Core Insights - Zacks Premium provides various tools for investors to enhance their stock market engagement and confidence [1] - The Zacks Style Scores are designed to help investors select stocks with the highest potential to outperform the market in the short term [2] Zacks Style Scores Overview - Stocks are rated from A to F based on value, growth, and momentum characteristics, with A being the highest score [3] - The Style Scores are categorized into four types: Value Score, Growth Score, Momentum Score, and VGM Score [3][4][5][6] Value Score - The Value Score identifies undervalued stocks using financial ratios such as P/E, PEG, Price/Sales, and Price/Cash Flow [3] Growth Score - The Growth Score focuses on a company's financial health and future growth potential, analyzing projected and historical earnings, sales, and cash flow [4] Momentum Score - The Momentum Score helps investors capitalize on price trends, utilizing metrics like one-week price changes and monthly earnings estimate changes [5] VGM Score - The VGM Score combines all three Style Scores, providing a comprehensive assessment of stocks based on value, growth, and momentum [6] Zacks Rank Integration - The Zacks Rank uses earnings estimate revisions to guide investors, with 1 (Strong Buy) stocks achieving an average annual return of +23.81% since 1988, significantly outperforming the S&P 500 [7] - There are over 800 stocks rated 1 or 2, making it essential to use Style Scores to narrow down choices [8] Stock Selection Strategy - Investors should prioritize stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal success [9] - The direction of earnings estimate revisions is crucial; stocks with lower ranks may still have good Style Scores but are likely to decline [10] Company Spotlight: Huntington Bancshares - Huntington Bancshares is a diversified regional bank headquartered in Columbus, OH, offering a range of financial services [11] - The company holds a Zacks Rank of 3 (Hold) and has a VGM Score of B, indicating solid performance potential [11] - It features a Value Style Score of B, with a forward P/E ratio of 10.83, making it attractive to value investors [12] - Recent upward revisions in earnings estimates and a consensus estimate of $1.47 per share for fiscal 2025 highlight its growth potential [12]

Core Viewpoint - Wall Street anticipates a year-over-year increase in earnings for Huntington Bancshares, driven by higher revenues, with a focus on how actual results compare to estimates impacting stock price [1][2]. Earnings Expectations - Huntington Bancshares is expected to report quarterly earnings of $0.38 per share, reflecting a year-over-year increase of +15.2% [3]. - Revenues are projected to reach $2.06 billion, representing an 8.9% increase from the same quarter last year [3]. Estimate Revisions - The consensus EPS estimate has been revised 1.01% higher in the last 30 days, indicating a positive reassessment by analysts [4]. - The Most Accurate Estimate for Huntington Bancshares is higher than the Zacks Consensus Estimate, resulting in an Earnings ESP of +0.17% [12]. Earnings Surprise Prediction - A positive Earnings ESP reading suggests a likely earnings beat, especially when combined with a Zacks Rank of 1, 2, or 3 [10]. - The company has beaten consensus EPS estimates three out of the last four quarters, indicating a strong potential for a positive surprise [14]. Industry Context - In the Zacks Banks - Midwest industry, Commerce Bancshares is expected to report earnings of $1.09 per share, with a year-over-year change of +1.9% and revenues of $438.41 million, up 4% from the previous year [18]. - Commerce Bancshares has a positive Earnings ESP of +0.86% and has consistently beaten consensus EPS estimates in the last four quarters [19].

Group 1 - Huntington Bancshares Incorporated will release its third quarter 2025 financial results on October 17, 2025, before market opening [1] - A conference call to discuss the quarterly financial results is scheduled for 9 a.m. ET on the same day [1] - The company operates as a regional bank holding company with $208 billion in assets and provides a range of financial services [4] Group 2 - The conference call can be accessed via a live Internet webcast or through a dial-in telephone number [2] - A replay of the conference call will be available approximately two hours after its completion and will last until October 25, 2025 [3] - Huntington operates 968 branches across 13 states, offering services to various customer segments [4]

Core Insights - Huntington Bancshares Incorporated (HBAN) is a diversified regional bank holding company based in Columbus, Ohio, with a market cap of $25.1 billion, providing various banking services to both corporations and individuals [1] Financial Performance - Analysts anticipate HBAN will report an adjusted profit of $0.37 per share for Q3, reflecting a 12.1% increase from $0.33 per share in the same quarter last year [2] - For the full fiscal year 2025, HBAN is projected to achieve an adjusted EPS of $1.46, representing a 17.7% increase from $1.24 in 2024, with further growth expected in fiscal 2026 to $1.61 per share, a 10.3% year-over-year increase [3] Stock Performance - Over the past 52 weeks, Huntington's stock has increased by 21.5%, outperforming the S&P 500 Index's 17.8% rise and the Financial Select Sector SPDR Fund's 19.7% gains [4] Recent Earnings Insights - In Q2, HBAN reported a 3.2% year-over-year growth in total interest income to $2.6 billion, with net interest income rising 12.5% year-over-year to $1.4 billion, despite a 4.1% decline in non-interest income to $471 million [5][6] - The company's income before taxes grew modestly by 8.8% to $638 million, primarily due to a temporary drop in interest expenses [6] Analyst Sentiment - Analysts maintain a consensus "Strong Buy" rating for HBAN, with 16 out of 22 analysts recommending "Strong Buy," one "Moderate Buy," four "Holds," and one "Strong Sell," indicating a mean price target of $19.76, suggesting a 14.8% upside potential from current levels [7]

