First Citizens BancShares vs Huntington
This page compares First Citizens BancShares and Huntington Bancshares Incorporated, highlighting their business models, financial performance, and market context in a clear, neutral manner. It outlines differences in approach and market positioning to help readers understand the landscape. Educational content, not financial advice.
This page compares First Citizens BancShares and Huntington Bancshares Incorporated, highlighting their business models, financial performance, and market context in a clear, neutral manner. It outlin...
Why It's Moving
First Citizens BancShares Crushes Q4 Earnings Expectations with Robust Growth and Dividend Boost.
- Earnings smashed estimates at $51.27 per share versus $44.24 expected, with revenue hitting $2.25 billion against $2.24 billion forecasts, underscoring operational strength.
- Board declared a $2.10 quarterly common stock dividend payable March 16, reinforcing commitment to shareholders while returning $900 million via repurchases and prepaying $2.5 billion debt.
- Analysts adjusted targets post-earnings—TD Cowen cut to $2,500 (Buy), Barclays to $2,346 (Equal-Weight), Citigroup to $2,100 (Neutral)—as shares dipped slightly to around $2,017.
Huntington Bancshares eyes record 2026 interest income amid merger momentum and solid Q4 results.
- Q4 interest income surged 14% to $1.6 billion, driven by higher margins and 14% YoY loan growth to $146.6 billion, signaling strong borrowing demand post-Fed rate cuts.
- Forecasts record 2026 interest income with loans up 11-12% and deposits growing 8-9%, boosted by $1.85-$1.90 billion from the impending Cadence merger.
- Maintained quarterly dividend at $0.155 per share and completed Veritex integration smoothly, enhancing Texas and Southern footprint for organic growth.
First Citizens BancShares Crushes Q4 Earnings Expectations with Robust Growth and Dividend Boost.
- Earnings smashed estimates at $51.27 per share versus $44.24 expected, with revenue hitting $2.25 billion against $2.24 billion forecasts, underscoring operational strength.
- Board declared a $2.10 quarterly common stock dividend payable March 16, reinforcing commitment to shareholders while returning $900 million via repurchases and prepaying $2.5 billion debt.
- Analysts adjusted targets post-earnings—TD Cowen cut to $2,500 (Buy), Barclays to $2,346 (Equal-Weight), Citigroup to $2,100 (Neutral)—as shares dipped slightly to around $2,017.
Huntington Bancshares eyes record 2026 interest income amid merger momentum and solid Q4 results.
- Q4 interest income surged 14% to $1.6 billion, driven by higher margins and 14% YoY loan growth to $146.6 billion, signaling strong borrowing demand post-Fed rate cuts.
- Forecasts record 2026 interest income with loans up 11-12% and deposits growing 8-9%, boosted by $1.85-$1.90 billion from the impending Cadence merger.
- Maintained quarterly dividend at $0.155 per share and completed Veritex integration smoothly, enhancing Texas and Southern footprint for organic growth.
Investment Analysis
Pros
- Strong liquidity position with liquid assets of $61.92 billion as of September 30, 2025, supporting financial stability and strategic initiatives.
- Ongoing growth driven by the acquisition of 138 BMO Bank branches, expanding footprint and increasing deposit liabilities by approximately $5.7 billion.
- Improved operating efficiency with the efficiency ratio improving from 57.92% to 56.78% in Q3 2025, alongside stable net interest margin at 3.26%.
Considerations
- Net income showed a slight decline in Q3 2025 despite strong loan growth, indicating potential pressure on profitability.
- Exposure to credit risk remains a key concern, especially in commercial lending portfolios, which could impact future earnings.
- Relatively high price multiples compared to some peers, such as a Price/Book ratio above 1.3, which may imply a premium valuation.
Huntington
HBAN
Pros
- Huntington Bancshares has demonstrated steady growth through diversified commercial and consumer banking operations across multiple U.S. regions.
- Robust deposit base and improved loan growth have contributed to consistent net interest income expansion over recent quarters.
- Investments in digital banking and technology upgrades position the bank well for future efficiency and customer engagement improvements.
Considerations
- Huntington faces cyclicality risk due to its significant exposure to regional economies that can be sensitive to economic downturns.
- Profitability metrics have been pressured by rising funding costs and competitive loan pricing environments.
- Regulatory and interest rate environment uncertainty present execution risks for planned growth strategies.
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First Citizens BancShares (FCNCA) Next Earnings Date
First Citizens BancShares (FCNCA) released its Q4 2025 earnings on January 23, 2026, just prior to the current date. The next earnings release, covering Q1 2026, is expected on or around April 23, 2026, consistent with the company's quarterly reporting pattern. Investors should monitor official announcements for any schedule adjustments.
Huntington (HBAN) Next Earnings Date
Huntington Bancshares (HBAN) reported its Q4 2025 earnings on Thursday, January 22, 2026, prior to market open. The next earnings release, covering the first quarter of 2026, is scheduled for Thursday, April 23, 2026, at 9 a.m. ET. This aligns with the company's pre-announced schedule through 2026.
First Citizens BancShares (FCNCA) Next Earnings Date
First Citizens BancShares (FCNCA) released its Q4 2025 earnings on January 23, 2026, just prior to the current date. The next earnings release, covering Q1 2026, is expected on or around April 23, 2026, consistent with the company's quarterly reporting pattern. Investors should monitor official announcements for any schedule adjustments.
Huntington (HBAN) Next Earnings Date
Huntington Bancshares (HBAN) reported its Q4 2025 earnings on Thursday, January 22, 2026, prior to market open. The next earnings release, covering the first quarter of 2026, is scheduled for Thursday, April 23, 2026, at 9 a.m. ET. This aligns with the company's pre-announced schedule through 2026.
Which Baskets Do They Appear In?
Banks Unleash Value
Major US banks are flexing their financial muscle by increasing dividends and launching buyback programs after acing the Fed's annual stress tests. These moves signal strength and confidence, creating opportunities for investors seeking both income and growth.
Published: July 2, 2025
Explore BasketWhich Baskets Do They Appear In?
Banks Unleash Value
Major US banks are flexing their financial muscle by increasing dividends and launching buyback programs after acing the Fed's annual stress tests. These moves signal strength and confidence, creating opportunities for investors seeking both income and growth.
Published: July 2, 2025
Explore BasketBuy FCNCA or HBAN in Nemo
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