Core Viewpoint - Huntington Bancshares Incorporated (HBAN) is expected to report an increase in third-quarter 2025 revenues and earnings year over year, driven by improvements in net interest income (NII) and average loan and deposit balances, despite challenges from rising non-interest expenses and declining fee income [1][10]. Group 1: Earnings and Revenue Expectations - The Zacks Consensus Estimate for NII is projected at $1.47 billion, reflecting an 8.7% increase from the previous year [3]. - The consensus estimate for total revenues is pegged at $2.1 billion, indicating an 8.9% year-over-year increase [15]. - The consensus estimate for earnings per share stands at 38 cents, suggesting a 15.2% rise from the year-ago figure [15]. Group 2: Loan and Asset Growth - Strong demand for commercial and industrial loans, as well as consumer loans, is anticipated to support average interest-earning asset growth, with the Zacks Consensus Estimate for average total earnings assets at $191.9 billion, a 5.6% rise from the prior year [4]. - The Zacks Consensus Estimate for total non-accrual loans is $795 million, indicating a 7.7% increase year over year [13]. Group 3: Non-Interest Income and Expenses - Mortgage banking income is estimated at $30.2 million, reflecting a 20.5% decline from the previous year due to stable mortgage rates and limited refinancing activities [6][5]. - The total non-interest income is expected to reach $555.2 million, indicating a 6.2% increase from the year-ago level [11]. - Higher expenses from data processing, marketing, and branch expansion are anticipated to impact overall costs, despite some efficiency initiatives [11][12]. Group 4: Market Conditions and M&A Activity - Global mergers and acquisitions rebounded in Q3 2025, positively influencing capital markets and advisory fees, which are estimated at $93.7 million, a 20.1% year-over-year increase [7][8]. - Wealth and asset management revenues are projected at $103.5 million, suggesting an 11.3% increase from the prior year [8].