First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through Regional Banking and Specialty Banking segments. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also accepts deposits; provides underwriting services for bank-eligible securities and other fixed-income securities by financial subsidiaries; sells loans and derivatives; financial planning; and offers investment and financial advisory services. In addition, it offers mortgage banking; loan syndications; brokerage services; commercial and business banking for business enterprises, consumer banking, and private client and wealth management services; capital markets, professional commercial real estate, mortgage warehouse and asset-based lending, franchise and equipment finance, tax credit finance, energy and healthcare finance, asset management, and corporate and correspondent banking services. Further, the company provides transaction processing services including check clearing services and remittance processing, credit cards, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

First Horizon Corporation

Huntington Bancshares Incorporated HBAN reported second-quarter 2025 adjusted earnings per share (EPS) of 38 cents, which matched the Zacks Consensus Estimate. In the prior-year quarter, the company reported EPS of 30 cents.
The result included 4 cents of impact to EPS, resulting from a $58 million decrease in pre-tax earnings from a securities repositioning.
Results have reflected improvements in net interest income (NII) and average loan and deposit balances. However, an increase in non-interest expenses and a decline in non-interest income were headwinds.
The company reported a net income attributable to common shareholders (GAAP basis) of $536 million in the quarter, which increased from $474 million reported in the prior-year quarter.
HBAN’s Revenues & Expenses Increase
Total quarterly revenues (on a fully taxable-equivalent or FTE basis) increased 10.8% year over year to $2.01 billion in the second quarter. The top surpassed the Zacks Consensus Estimate of $1.98 billion.
NII (FTE basis) was $1.48 billion, up 12% from the prior-year quarter’s tally. The increase was primarily due to a rise in average earning assets and net interest margin (NIM). NIM jumped 12 basis points to 3.11% in the reported quarter.
Non-interest income moved down 4% year over year to $471 million.
Non-interest expenses were up 7% year over year to $1.19 billion. The rise was mainly due to an increase in personnel costs, outside data processing and other services costs, net occupancy expenses and marketing costs.
The efficiency ratio was 59%, down from the year-ago quarter’s 60.8%. A fall in the efficiency ratio indicates an increase in profitability.
HBAN’s Loans and Deposits Increase
As of June 30, 2025, average loans and leases at Huntington inched up 2% sequentially to $133.2 billion. Average total deposits increased 1% to $163.4 billion.
HBAN’s Credit Quality: Mixed Bag
Net charge-offs were $66 million, down from $90 million reported in the prior-year quarter. The quarter-end allowance for credit losses increased 3.8% to $2.52 billion from the prior-year quarter. Total non-performing assets were $852 million as of June 30, 2025, up 9.2% from the prior-year quarter.
Net charge-offs/average total loans and leases were 0.20%, down from 0.29% in the prior-year quarter.
In the second quarter, the company recorded a provision for credit losses of $103 million, which increased 3% from the year-ago quarter.
HBAN’s Capital Ratios: Mixed Bag
The common equity tier 1 risk-based capital ratio was 10.5% in the second quarter, up from 10.4% in the year-ago period.
The regulatory Tier 1 risk-based capital ratio was 11.8%, down from 12.1% in the comparable period in 2024.
The tangible common equity to tangible assets ratio in the second quarter was 6.6%, which increased from 6% in the year-ago quarter.
Our View on HBAN
Huntington’s inorganic expansion moves are likely to bolster its revenue growth in the near term. Also, its efforts to expand its commercial banking capabilities and enhance its footprint in key growth markets, North Carolina and South Carolina and Texas, will support its financials in the long run. However, rising expenses and provisions are a concern for Huntington.
Huntington Bancshares Incorporated Price, Consensus and EPS Surprise
Currently, Huntington carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Banks
Synovus Financial Corp. SNV reported second-quarter 2025 adjusted EPS of $1.48, which surpassed the Zacks Consensus Estimate of $1.25. This compares favorably with the earnings of $1.16 per share a year ago. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
SNV’s results benefited from strong year-over-year growth in NII and non-interest revenues, along with a fall in provisions for credit losses. Also, improving loan balances were a tailwind. An increase in expenses, however, was a major headwind.
First Horizon Corporation’s FHN second-quarter 2025 adjusted EPS (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
FHN’s results benefited from a rise in NII and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
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Huntington Q2 Earnings Match Estimates, NII Rises Y/Y, Fee Income Down

Comerica Incorporated CMA has reported second-quarter 2025 adjusted earnings per share (EPS) of $1.42, beating the Zacks Consensus Estimate of $1.23. In the prior-year quarter, the company reported an EPS of $1.53.
