0000049196-26-000060
SEC filingHuntington二季度净利7.27亿美元，EPS 0.33美元，受Cadence收购整合及费用收入增长驱动。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Net income attributable to Huntington | $727M | $536M | +36% |
| Diluted EPS (GAAP) | $0.33 | $0.34 | -$0.01 |
| Adjusted EPS (Non-GAAP) | $0.39 | — | — |
| Net interest income | $2,052M | $1,467M | +40% |
| Noninterest income | $785M | $471M | +67% |
| Total noninterest expense | $1,809M | $1,197M | +51% |
| Provision for credit losses | $132M | $103M | +$29M |
| Net charge-offs | $119M | $66M | +$53M |
| Net interest margin | 3.21% | 3.11% | +10bp |
| Efficiency ratio | 61.5% | 59.0% | +250bp |
| Return on average assets | 1.02% | 1.04% | -2bp |
| Return on average common equity | 9.3% | 11.0% | -170bp |
| Return on average tangible common equity (Non-GAAP) | 15.1% | 16.1% | -100bp |
| Tangible book value per common share | $9.65 | $9.13 | +6% |
| NCOs as a % of average loans and leases | 0.25% | 0.20% | +5bp |
| NAL ratio | 0.84% | 0.62% | +22bp |
| ACL as a % of total loans and leases | 1.78% | 1.86% | -8bp |
| Common Equity Tier 1 risk-based capital ratio | 10.0% | 10.5% | -50bp |
| 期间 | 指标 | 指引 | 口径 |
|---|---|---|---|
| Q4 FY2026 | 合并协同效应全面显现 | 第四季度全面显现合并伙伴的盈利潜力 | 管理层定性指引 |
简评
Huntington 2026年第二季度净收入7.27亿美元，EPS 0.33美元，环比大增39%，主要受Cadence收购（2月1日完成）带来的资产规模扩张驱动。净利息收入同比增40%至20.52亿美元，非利息收入同比增67%至7.85亿美元，其中资本市场和咨询费、支付及现金管理收入、财富管理收入均录得两位数增长。净息差同比升10个基点至3.21%，主要反映融资成本下降，但环比降3个基点，因整体融资成本温和上升。费用端，报告口径非利息支出同比增51%，剔除Notable Items后增39%，主要反映收购整合相关的人员、技术和数据支出。
信贷质量整体稳健但有所弱化：净核销率0.25%，同比升5个基点；不良资产率0.85%，环比升13个基点，主要受Cadence和Veritex收购带入的商业及工业、住宅抵押贷款和商业地产不良贷款影响。拨备覆盖率（ACL/总贷款）1.78%，与上季持平，同比降8个基点。资本方面，CET1比率10.0%（预估），环比降20个基点，主要因风险加权资产增加和股票回购；有形普通股权益比率7.1%，同比升50个基点。管理层强调Cadence系统转换成功，预计第四季度全面显现合并协同效应，并重申实现盈利和账面价值持续增长的目标。二季度回购1.59亿美元普通股，年初至今回购3.09亿美元，延续资本回报承诺。