Group 1 - Huntington Bancshares Incorporated will participate in the 2025 Goldman Sachs Financial Services Conference on December 10, 2025, with presentations by CEO Steve Steinour and CFO Zach Wasserman [1] - The presentation will cover business trends, financial performance, and strategic initiatives, including forward-looking statements [1] - The company is a regional bank holding company with $223 billion in assets, headquartered in Columbus, Ohio, and operates over 1,000 branches across 14 states [3] Group 2 - Huntington Bancshares has announced a decrease in its prime rate from 7.25% to 7.00%, effective October [4] - The company has entered into a definitive agreement to acquire Cadence Bank, which has $53 billion in assets [5]

Core Insights - Huntington Bancshares Incorporated is a prominent financial institution in the United States, offering a variety of banking services and competing with entities like First Financial Corporation Indiana [1] Financial Performance - Huntington Bancshares demonstrates strong profitability metrics with a net margin of 18.06%, return on equity of 12.14%, and return on assets of 1.09%, although these figures are slightly lower than those of First Financial Corporation Indiana, which has a net margin of 21.70%, return on equity of 12.99%, and return on assets of 1.33% [3][6] Analyst Recommendations - Analyst ratings for Huntington Bancshares include 1 sell rating, 3 hold ratings, 15 buy ratings, and 3 strong buy ratings, resulting in a rating score of 2.91, compared to First Financial Corporation Indiana's score of 2.80, which includes 0 sell ratings, 2 hold ratings, 2 buy ratings, and 1 strong buy rating [4][6] Stock Performance - The current stock price of Huntington Bancshares is $16.27, with a market capitalization of approximately $23.74 billion. The stock has fluctuated between $16.13 and $16.37 today, and over the past year, it has ranged from a low of $11.92 to a high of $18.33, with a trading volume of 32.97 million shares indicating active investor interest [5][6]

Core Insights - Huntington Bancshares Incorporated (HBAN) has expanded its footprint and capabilities through strategic acquisitions, indicating a commitment to growth and long-term profitability [1] Acquisition Strategy - In October 2025, Huntington acquired Veritex Holdings, enhancing its presence in Texas with 31 new branches, resulting in over 1,000 locations and approximately $223 billion in assets, $176 billion in deposits, and $148 billion in loans. The acquisition is projected to yield $20 million in core pre-provision net revenue benefits and improve efficiency and return on tangible common equity [2] - Huntington also entered into an agreement to acquire Cadence Bank, expected to close in Q1 2026, which will add over 390 locations and is anticipated to be 10% accretive to earnings per share, though mildly dilutive to regulatory capital and tangible book value [3] - Previous acquisitions include Capstone Partners and Torana in 2022, which enhanced capital markets and digital capabilities, respectively, and the merger with TCF Financial in 2021, positioning Huntington among the top 25 U.S. bank holding companies [4] Long-term Growth Strategy - Huntington's acquisitions reflect a disciplined growth strategy focused on scale, market expansion, and enhanced capabilities, aiming for a compounded annual growth rate of 6-9% in core pre-provision net revenue and a return on tangible common equity of 16-17% by 2027 [5] Market Performance - Year-to-date, Huntington's shares have increased by 0.7%, compared to the industry's growth of 2.1% [10] - The forward price-to-earnings (P/E) ratio for HBAN is 9.47X, below the industry average of 9.69X [13] - The Zacks Consensus Estimate for HBAN's earnings indicates a year-over-year rise of 20.9% for 2025 and 13.1% for 2026, with the 2026 estimate revised upward recently [17]

Core Insights - The Partner Companies (TPC) has completed a $100+ million equity investment from Tensile Capital Management, contributing to a total capital raise exceeding $300 million to enhance manufacturing operations and strategic growth [2][3][4]. Financing Details - The recent financing includes a $200+ million syndicated credit facility led by Huntington Bank, aimed at accelerating growth across TPC's 11 brands serving various industries [2][4]. - The total capital raised will support TPC's expansion in aerospace, defense, medical technology, energy, and other sectors [2][4]. Growth Strategy - The minority equity investment will enable TPC to expand its specialized manufacturing capabilities, pursue acquisitions, and advance its technology [3][4]. - TPC has a history of strategic acquisitions, having expanded its manufacturing footprint through five acquisitions since 2020, including Precision Eforming and UPG [4]. Partnership and Investment Approach - The partnership with Tensile is expected to enhance TPC's strategy by providing long-term capital access and aligning with TPC's focus on sustainable value creation [4][7]. - Tensile's investment approach emphasizes long-term investments and collaboration with management teams, which aligns with TPC's growth strategy [4][7]. Company Overview - TPC is a global diversified manufacturing company founded in 2010, specializing in mission-critical solutions for industries such as aerospace, defense, clean energy, and medical technology [6]. - TPC operates 11 specialty manufacturers across the U.S., U.K., Mexico, and Asia, focusing on advanced manufacturing techniques [6].

