| HBAN |
Report |
Adjusted EPS |
BEAT |
pred ~$0.40 vs. cons $0.39 |
MEDIUM |
| HBAN |
Report |
Net interest income (first full Cadence quarter) |
IN-LINE |
pred ~$1.63B vs. cons $1.62B |
MEDIUM |
| HBAN |
Report |
Fee (noninterest) income |
BEAT |
pred ~$700M vs. cons $685M |
MEDIUM |
| HBAN |
Guide |
FY26 NIM outlook |
UNCHANGED |
guide ~high-3.20s (~3.28%) vs. cons ~3.28% (FY26), H2 rise reaffirmed |
MEDIUM |
| HBAN |
Guide |
FY26 fee income growth |
BETTER |
guide ~32-33% vs. cons ~32% (FY26) |
MEDIUM |
| HBAN |
Guide |
FY26 expense growth / Q4 efficiency ratio |
UNCHANGED |
guide Q4 eff ~mid/low-54% vs. cons ~54.5% (Q4-26) |
MEDIUM |
| HBAN |
Guide |
FY26 net charge-offs |
UNCHANGED |
guide 25-35bp vs. cons ~30bp (FY26) |
MEDIUM |
| HBAN |
Guide |
2027 EPS / ROTCE target reaffirmation |
UNCHANGED |
guide $1.90-$1.93 EPS vs. cons ~$1.85 (FY27) |
LOW |
| HBAN |
Guide |
Buyback pace |
UNCHANGED |
guide ~$550M vs. cons ~$550M (FY26) |
LOW |
| HBAN |
Return |
Day-1 residual (stock − beta × S&P 500) |
+0.8% |
— |
MEDIUM |
| HBAN |
Return |
5-day cumulative residual |
+0.3% (FADE) |
Modest EPS beat on fees plus a reaffirmed (not raised) FY guide is a clean-but-not-spectacular print. NIM likely soft in Q2 (Fed-cash drag, Cadence purchase-accounting noise) with the ramp pushed to H2, so out-period estimates get little upward revision. With shares already +15% off the spring low and near 52-wk highs into the print (+3% last two weeks, closing the KRE gap), a small day-1 pop is prone to fade as the beat is milestone-verification rather than a numbers reset; STABILIZE-to-slightly-positive base case, fade if conversion/deposit-cost or acquired-book NPA commentary disappoints. |
LOW |