What Huntington Bancshares's FY2025 10-K says: 12 signals
Huntington Bancshares filed its latest 10-K with the SEC on Feb 13, 2026. It discusses acquisition completed, legacy modernization and restructuring charge.
Public (HBAN)Financial Services10,000+ employeeshuntington.comLinkedIn
- Filed
- Feb 13, 2026
- Period
- FY2025
- Fiscal year end
- 12/31
- Filings
- 1
10-K · latest 10
What Huntington Bancshares's 10-K filings say
- SEC EDGAR
10-K · FY2025
Filed · Fiscal year ends 12/31 · 12 signals
Huntington closes massive $8.1B acquisition of Cadence Bank, adding $54B in assets
The recent completion of the Cadence Bank merger on Feb 1, 2026, adds $54 billion in assets and expands operations to 21 states.
$8.1B
Consideration value for Cadence Bank acquisition
Cadence Bank
The recent all-stock acquisition of Cadence Bank adds $54 billion in assets, creating significant operational and IT system integration challenges.
$8.1B
Acquisition value of Cadence Bank
Huntington completes $1.7B acquisition of Veritex Holdings, adding $12B in assets
The integration of Veritex's $12.0 billion in assets, $9.3 billion in loans, and $10.5 billion in deposits following the October 2025 merger presents a major operational and IT challenge.
$1.7B
Transaction value for Veritex Holdings acquisition
Veritex Holdings, Inc.
Huntington expands from 14 to 21 states, operating nearly 1,400 branches post-acquisition
Following the Cadence Bank merger, Huntington has rapidly expanded its geographic footprint into 7 new states.
Huntington is integrating the $1.7B acquisition of Veritex Holdings, completed in October 2025.
The acquisition of Dallas-based Veritex added $12 billion in assets and expands Huntington's footprint into Texas, requiring ongoing integration of systems, staff, and processes.
$1.7B
Acquisition value of Veritex Holdings, Inc.
Huntington cites "increasingly strong" competition from FinTech companies
Huntington explicitly acknowledges that Financial Technology Companies (FinTechs) are a source of significant competitive pressure.
FinTechs
Huntington holds a weak #11 market position in Chicago with only 2% deposit share.
Despite being a major regional bank, Huntington has a relatively small presence in the key Chicago MSA, holding only 2% of deposits as of June 2025.
2%
Deposit market share in Chicago, IL MSA
Huntington expands 'Fair Play Banking' digital product suite to combat FinTech competition.
The company is actively developing and promoting a suite of digitally-native products like Standby Cash®, Early Pay, and Huntington Heads Up® to differentiate itself against 'increasingly strong' competition from FinTechs.
mobile bankingonline bankingReal-Time Payments (RTP®)Zelle
The bank is actively competing on customer experience through its "Fair Play" philosophy, which includes a suite of digital products like Money Scout®, Standby Cash®, and Early Pay.
mobile banking
Huntington deploys AI-powered 'Money Scout' tool to analyze customer spending habits.
The 'Money Scout' feature, which analyzes customer spending habits to automatically move unused funds to savings, indicates an investment in AI/ML for personal finance automation.
AIArtificial Intelligence
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Source. Annual reports (Form 10-K) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .