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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Jon Arfstrom | RBC Capital Markets | 12 | 0% |
| Manan Gosalia | Morgan Stanley | 11 | 0% |
| Erika Najarian | UBS | 10 | 0% |
| Ebrahim Poonawala | Bank of America | 8 | 0% |
| John Pancari | Evercore ISI | 6 | 0% |
| Chris McGratty | KBW | 6 | 0% |
| Brian Foran | Truist Securities | 6 | 0% |
| Ken Usdin | Autonomous Research | 5 | 0% |
| Matt O'Connor | Deutsche Bank | 4 | 0% |
| Steve Alexopoulos | TD Cowen | 4 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| RBC Capital Markets | 1 | 12 | 0% |
| Morgan Stanley | 1 | 11 | 0% |
| UBS | 1 | 10 | 0% |
| Bank of America | 1 |
| 8 |
| 0% |
| Deutsche Bank | 2 | 8 | 0% |
| KBW | 2 | 7 | 0% |
| Evercore ISI | 1 | 6 | 0% |
| Truist Securities | 1 | 6 | 0% |
Huntington delivered Q1 adjusted EPS of $0.39 with NII up 5% year-over-year as NIM held at 3.30%, slightly compressed from Q4 on seasonal deposit flows and the Cadence integration. Average loans grew 5% year-over-year with continued C&I and commercial real estate strength, and credit quality remained benign with NCOs at 0.32%. Management reaffirmed full-year guidance while flagging the Texas franchise was outperforming original underwriting assumptions, and fee income grew 10% on payments and capital markets momentum.
Margin | M&A | Competitive Dynamics | Pricing | Capital Allocation | Credit | Revenue Growth | Demand | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 5 | 1 | 2 | 3 | 4 | 1 | 1 | 3 |
| 2025Q1 | 2 | 3 | 2 | 1 | 3 | 1 | 3 | |
| 2025Q2 | 6 | 3 | 3 | 4 | 1 | 1 | 2 | 1 |
| 2025Q3 | 4 | 1 | 1 | 1 | 1 | 4 | 1 | 2 |
| 2025Q4 | 4 | 7 | 1 | 1 | 3 | 1 | ||
| 2026Q1 | 3 | 2 | 2 | 1 | 4 | 1 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Margin | 5 | 2 | 6 | 4 | 4 | 3 |
| M&A | 1 | 3 | 1 | 7 | 2 | |
| Competitive Dynamics | 2 | 3 | 3 | 1 | 1 | 2 |
| Pricing | 3 | 2 | 4 | 1 | 1 | |
| Capital Allocation | 4 | 1 | 1 | 1 | 4 | |
| Credit | 1 | 3 | 1 | 4 | 1 | 1 |
| Revenue Growth | 1 | 1 | 2 | 1 | 3 | 2 |
| Demand | 3 | 3 | 1 | 2 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
HBAN Huntington Bancshares | 7 | +26.3% | |
| CFG Citizens Financial Group | 8 | +4.5% | |
| FITB Fifth Third Bancorp | 7 | +25.8% | |
| KEY KeyCorp | 9 | +1.1% | |
| MTB M&T Bank | 7 | +1.7% | |
| PNC PNC Financial Services | 8 | +12.7% | |
| RF Regions Financial Corporation | 6 | +0.5% | |
| TFC Truist Financial | 7 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |