| HBAN |
Report |
Adjusted EPS |
BEAT |
pred ~$0.40 vs. cons $0.39 |
MEDIUM |
| HBAN |
Report |
Net interest income (FTE) |
BEAT |
pred ~$2.11B vs. cons $2.08B |
MEDIUM |
| HBAN |
Report |
Adjusted noninterest income |
BEAT |
pred ~$0.77B vs. cons $0.76B |
LOW |
| HBAN |
Guide |
Net interest income growth |
LOWER |
guide ~10.0% vs. cons 10.2% (FY2026) |
MEDIUM |
| HBAN |
Guide |
Fee revenue growth |
BETTER |
guide ~32.0% vs. cons 31.5% (FY2026) |
MEDIUM |
| HBAN |
Guide |
Adjusted expense growth |
LOWER |
guide ~32.7% vs. cons 32.8% (FY2026) |
MEDIUM |
| HBAN |
Guide |
Net charge-off ratio |
UNCHANGED |
guide ~30 bp vs. cons 30 bp (FY2026) |
HIGH |
| HBAN |
Guide |
Adjusted EPS |
UNCHANGED |
guide ~$1.915 vs. cons $1.91 (FY2027) |
HIGH |
| HBAN |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.8% |
— |
MEDIUM |
| HBAN |
Return |
5-day cumulative residual |
+0.8% (FADE) |
A clean conversion and modest reported beats support the initial reaction, but an FY2026 NII outlook of ~10.0% versus consensus 10.2% limits forward-estimate revisions; unchanged FY2027 EPS guidance of ~$1.915 versus consensus $1.91 leaves little out-period upside, causing part of the day-1 gain to fade. |
LOW |