 22, 2014). |
| [4.14](https://www.sec.gov/Archives/edgar/data/1501570/000150157019000121/ex101veritexholdingsinc201.htm) | 2019 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc. (incorporated herein by reference to Exhibit 10.1 to Veritex Holdings, Inc.'s Form 8-K filed with the Commission on May 23, 2019). |
| [4.15](https://www.sec.gov/Archives/edgar/data/1501570/000150157025000112/exhibit991-2022amendedandr.htm) | 2022 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc. (incorporated herein by reference to Exhibit 99.1 to Veritex Holdings, Inc.'s Registration Statement on Form S-8 (Registration No. 333-288460) filed with the Commission on July 1, 2025). |
| [4.16](https://www.sec.gov/Archives/edgar/data/1501570/000150157025000112/exhibit992-2025amendedandr.htm) | 2025 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc. (incorporated herein by reference to Exhibit 99.2 to Veritex Holdings, Inc.'s Registration Statement on Form S-8 (Registration No. 333-288460) filed with the Commission on July 1, 2025). |
| [5.1](ef20057381_ex5-1.htm) | Opinion of Venable LLP as to validity of the securities being registered. |
| [23.1](ef20057381_ex23-1.htm) | Consent of PricewaterhouseCoopers LLP. |
| [23.2](ef20057381_ex5-1.htm) | Consent of Venable LLP (included as part of the opinion filed as Exhibit 5.1). |
| [24.1](#SIGNATURES) | Powers of Attorney of Directors and Officers of Huntington Bancshares Incorporated.\* |

---

\* Previously filed.

**Item 9.** **Undertakings.**<br>

<br> (a) The undersigned Registrant hereby undertakes:

<br> (1) To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

<br> (i) to include any prospectus required by section 10(a)(3) of the Securities Act;

------

(ii) to reflect in the prospectus any facts or events arising after the effective date of this Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in this Registration Statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement; and

<br> (iii) to include any material information with respect to the plan of distribution not previously disclosed in this Registration Statement or any material change to such information in this Registration Statement;

*provided*, *however*, that paragraphs (a)(1)(i) and (a)(1)(ii) above do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission by the Registrant pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement.

<sup>(2)</sup> That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial *bona fide* offering thereof.<br>

<br> (3) To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.

(b) The undersigned Registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in this Registration Statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial *bona fide* offering thereof.

(c) Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers, and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer, or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.

------

#### SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Columbus, State of Ohio, on October 20, 2025.

---

| | |
|:---|:---|
| **HUNTINGTON BANCSHARES INCORPORATED** | **HUNTINGTON BANCSHARES INCORPORATED** |
| By: | /s/ Stephen D. Steinour |
| Name: | Stephen D. Steinour |
| Title: | Chairman, President and Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, as amended, this Registration Statement has been signed by the following persons in the capacities indicated on October 20, 2025.

---

| | |
|:---|:---|
| **Signature** | **Title** |
| /s/ Stephen D. Steinour | Chairman, President, Chief Executive Officer and Director |
| (Stephen D. Steinour) | (Principal Executive Officer) |
| /s/ Zachary J. Wasserman | Senior Executive Vice President, Chief Financial Officer |
| (Zachary J. Wasserman) | (Principal Financial Officer) |
| /s/ Nancy E. Maloney | Executive Vice President, Controller |
| (Nancy E. Maloney) | (Principal Accounting Officer) |
| \* | Director |
| (Ann B. Crane) | Director |
| \* | Director |
| (Rafael Andres Diaz-Granados) | Director |
| \* | Director |
| (John C. Inglis) | Director |
| \* | Director |
| (Katherine M.A. Kline) | Director |
| \* | Director |
| (Richard W. Neu) | Director |
| \* | Director |
| (Kenneth J. Phelan) | Director |
| \* | Director |
| (David L. Porteous) | Director |
| \* | Director |
| (Teresa H. Shea) | Director |
| \* | Director |
| (Roger J. Sit) | Director |
| \* | Director |
| (Jeffrey L. Tate) | Director |
| \* | Director |
| (Gary H. Torgow) | Director |

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| | |
|:---|:---|
| \*By: | /s/ Marcy C. Hingst |
| Name: | Marcy C. Hingst |
| Title: | Attorney-In-Fact |

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## Exhibit 5.1

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#### Exhibit 5.1<br>

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| | |
|:---|:---|
| ![](image001.jpg) | 750 E. PRATT STREET SUITE 900 BALTIMORE, MD 21202<br> **T** 410.244.7400 **F** 410.244.7742 www.Venable.com<br>|

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October 20, 2025

Huntington Bancshares Incorporated

41 South High Street

Columbus, OH 43287

Re: Post-Effective Amendment on Form S-8 <u>to Registration Statement on Form S-4 (File No. 333-288793)</u>

Ladies and Gentlemen:

We have served as Maryland counsel to Huntington Bancshares Incorporated, a Maryland corporation (the "Company"), in connection with certain matters of Maryland law relating to the registration by the Company of up to 4,946,495 shares (the "Shares") of common stock, par value $0.01 per share (the "Common Stock"), of the Company issuable or to be offered or sold pursuant to one or more of the equity compensation or incentive plans listed on Schedule I hereto (each, a "Plan" and collectively, the "Plans") covered by the Post-Effective Amendment on Form S-8 to Registration Statement on Form S-4, and all amendments thereto (the "Registration Statement"), filed with the United States Securities and Exchange Commission (the "Commission") by the Company on or about the date hereof under the Securities Act of 1933, as amended (the "1933 Act").