Results benefited from a rise in net interest income (NII) and loan balance. Yet, lower deposit balances, decline in non-interest income and weak asset quality were concerning.
Net income attributable to common shareholders (GAAP basis) was $187 million, which declined 6.5% from the year-ago quarter.
Comerica's Revenues & Expenses Rise
Total quarterly revenues were $849 million, up 3% year over year. The top line surpassed the consensus estimate by 0.5%.
Quarterly NII rose 7.9% on a year-over-year basis to $575 million. The net interest margin increased 30 basis points year over year to 3.16%.
Total non-interest income was $274 million, down 5.8% on a year-over-year basis.
Non-interest expenses totaled $561 million, up 1.1% year over year. The rise was primarily due to an increase in Salaries and benefits expense and Occupancy expense.
The efficiency ratio was 65.78% compared with the prior-year quarter’s 67.77%. A fall in this ratio indicates increased profitability.
CMA’s Loans Balance Rise & Deposit Declines
As of June 30, 2025, total loans rose 2.5% on a sequential basis to $51.2 billion. Total deposits declined 2.4% from the previous quarter to $60 billion.
Comerica's Credit Quality Deteriorates
The company recorded a provision for credit loss of $44 million in the second quarter compared with no provision in the year-ago quarter.
The allowance for credit losses was $735 million, which rose 2.5% year over year.
Total non-performing assets rose 10.2% year over year to $249 million.
The allowance for credit losses to total loans ratio was 1.44% as of June 30, 2025, up from 1.38% as of June 30, 2024. Also, the company recorded net charge-offs of $28 million, significantly up from $11 million recorded in the year-ago quarter.
CMA's Capital Position Mixed Bag
The total capital ratio was 13.74%, down from 14.02% in the year-ago quarter. The Common Equity Tier 1 capital ratio was 11.94%, up from 11.55% in the prior-year quarter.
As of June 30, 2025, CMA's tangible common equity ratio was 8.04%, up from 6.49% in the prior-year quarter.
Comerica’s Capital Distribution Activities
The company repurchased $100 million of common stock under the share repurchase program.
Our View on CMA
The company’s decent capital position will aid capital distribution activities in the upcoming period, boosting investor confidence in the stock. Its focus on improving operational efficiency will support financials. The rise in NII looks encouraging. However, weak asset quality and a rise in expenses remain near-term concerns.
Comerica Incorporated Price, Consensus and EPS Surprise
Currently, Comerica carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Banks
Synovus Financial Corp. SNV reported second-quarter 2025 adjusted earnings per share of $1.48, which surpassed the Zacks Consensus Estimate of $1.25. This compares favorably with the earnings of $1.16 per share a year ago. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
SNV’s results benefited from strong year-over-year growth in NII and non-interest revenues, along with a fall in provisions for credit losses. Also, improving loan balances were a tailwind. An increase in expenses, however, was a major headwind.
First Horizon Corporation’s FHN second-quarter 2025 adjusted earnings per share (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
FHN’s results benefited from a rise in NII and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
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Comerica Q2 Earnings Top Estimates on Strength in NII & Loan Growth

First Horizon Corporation’s FHN second-quarter 2025 adjusted earnings per share (excluding notable items) of 45 cents surpassed the Zacks Consensus Estimate of 41 cents. This compares favorably with 36 cents in the year-ago quarter.
Results benefited from a rise in net interest income (NII) and non-interest income, along with a decline in expenses. Also, lower provisions and a rise in loans and deposit balances were other positives.
Net income available to its common shareholders (GAAP basis) was $233 million, up 27% year over year.
FHN’s Revenues Rise, Expenses Decline
Total quarterly revenues were $830 million, which rose 1.8% year over year. Also, the top line missed the Zacks Consensus Estimate by 0.9%.
NII increased nearly 2% year over year to $641 million. Additionally, the net interest margin increased 2 basis points from the prior-year quarter to 3.40%.
Non-interest income was $189 million, up 1.6% from the year-ago level.
Non-interest expenses decreased 1.8% year over year to $491 million. The fall was due to a decline in almost all cost components, except for occupancy and equipment costs, and salary and benefits.
The efficiency ratio was 59.20%, down from the year-ago period’s 61.44%. A fall in the efficiency ratio indicates a rise in profitability.
FHN’s Loans & Deposits Balances Increase
Total period-end loans and leases, net of unearned income, were $63.3 billion, which increased 1.7% from the end of the previous quarter. Total period-end deposits of $65.6 billion rose 2.1%.
FHN’s Credit Quality: Mixed Bag
Non-performing loans and leases of $593 million increased 3.3% from the prior-year period.
As of June 30, 2025, the ratio of total allowance for loans and lease losses to loans and leases was 1.29%, down from 1.31% in the prior-year quarter. The allowance for loan and lease losses of $814 million fell 0.8% from the year-ago period.
First Horizon witnessed net charge-offs of $34 million, which remained relatively flat on a year-over-year basis. Moreover, the provision for credit losses was $30 million, which plunged 45% from the year-earlier quarter.
FHN’s Capital Ratios Stable
As of June 30, 2025, the Common Equity Tier 1 ratio of 11% was stable compared with the year-ago quarter.
The total capital ratio was 14%, the same as the year-ago quarter level. The tier 1 leverage ratio was 10.6%, stable compared with the year-ago quarter level.
Our Viewpoint on FHN
First Horizon benefited from an increase in NII and reduced expenses. Also, a rise in loan and deposit balances is encouraging.
First Horizon Corporation Price, Consensus and EPS Surprise
FHN currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Dates & Expectations of Bank Stocks
Fifth Third Bancorp FITB is scheduled to release second-quarter 2025 earnings on July 17.
The consensus estimate for FITB’s quarterly earnings has been unchanged at 87 cents per share over the past seven days. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
Huntington Bancshares Inc. HBAN is slated to report second-quarter 2025 results on July 18.
Over the past seven days, the Zacks Consensus Estimate for HBAN’s quarterly earnings has been revised 8.6% upward to 38 cents per share.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Q2 Earnings Top Estimates as NII Rises, Expenses Decline

Regions Financial Corporation RF is scheduled to report second-quarter 2025 results on July 18, before the opening bell. Quarterly earnings and revenues are expected to have registered year-over-year growth in the to-be-reported quarter.
This Birmingham, AL-based player’s first-quarter 2025 earnings beat the Zacks Consensus Estimate, driven by a decline in non-interest expenses and an increase in non-interest income and net interest income (NII). However, a lower loan balance was concerning.
Regions Financial has an impressive earnings surprise history. Its earnings have surpassed estimates in each of the trailing four quarters, with an average surprise of 6.71%.
Regions Financial Corporation Price and EPS Surprise
The Zacks Consensus Estimate for second-quarter earnings of 56 cents per share has remained unchanged over the past seven days. The figure indicates a 7.7% rise from the year-ago reported number.
The consensus estimate for revenues is pegged at $1.85 billion, indicating a 7.1% increase from the prior-year reported figure.
Key Factors & Estimates for RF's Q2
NII & Loans: During the second quarter, the Federal Reserve kept interest rates steady at 4.25–4.5%, due to tariff-related uncertainty and its potential impact on the economy and inflation. As such, Regions Financial’s NII is likely to have witnessed growth, as funding/deposit costs stabilized.
Management expects NII to increase approximately 3% from first-quarter 2025 reported level. The Zacks Consensus Estimate is pegged at $1.2 billion, indicating a marginal increase on a sequential basis.
In the second quarter, the loan demand was impressive despite an uncertain macroeconomic backdrop. Per the Fed’s latest data, the demand for commercial and industrial loans was solid, while consumer loan demand was decent.
Given this, the company is likely to have witnessed improvement in average interest-earning assets in the second quarter of 2025. The Zacks Consensus Estimate of $1.39 billion for average earning assets indicates a marginal sequential increase.
Non-Interest Income: Global merger and acquisition (M&A) activities were better than expected in the second quarter of 2025. Markets stumbled in early April following Trump’s trade tariff announcement, which disrupted business sentiment. Nevertheless, as trade demand eased and policy direction became clearer, deal-making activities resumed in the last month of the quarter.
Regions Financial expects capital markets revenues to improve modestly in the second quarter of 2025 compared to the prior quarter, although they are likely to remain below the strong levels recorded in the year-ago period. The Zacks Consensus Estimate for capital markets income is pegged at $80.1 million, indicating a slight increase from the prior quarter.
Despite the central bank's interest rate cuts in 2024, mortgage rates did not decrease significantly in the second quarter. The rates fluctuated, but they remained in the mid-to-upper 6% range. As such, refinancing activities and origination volumes have not witnessed significant growth. This might have affected RF’s mortgage revenue growth to some extent in the second quarter of 2025.
