Filing Flows › Huntington Bancshares (HBAN) › Q4 2025
Huntington Bancshares (HBAN) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 13, 2026
Huntington Bancshares (HBAN) reported revenue of $2.2B for the fourth quarter 2025 (Q4 2025), +11% from a year earlier and +2% from the quarter before. Operating margin was 29.0%, net earnings $519M (23.9% of revenue).
Huntington Bancshares, Q4 2025: revenue $2.2B (+11% year over year), operating margin 29.0%, net earnings $519M, operating cash flow $928M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.2B | +2% | +11% |
| Operating profit | $631M | -18% | -6% |
| Net earnings | $519M | -17% | -2% |
| Operating cash flow | $928M | +91% | -17% |
| Free cash flow | $810M | +82% | -26% |
What changed
Revenue was $2.2B in Q4 2025, up 11% year over year and up 2% from the previous quarter.
Operating profit was $0.63B, a 29.0% margin (down 5.2 points year over year). Operating profit fell $0.04B even though revenue rose $0.22B versus a year earlier, so costs grew faster than sales. Total costs grew 20% against revenue growth of 11%. The fastest-growing cost line was Noninterest expense (+21%). Net earnings were $0.52B, down 2% year over year. The effective tax rate was 17.1%.
Operating cash flow was $0.93B (down 17% year over year), 177% of net earnings. Non-cash charges added back $0.19B of depreciation and amortization and $0.03B of share-based compensation. Working capital and other items added $0.19B. Capital expenditures of $0.12B left free cash flow of $0.81B.
Questions
What was Huntington Bancshares' revenue in the fourth quarter 2025?
Huntington Bancshares (HBAN) reported revenue of $2.2B for the fourth quarter 2025 (Q4 2025), +11% from a year earlier and +2% from the quarter before.
Was Huntington Bancshares profitable in the fourth quarter 2025?
Operating profit was $631M (29.0% of revenue) and net earnings $519M.