In connection with our representation of the Company, and as a basis for the opinion hereinafter set forth, we have examined originals, or copies certified or otherwise identified to our satisfaction, of the following documents (collectively, the "Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Registration Statement in the form in which it was transmitted to the Commission under the 1933 Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The charter of the Company (the "Charter"), certified by the State Department of Assessments and Taxation of Maryland (the "SDAT");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Amended and Restated Bylaws of the Company, certified as of the date hereof by an officer of the Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Resolutions (the "Resolutions") adopted by the Board of Directors of the Company relating to, among other matters, the issuance of the Shares, certified as of the date hereof by an officer of the Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Agreement and Plan of Merger, dated as of July 13, 2025 (the "Merger Agreement"), by and between the Company and Veritex Holdings, Inc., a Texas corporation;

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![](image002.jpg)

Huntington Bancshares Incorporated

October 20, 2025

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A certificate of the SDAT as to the good standing of the Company, dated as of a recent date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A certificate executed by an officer of the Company, dated as of the date hereof; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Such other documents and matters as we have deemed necessary or appropriate to express the opinion set forth herein, subject to the assumptions, limitations and qualifications stated herein.

In expressing the opinion set forth below, we have assumed the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Each individual executing any of the Documents, whether on behalf of such individual or another person, is legally competent to do so.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Each individual executing any of the Documents on behalf of a party (other than the Company) is duly authorized to do so.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Each of the parties (other than the Company) executing any of the Documents has duly and validly executed and delivered each of the Documents to which such party is a signatory, and the obligations of such party set forth therein are legal, valid and binding and are enforceable in accordance with all stated terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; All Documents submitted to us as originals are authentic. The form and content of all Documents submitted to us as unexecuted drafts do not differ in any respect relevant to this opinion from the form and content of such Documents as executed and delivered. All Documents submitted to us as certified or photostatic copies conform to the original documents. All signatures on all Documents are genuine. All public records reviewed or relied upon by us or on our behalf are true and complete. All representations, warranties, statements and information contained in the Documents are true and complete. There has been no oral or written modification of or amendment to any of the Documents, and there has been no waiver of any provision of any of the Documents, by action or omission of the parties or otherwise.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Upon issuance of any of the Shares, the total number of shares of Common Stock issued and outstanding will not exceed the total number of shares of Common Stock that the Company is then authorized to issue under the Charter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Each option, stock award, restricted stock unit, right or other security granted, issued or purchased under any of the Plans pursuant to which Shares may be issued upon exercise, exchange or settlement, or otherwise (each, an "Award"), will be duly authorized and validly granted, issued or purchased in accordance with the applicable Plan, and any such Shares will be so issued or purchased in accordance with the terms of such Plan and any applicable stock option agreement, rights agreement or other award agreement entered into in connection with the grant of such Award (each, an "Award Agreement").

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![](image002.jpg)

Huntington Bancshares Incorporated

October 20, 2025

Based upon the foregoing, and subject to the assumptions, limitations and qualifications stated herein, it is our opinion that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company is a corporation duly incorporated and existing under and by virtue of the laws of the State of Maryland and is in good standing with the SDAT.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The issuance of the Shares has been duly authorized and, when and if issued, offered or sold and delivered in accordance with the Resolutions and any other resolutions of the Board or a duly authorized committee thereof relating thereto, the applicable Plan and any applicable Award Agreement, and the Merger Agreement, the Shares will be validly issued, fully paid and nonassessable.

The foregoing opinion is limited to the laws of the State of Maryland and we do not express any opinion herein concerning federal law or any other state law. We express no opinion as to the applicability or effect of any federal or state securities laws, including the securities laws of the State of Maryland, or as to federal or state laws regarding fraudulent transfers. To the extent that any matter as to which our opinion is expressed herein would be governed by the laws of any jurisdiction other than the State of Maryland, we do not express any opinion on such matter. The opinion expressed herein is subject to the effect of any judicial decision which may permit the introduction of parol evidence to modify the terms or the interpretation of agreements.

The opinion expressed herein is limited to the matters specifically set forth herein and no other opinion shall be inferred beyond the matters expressly stated. We assume no obligation to supplement this opinion if any applicable law changes after the date hereof or if we become aware of any fact that might change the opinion expressed herein after the date hereof.

This opinion is being furnished to you for submission to the Commission as an exhibit to the Registration Statement. We hereby consent to the filing of this opinion as an exhibit to the Registration Statement and to the use of the name of our firm therein. In giving this consent, we do not admit that we are within the category of persons whose consent is required by Section 7 of the 1933 Act.

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|:---|
| Very truly yours, |
| /s/ Venable LLP |

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#### SCHEDULE I

#### PLANS

<br> • Veritex Holdings, Inc. First Amended 2010 Stock Option and Equity Incentive Plan

<br> • 2014 Omnibus Incentive Plan for Veritex Holdings, Inc.

<br> • 2019 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc.

<br> • 2022 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc.

<br> • 2025 Amended and Restated Omnibus Incentive Plan for Veritex Holdings, Inc.

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## Exhibit 23.1

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**Exhibit 23.1**<br>

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Post-Effective Amendment No. 1 on Form S-8 to the Registration Statement on Form S-4 of Huntington Bancshares Incorporated and its subsidiaries of our report dated February 14, 2025, relating to the financial statements and the effectiveness of internal control over financial reporting, which appears in Huntington Bancshares Incorporated and its subsidiaries' Annual Report on Form 10-K for the year ended December 31, 2024.

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| |
|:---|
| /s/ PricewaterhouseCoopers LLP |
| Columbus, Ohio |
| October 20, 2025 |

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