0000049196-26-000066
SEC filingHuntington 二季度净利增 36%至 $727M，但 EPS 因收购摊薄降至 $0.33，Cadence 整合驱动增长。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Net interest income | $2,052M | $1,467M | +40% |
| Noninterest income | $785M | $471M | +67% |
| Total revenue (FTE) | $2,857M | $1,954M | +46% |
| Provision for credit losses | $132M | $103M | +28% |
| Noninterest expense | $1,809M | $1,197M | +51% |
| Net income attributable to Huntington | $727M | $536M | +36% |
| Diluted EPS | $0.33 | $0.34 | -3% |
| Net interest margin (FTE) | 3.21% | 3.11% | +10 bps |
| Efficiency ratio | 61.5% | 59.0% | +250 bps |
Q2 净利 $727M 同比 +36%，但 EPS 因收购摊薄降至 $0.33。增长主要由 Cadence 和 Veritex 收购驱动，平均生息资产 +35%，NIM 扩至 3.21%。Noninterest income 大增 67%，各主要类别均增长，其中 Capital markets fees +67%、Mortgage banking income +89%。Noninterest expense 增长 51%，含 $152M 收购相关费用，剔除后 +38%。盈利质量方面，NCOs 升至 0.25%，信贷成本上升。
| 分部 | 营收 | 同比 | 经营利润 | 利润率 | 驱动 |
|---|---|---|---|---|---|
| Consumer & Regional Banking | $2,300M | +44% | $714M | 31.0% | 收购及 NIM 扩张 |
| Commercial Banking | $994M | +44% | $463M | 46.6% | 贷款增长及费用收入 |
| 项目 | 本期 | 上期/变化 |
|---|---|---|
| Total assets | $284.0B | +26% |
| Total loans and leases | $189.4B | +27% |
| Total deposits | $222.5B | +26% |
| Allowance for credit losses | $3.4B | +$638M |
| NPAs | $1.6B | +71% |
| Operating cash flow | $1,647M | +$580M |
| Capex | $220M | +$112M |