Core Viewpoint - Huntington Bancshares Incorporated (NASDAQ:HBAN) has announced a definitive agreement to acquire Cadence Bank, a significant move aimed at enhancing its market position and growth potential [1][2]. Group 1: Acquisition Details - The acquisition of Cadence Bank, valued at $53 billion, represents a strategic milestone for Huntington Bancshares [1]. - This partnership, along with the previous acquisition of Veritex Community Bank, will position Huntington as the 5th largest in deposit market share in Dallas and Houston, and 8th in Texas overall [2]. Group 2: Strategic Growth and Market Position - The acquisition is expected to provide Huntington Bancshares with a foothold in high-growth markets, facilitating further organic growth and investment opportunities [3]. - The company plans to maintain Cadence's extensive branch network without closures, focusing on investments to strengthen its operational model [4]. Group 3: Financial Performance - Huntington Bancshares highlighted that its Q3 2025 results reflect the strength of its differentiated operating model, driven by targeted growth investments and effective execution of core strategies [4].

Group 1 - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and 'Dividend Champions' that target premium dividend yields up to 10% [1][3] - iREIT®+HOYA Capital is highlighted as a premier income-focused investing service that offers sustainable portfolio income, diversification, and inflation hedging [2][3] - The investment research provided includes strategies for trading options with a focus on cash-secured puts, aimed at helping investors prepare for retirement [3] Group 2 - The service offers a Free Two-Week Trial for potential investors to explore top ideas across exclusive income-focused portfolios [2] - The group aims to assist investors in achieving dependable monthly income and portfolio diversification [3]

Group 1 - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and 'Dividend Champions' that target premium dividend yields up to 10% [1][3] - iREIT®+HOYA Capital is highlighted as a premier income-focused investing service that offers sustainable portfolio income, diversification, and inflation hedging [2][3] - The investment research provided includes strategies for trading options with a focus on cash-secured puts, aimed at helping investors prepare for retirement [3] Group 2 - The service offers a Free Two-Week Trial for potential investors to explore top ideas across exclusive income-focused portfolios [2] - The group aims to assist investors in achieving dependable monthly income and portfolio diversification [3]

Core Insights - Three stocks are highlighted with a buy rank and strong income characteristics for investors to consider on November 4 Group 1: TriNet Group, Inc. (TNET) - The Zacks Consensus Estimate for current year earnings has increased by 2.6% over the last 60 days [1] - The company has a Zacks Rank of 1 (Strong Buy) [1] - The dividend yield is 1.8%, compared to the industry average of 0.8% [1] Group 2: Huntington Bancshares Incorporated (HBAN) - The Zacks Consensus Estimate for current year earnings has increased by 2.1% over the last 60 days [2] - The company has a Zacks Rank of 1 (Strong Buy) [2] - The dividend yield is 4%, compared to the industry average of nearly 3% [2] Group 3: Isabella Bank Corporation (ISBA) - The Zacks Consensus Estimate for current year earnings has increased by 3.9% over the last 60 days [3] - The company has a Zacks Rank of 1 (Strong Buy) [3] - The dividend yield is 3.1%, compared to the industry average of 2.7% [3]

Company Overview - Huntington Bancshares Incorporated (HBAN) is a regional bank holding company based in Columbus, Ohio, providing a comprehensive range of banking services primarily in the U.S. Midwest and surrounding states, with a market capitalization of approximately $22.4 billion [1] Stock Performance - HBAN shares have underperformed the broader market, declining 3.1% over the past 52 weeks, while the S&P 500 Index has increased by 17.4%. Year-to-date, HBAN is down 6.3%, compared to the S&P 500's 16% return [2] - The stock has also lagged behind the Financial Select Sector SPDR Fund (XLF), which has returned 10.8% over the past 52 weeks and 8.1% year-to-date [3] Recent Developments - The recent decline in HBAN stock is largely due to investor concerns regarding its $7.4 billion all-stock acquisition of Cadence Bank, which may lead to near-term dilution of tangible book value and a pause in share buybacks until the integration is completed [4] - Broader caution in the regional banking sector, driven by margin pressures, funding cost risks, and economic uncertainty, has negatively impacted sentiment towards HBAN, despite relatively stable fundamentals [5] Earnings Outlook - For the fiscal year ending December 2025, analysts project HBAN's earnings per share (EPS) to grow by 20.2% year-over-year to $1.49. The company has a strong earnings surprise history, having beaten or matched bottom-line estimates in the last four quarters [5] Analyst Ratings - Among 22 analysts covering HBAN, the consensus rating is a "Strong Buy," an upgrade from "Moderate Buy" two months ago. This rating is based on 16 "Strong Buy" ratings, one "Moderate Buy," four "Holds," and one "Strong Sell" [6] - The current analyst configuration is more bullish than two months ago, when 15 analysts had a "Strong Buy" rating [7]

Group 1 - Huntington Bancshares Incorporated announced a decrease in its prime rate from 7.25% to 7.00%, effective October 30, 2025 [1] - The previous change in the prime rate occurred on September 18, 2025, when it decreased from 7.5% to 7.25% [1] Group 2 - Huntington Bancshares Incorporated is a regional bank holding company with $223 billion in assets, headquartered in Columbus, Ohio [2] - The company provides a comprehensive suite of banking, payments, wealth management, and risk management products and services to various clients, including consumers and businesses [2] - Huntington operates over 1,000 branches across 14 states [2] Group 3 - Huntington Bancshares Incorporated has entered into a definitive agreement to acquire Cadence Bank, which has $53 billion in assets [3]