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Huntington Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$683M in Q3 2026 · $2.9B over twelve months

Operating cash flow$773M
Capital spending−$90.0M
Free cash flow+$683M
Cash / net income1.1×

Analysis

In Q3 2026, Huntington Bancshares generated $773M of operating cash flow and spent $90.0M on capital projects, leaving free cash flow of $683M. That is $237M more than in Q3 2025 ($446M).

Over the twelve months to Sep 30, 2026, operating cash flow was $3.3B; the largest uses were other investing ($6.0B), dividends ($1.1B), capital spending ($428M); besides operations, cash came from other financing ($4.8B), net borrowing (+) / repaid (−) ($3.5B); the cash balance rose by $4.1B.

Operating cash flow was $773M against net income of $724M — 1.1× profit, roughly in line with earnings. The largest differences: other liabilities +$708M, depreciation & amortization +$170M, deferred taxes −$108M.

Free cash flow

Huntington Bancshares: free cash flow by quarterHuntington Bancshares: free cash flow by quarter$1.1BQ4 2024$459MQ1 2025$500MQ2 2025$446MQ3 2025$810MQ4 2025$400MQ1 2026$1.0BQ2 2026$683MQ3 2026
Operating cash flow less capital spending.
Huntington Bancshares: operating cash flow against capital spendingHuntington Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$1.1B$27.0MQ4 2024$513M$54.0MQ1 2025$554M$54.0MQ2 2025$487M$41.0MQ3 2025$928M$118MQ4 2025$524M$124MQ1 2026$1.1B$96.0MQ2 2026$773M$90.0MQ3 2026
Latest (Q3 2026): Operating cash flow $773M, Capital spending $90.0M.

Capital allocation, year by year

Huntington Bancshares: where the cash came from (up) and went (down), by fiscal yearHuntington Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $2.1BFY2021: Net borrowing −$3.9BFY2021: Shares issued $486MFY2021: Capital spending −$247MFY2021: Buybacks −$650MFY2021: Dividends −$750M$2.5BFY2021FY2022: Operating cash flow $4.0BFY2022: Net borrowing $5.1BFY2022: Capital spending −$214MFY2022: Acquisitions −$223MFY2022: Dividends −$897M$9.2BFY2022FY2023: Operating cash flow $2.7BFY2023: Net borrowing $1.3BFY2023: Shares issued $317MFY2023: Capital spending −$140MFY2023: Dividends −$900M$4.3BFY2023FY2024: Operating cash flow $1.8BFY2024: Net borrowing $3.3BFY2024: Capital spending −$143MFY2024: Dividends −$903M$5.1BFY2024FY2025: Operating cash flow $2.5BFY2025: Net borrowing $1.2BFY2025: Shares issued $741MFY2025: Capital spending −$267MFY2025: Dividends −$908M$4.5BFY2025
Over these 5 years operating cash flow totalled $13.1B; the largest uses were dividends ($4.4B) and net borrowing ($3.9B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$16.8B
Debt$23.4B
Net debt$6.6B
Due within a year$3.8B

Huntington Bancshares funds itself: free cash flow was $2.9B over the last twelve months, and $16.8B of cash and investments stands against $23.4B of debt ($3.8B due within a year, 4.4× covered by cash).

Huntington Bancshares: debt maturities by year (FY2025)Huntington Bancshares: debt maturities by year (FY2025)$3.8BYear 1$681MYear 2$3.7BYear 3$1.9BYear 4$1.9BYear 5$5.3BAfter year 5
Principal due in each year as disclosed in the annual report, against $16.8B of cash and investments now.

Where the cash came from and went

Huntington Bancshares: sources (+) and uses (−) of cash, Q3 2026Huntington Bancshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$3.1BOther financing$2.2BNet borrowing (+) / repaid (−)$1.9BCash drawn (+) / kept (−)−$1.2BOperating cash flow$773MDividends−$313MBuybacks−$100MCapital spending−$90.0M
Huntington Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Huntington Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$6.0BOther financing$4.8BCash drawn (+) / kept (−)−$4.1BNet borrowing (+) / repaid (−)$3.5BOperating cash flow$3.3BDividends−$1.1BCapital spending−$428M

From profit to cash

Huntington Bancshares: net income to operating cash flow, Q3 2026Huntington Bancshares: net income to operating cash flow, Q3 2026Net income$724MDepreciation & amortization$170MStock-based pay$53.0MDeferred taxes−$108MOther non-cash−$35.0MOther liabilities$708MOperating cash flow$773M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$773M−$90.0M−$100M−$313M$1.9B−$1.2B$683M
Q2 2026$1.1B−$96.0M−$159M−$316M−$1.5B$3.6B$1.0B
Q1 2026$524M−$124M−$150M−$248M$2.5B−$5.7B$400M
Q4 2025$928M−$118M—−$228M$655M−$757M$810M
Q3 2025$487M−$41.0M—−$227M−$150M−$2.4B$446M
Q2 2025$554M−$54.0M—−$227M−$766M$5.0B$500M
Q1 2025$513M−$54.0M—−$226M$1.5B−$2.5B$459M
Q4 2024$1.1B−$27.0M—−$226M$516M−$262M$1.1B

Huntington Bancshares: income statement and cash flow

Huntington Bancshares, Q3 2026: revenue $2.8B (+31% year over year), operating margin 32.1%. The chart follows the revenue to costs, profit and cash.

Huntington Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.