Core Insights - Huntington Bancshares (NASDAQ: HBAN) has shown strong performance over the past year, with a share price increase of approximately 21% [1] - The regional bank has achieved robust credit underwriting results, contributing to its growth [1] - Expansion efforts into growth markets such as the Carolinas and Texas are supporting the bank's overall growth strategy [1]

Core Viewpoint - Huntington Bancshares and Veritex Holdings have received all necessary regulatory approvals for their merger, with the transaction expected to be completed on October 20, 2025 [1] Company Summary - The merger involves Veritex being merged into Huntington, which will continue as the surviving corporation [1] - Veritex Community Bank will merge into The Huntington National Bank as part of the transaction [1] Regulatory Approval - The merger has been approved by the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency [1] - All required regulatory approvals have been obtained, indicating a significant step towards finalizing the merger [1]

Core Viewpoint - The Federal Reserve Board has approved Huntington Bancshares Incorporated's application to acquire Veritex Holdings, Inc., which includes the indirect acquisition of Veritex Community Bank [1] Group 1 - Huntington Bancshares Incorporated is based in Columbus, Ohio [1] - Veritex Holdings, Inc. and Veritex Community Bank are located in Dallas, Texas [1]

Core Insights - Huntington National Bank has appointed Jim Danneman as Regional President for the Southern Ohio/Kentucky region, bringing over 30 years of experience in commercial and private banking [1][2] Company Overview - Huntington Bancshares Incorporated is a regional bank holding company with $208 billion in assets, headquartered in Columbus, Ohio, and operates 971 branches across 13 states [6] Leadership and Strategy - Jim Danneman is recognized for his integrity, market insight, and relationship-building skills, which are expected to positively impact the Southern Ohio/Kentucky team [2] - Danneman will lead Huntington's regional banking model, focusing on strategic leadership and expanding business and community relationships in the region [2][3] Regional Operations - Huntington Bank operates approximately 50 branches in the Southern Ohio/Kentucky region and employs nearly 800 staff, offering a comprehensive suite of financial services [3] Personal Background - Jim Danneman has held various roles at Fifth Third Bank, U.S. Bank, and Bank of America, most recently leading the Middle Market banking team for Fifth Third's Cincinnati region [3][4] - He holds a BSBA in Economics and an MBA from Xavier University and is actively involved in community service [4]

Group 1: Huntington Bancshares Expansion - Huntington Bancshares has entered a definitive agreement to acquire Veritex Holdings, expected to close in Q4 2025, adding approximately $13 billion in assets, $9 billion in loans, and $11 billion in deposits [1][9] - The company has previously acquired Capstone Partners and Torana to enhance its capital markets and digital capabilities, respectively, and completed a merger with TCF Financial to become one of the top 25 U.S. bank holding companies [2][9] - Huntington is advancing its multi-year strategy to expand commercial banking in key growth markets, launching operations in Charlotte and planning to hire over 350 employees and open 55 branches in the next five years [3][4] Group 2: Other Firms' Expansion Efforts - First Financial Bancorp agreed to acquire BankFinancial Corporation in an all-stock transaction valued at approximately $142 million to strengthen its footprint in the Chicagoland market [5][6] - Glacier Bancorp entered a definitive agreement to acquire Guaranty Bancshares for $476.2 million, capitalizing on Texas's robust economy and enhancing its community banking commitment [7][8]

Core Insights - True Link and Huntington Bank are introducing innovative tools for family banking to assist Americans managing finances for loved ones, addressing a significant gap in the banking industry [1][3][4] Group 1: Market Need and Opportunity - Over 100 million Americans are involved in managing finances for family members, including aging parents and individuals with disabilities, highlighting a substantial market need [2][4] - 86% of Americans managing someone else's finances express the need for supportive tools from financial institutions [1][4] Group 2: Product Offerings - Huntington Bank is launching dedicated Caregiver and Teen Banking services, integrating True Link's platform to provide practical financial management tools [3][5] - True Link's technology allows caregivers to set spending limits and block potentially harmful transactions, enhancing financial safety while preserving autonomy for loved ones [5][8] Group 3: Business Model and Growth - True Link has successfully served over 250,000 families and manages nearly $2 billion in assets, demonstrating a strong business case for family banking solutions [4][8][10] - The company has been recognized in the Forbes Fintech 50 and Inc. 5000, indicating its leadership and growth potential in the financial technology sector [4][8] Group 4: Strategic Importance - The collaboration between True Link and Huntington aims to deepen customer trust and loyalty by providing essential tools during critical life moments [6][7] - As family responsibilities in financial management increase, banks that offer tailored solutions can unlock new growth opportunities [7][10]