The Zacks Consensus Estimate for mortgage income is pegged at $39.6 million, indicating a nearly 1% decline from the prior quarter’s reported figure.
The Zacks Consensus Estimate for card and ATM fees of $118.9 million suggests a 1.6% marginal rise on a sequential basis.
The consensus estimate for revenues of $163.1 million from service charges on deposit accounts for Regions Financial indicates a sequential increase of 1.3%.
The Zacks Consensus Estimate for wealth management income is pegged at $127.5 million, indicating a 1.2% decrease from the prior quarter’s reported number.
Overall, the Zacks Consensus Estimate for total non-interest income is pinned at $621.4 million, indicating a 5.3% sequential rise.
Expenses: RF’s expenses are expected to have been high in the quarter under discussion due to increases in salaries, employee benefit expenses, and other expenses. Although the company is implementing expense management actions, its ongoing investment in technology advancement and franchise strengthening is likely to have kept the expense base elevated.
Asset Quality: The company is likely to have set aside a substantial amount of money for potential bad loans, given the expectations of a higher interest rate backdrop for longer and tariff-related uncertainty.
The Zacks Consensus Estimate for non-performing assets is pegged at $899.1 million, indicating a 1.7% rise from the prior quarter's reported figure.
What Our Quantitative Model Predicts for RF
Our proven model predicts an earnings beat for Regions Financial this time. The combination of a positive Earnings ESP and Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Earnings ESP: Regions Financial has an Earnings ESP of +0.23%.
Zacks Rank: The company currently carries a Zacks Rank #2. Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.
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The Earnings ESP for U.S. Bancorp USB is +0.17% and it carries a Zacks Rank #3 at present. The company is slated to report second-quarter 2025 results on July 17. You can see the complete list of today’s Zacks #1 Rank stocks here.
Over the past seven days, the Zacks Consensus Estimate for U.S. Bancorp’s quarterly earnings has been unchanged at $1.07.
First Horizon FHN is scheduled to announce quarterly numbers on July 16. The company has an Earnings ESP of +0.20% and a Zacks Rank #3 at present.
Quarterly earnings estimates for First Horizon have remained unchanged at 41 cents over the past week.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Higher NII & Fee Income to Support Regions Financial's Q2 Earnings

(RTTNews) - First Horizon Corporation (FHN) will host a conference call at 9:30 AM ET on July 16, 2025, to discuss Q2 25 earnings results.
To access the live webcast, log on to https://ir.firsthorizon.com/events-and-presentations/Investor-Events--Presentations
To listen to the call, dial 1-833-470-1428 (U.S.) or 404-975-4839 (International), access code 804399.
For a replay call, dial 1-866-813-9403 (US); access code 939343.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Q2 25 Earnings Conference Call At 9:30 AM ET

The following companies are expected to report earnings prior to market open on 07/16/2025. Visit our Earnings Calendar for a full list of expected earnings releases.
Johnson & Johnson (JNJ)is reporting for the quarter ending June 30, 2025. The large cap pharmaceutical company's consensus earnings per share forecast from the 8 analysts that follow the stock is $2.66. This value represents a 5.67% decrease compared to the same quarter last year. In the past year JNJ has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 7.78%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for JNJ is 14.74 vs. an industry ratio of 15.40.
Bank of America Corporation (BAC)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 10 analysts that follow the stock is $0.86. This value represents a 3.61% increase compared to the same quarter last year. In the past year BAC has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 11.11%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for BAC is 12.83 vs. an industry ratio of 22.10.
ASML Holding N.V. (ASML)is reporting for the quarter ending June 30, 2025. The capital goods company's consensus earnings per share forecast from the 4 analysts that follow the stock is $5.94. This value represents a 37.50% increase compared to the same quarter last year. In the past year ASML has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 3.1%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ASML is 29.36 vs. an industry ratio of 32.20.
Morgan Stanley (MS)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.93. This value represents a 6.04% increase compared to the same quarter last year. In the past year MS has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 16.59%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for MS is 16.90 vs. an industry ratio of 22.10.
Goldman Sachs Group, Inc. (GS)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 7 analysts that follow the stock is $9.43. This value represents a 9.40% increase compared to the same quarter last year. In the past year GS has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 11.09%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for GS is 16.15 vs. an industry ratio of 22.10.
Progressive Corporation (PGR)is reporting for the quarter ending June 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 10 analysts that follow the stock is $4.30. This value represents a 62.26% increase compared to the same quarter last year. PGR missed the consensus earnings per share in the 1st calendar quarter of 2025 by -1.48%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PGR is 14.87 vs. an industry ratio of 10.80, implying that they will have a higher earnings growth than their competitors in the same industry.
