What Analyst Projections for Key Metrics Reveal About Huntington Bancshares (HBAN) Q4 Earnings

Core Viewpoint - Huntington Bancshares (HBAN) is expected to report quarterly earnings of $0.39 per share, reflecting a 14.7% increase year-over-year, with revenues projected at $2.21 billion, a 12.3% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised 0.6% higher in the last 30 days, indicating analysts' positive reevaluation of their initial projections [2]. - Prior to earnings releases, revisions to earnings projections are crucial for predicting investor behavior, as studies show a strong correlation between earnings estimate trends and short-term stock performance [3]. Key Financial Metrics - Analysts project the 'Efficiency Ratio' to be 57.8%, down from 58.6% a year ago [5]. - The 'Net Interest Margin (FTE)' is expected to reach 3.2%, up from 3.0% in the same quarter last year [5]. - The 'Average Balance - Total earning assets' is estimated at $203.09 billion, compared to $185.22 billion in the same quarter of the previous year [6]. - The 'Tier 1 Leverage Ratio' is forecasted at 8.9%, up from 8.6% a year ago, while the 'Regulatory Tier 1 risk-based capital ratio' is expected to be 12.7%, compared to 11.9% last year [6]. Income Projections - 'Net interest income - FTE' is projected to reach $1.61 billion, compared to $1.41 billion in the same quarter last year [7]. - 'Total Non-Interest Income' is estimated at $601.80 million, up from $559.00 million a year ago [7]. - 'Capital markets and advisory fees' are expected to be $104.27 million, down from $120.00 million last year [8]. - 'Customer deposit and loan fees' are projected at $105.42 million, compared to $88.00 million last year [8]. - 'Payments and cash management revenue' is expected to be $177.18 million, up from $162.00 million last year [9]. - 'Wealth and asset management revenue' is projected at $105.54 million, compared to $93.00 million last year [9]. - 'Mortgage banking income' is expected to reach $35.53 million, up from $31.00 million in the same quarter last year [10]. Stock Performance - Over the past month, shares of Huntington Bancshares have returned +2.1%, slightly outperforming the Zacks S&P 500 composite's +2% change [11]. - Currently, HBAN holds a Zacks Rank 3 (Hold), suggesting its performance may align with the overall market in the near future [11].