Huntington Bancshares 三季报喜忧参半并下调2026年存款与非息收入指引，盘前一度跌近6%后已收复至平盘

Huntington Bancshares ( HBAN ) was trading lower as third-quarter earnings saw a sequential decline and the regional lender reduced its 2026 deposits and noninterest income guidance. Shares were 3.63% lower at $15.15 during pre-market trading on Thursday. Adjusted EPS was $0.38, down $0.01 from the prior quarter and in line with the Visible Alpha consensus of $0.38. Total revenue declined to $2.79B from $2.84B in the previous quarter and $2.13B a year ago. The metric fell short of the average analyst estimate of $2.80B. Net interest income increased to $2.07B from $2.05B a quarter ago and $1.51B a year ago, above the consensus of $2.06B. NIM of 3.25% was up 4 basis points, driven by higher yields on investment securities and modestly lower overall net funding costs. Noninterest income decreased to $722M from $785M in the quarter ago, but increased from $628M a year ago, falling short of the $737.10M consensus. The decrease was mainly attributed to lower capital markets fees and unfavorable equity valuation adjustments. Loans and leases were down to $188.45B from $189.26B in Q2 and $135.94B in Q3 2025, above the analyst estimates of $186.82B. Deposits increased to $223.82B from $223.40B and $164.81B, vs. the $222.28B consensus. For the full-year 2026, Huntington Bancshares lowered its financial guidance for average deposits and noninterest income. Average deposits are now expected to rise ~32.5%, compared to the earlier outlook of ~33% and the Visible Alpha consensus of ~32.96%. Noninterest income guidance was reduced to ~31% from ~32%, against the consensus of ~35.79%. Earnings conference call is scheduled for 9:00 AM ET today.