Huntington Bancshares (HU3) AI Stock Analysis

Company Guidance

Management expects loan growth to achieve about a 6% organic growth rate and approximately 36% on a reported basis, supporting full year NII growth of approximately 35%; NIM is expected to be approximately flat in Q4, full year deposit growth is expected to be about 32.5%, Q4 fee revenue approximately $750 million, plus or minus the normal variability around an estimate at this point in the quarter, implying full year growth of approximately 31%, and core expenses are expected to be flat in Q4 versus the Q3 level. Full year net charge offs are anticipated in a lower end of our 25% to 35 basis point guidance range, while 2026 positive operating leverage is expected to be equal to or greater than 100 basis points; 2027 EPS guidance remains $1.75 to 1.83, with 6% loan growth, flat NIMs, NII of about 6% plus a percentage point or 2 of fee income generation, revenue growth of 7%, 8%, operating leverage of 300 basis points, and PPNR growth of 9% to 10%, while 2027 EPS is expected to grow more than 20% from 2025, ROTCE is expected to trend to the 17% to 18% range, tangible book value per share is expected to increase by more than 10% from the 2025 level, share repurchases between this year and next year are expected to be about $1.8 billion to $1.9 billion, and the embedded deposit beta expectation is around 50 to 60%.