Huntington Bancshares Incorporated FY 2025 10-K, explained in plain English

Key financials — as reported

Total revenue	$1.6B
Gross margin	— not reported
Operating income	— not reported
Net income	$2.2B
Diluted EPS	$1.39
Cash & equivalents	— not reported
Total assets	$225.1B
Long-term debt	$17.2B

Key takeaway

Huntington completed the Cadence acquisition in 2025, adding three new board directors and $864 million in acquired cash, expanding the company's footprint and total assets to $225.1 billion.

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Beneath the surface

Available-for-sale securities carry $2.44 billion in unrealized losses, with $2.43 billion of that concentrated in positions held 12+ months or longer, suggesting significant embedded losses from the rate environment that could pressure capital if securities were sold.

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