HBANHuntington Bancshares

Financials · Banks · Nasdaq

We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. 10-K, Item 1

Headquarters: Columbus, OH
CEO: Stephen D. Steinour
Next results: around Jan 21, 2027

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What the 10-K filed 2026-02-13 says about risks that are not on the face of the balance sheet, from the notes to the financial statements, Legal Proceedings and the MD&A (and, for big customers and key suppliers, Business and Risk Factors). Tickdelta picks sentences with specifics (amounts, accruals, covenant ratios) and quotes them as filed. New marks a sentence with nothing like it in the 10-K filed 2025-02-14.

Big customers

Customers the company names as a large share of revenue or receivables (it must name any worth 10% of revenue).

No specific sentence about this in the 10-K.

Key suppliers

Parts or manufacturing that depend on one or a few suppliers.

“Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency where that asset is the sole source of repayment.”
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“Loss confirming events include, but are not limited to, bankruptcy (unsecured), continued delinquency, foreclosure, or receipt of an asset valuation indicating a collateral deficiency and that asset is the sole source of repayment.”
Read it in the 10-K ↗

Lawsuits and legal claims

Pending cases, settlements and what the company has set aside for them.

“Huntington establishes an accrued liability when those matters present loss contingencies that are both probable and estimable.”
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Guarantees and indemnities

Promises to pay someone else's debts or losses if they cannot.

“The carrying value of residual values guaranteed was $419 million and $517 million as of December 31, 2025 and December 31, 2024, respectively.”
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“The maximum amount guaranteed by the Company under these arrangements total approximately $366 million and $201 million as of December 31, 2025 and December 31, 2024, respectively, and represents the guaranteed portion in these transactions where the make-whole provisions have not yet expired.”
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Debt covenants

Conditions in loan agreements that, if broken, can make debt due early.

“As of December 31, 2025, Huntington was in compliance with all such covenants.”
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Commitments off the balance sheet

1 new

Contracts the company must pay for later: purchase obligations, take-or-pay deals.

New “Purchase commitments totaled $710 million as of December 31, 2025 and $716 million as of December 31, 2024.”
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Sentences are chosen by their words, not read by AI, so some can be off topic. Always check the filing. Open the 10-K ↗

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