Prologis, Inc. (PLD)is reporting for the quarter ending June 30, 2025. The reit company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.41. This value represents a 5.22% increase compared to the same quarter last year. In the past year PLD has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 2.9%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PLD is 19.18 vs. an industry ratio of 12.40, implying that they will have a higher earnings growth than their competitors in the same industry.
PNC Financial Services Group, Inc. (PNC)is reporting for the quarter ending June 30, 2025. The investment bankers company's consensus earnings per share forecast from the 10 analysts that follow the stock is $3.56. This value represents a 7.88% increase compared to the same quarter last year. In the past year PNC has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 3.24%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PNC is 13.07 vs. an industry ratio of 22.10.
M&T Bank Corporation (MTB)is reporting for the quarter ending June 30, 2025. The bank company's consensus earnings per share forecast from the 8 analysts that follow the stock is $4.04. This value represents a 6.60% increase compared to the same quarter last year. MTB missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.88%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for MTB is 12.53 vs. an industry ratio of 12.50, implying that they will have a higher earnings growth than their competitors in the same industry.
First Horizon Corporation (FHN)is reporting for the quarter ending June 30, 2025. The bank (southwest) company's consensus earnings per share forecast from the 6 analysts that follow the stock is $0.41. This value represents a 13.89% increase compared to the same quarter last year. FHN missed the consensus earnings per share in the 2nd calendar quarter of 2024 by -2.7%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for FHN is 12.85 vs. an industry ratio of 14.60.
Commerce Bancshares, Inc. (CBSH)is reporting for the quarter ending June 30, 2025. The bank (midwest) company's consensus earnings per share forecast from the 6 analysts that follow the stock is $1.02. This value represents a 4.67% decrease compared to the same quarter last year. In the past year CBSH has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 5.38%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CBSH is 16.20 vs. an industry ratio of 11.40, implying that they will have a higher earnings growth than their competitors in the same industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Pre-Market Earnings Report for July 16, 2025 : JNJ, BAC, ASML, MS, GS, PGR, PLD, PNC, MTB, FHN, CBSH

Huntington Bancshares Incorporated HBAN is slated to report second-quarter 2025 results on July 18, before the opening bell. The company’s quarterly revenues and earnings are expected to have increased year over year.
In the last reported quarter, the bank recorded an earnings surprise of 9.7%. Results reflected improvements in fee income and net interest income (NII). However, an increase in non-interest expenses was a headwind.
HBAN has an impressive earnings surprise history. Its earnings surpassed the Zacks Consensus Estimate in the trailing four quarters, the average beat being 9.13%.
Huntington Bancshares Incorporated Price and EPS Surprise
Per the company’s preliminary results for the second quarter, its earnings were 34 cents per share, stable with the prior quarter, reflecting an impact of 4 cents from securities repositioning. The Zacks Consensus Estimate for Huntington Bancshares’ second-quarter earnings of 34 cents per share has declined 2.9% in the past seven days. The figure indicates a 13.3% rise from the year-ago reported number.
Preliminary results indicate revenues to be $1.95 billion for the quarter. The consensus estimate for revenues is pegged at $1.99 billion, indicating a year-over-year rise of 9.6%.
Now, let us discuss the factors that might have influenced Huntington Bancshares’ second-quarter performance.
Key Factors & Estimates for HBAN’s Q2 Performance
Loans & NII: In the second quarter, the Federal Reserve kept interest rates unchanged at 4.25-4.5%. As such, HBAN’s NII is likely to have witnessed decent growth, given the relatively higher rates.
This is reinforced by the preliminary results, which reflect NII to be $1.5 billion, up 3% from the prior quarter. The Zacks Consensus Estimate aligns with this, suggesting a 2.7% sequential increase in NII to $1.46 billion.
Per the Fed’s latest data, the demand for commercial and industrial loans was strong while consumer loans held steady in the second quarter. This is expected to have supported Huntington Bancshares’ average interest-earning asset growth in the second quarter. The Zacks Consensus Estimate for average total earnings assets of $191.1 billion for the quarter under review indicates a 1.5% rise from the prior quarter’s reported level.
Non-Interest Income: Despite interest rate cuts by the central bank in 2024, mortgage rates did not come down significantly. The second quarter saw rates fluctuate, but they remained in the mid-to-upper 6% range. As such, refinancing activities and origination volumes were decent. This is expected to have supported HBAN’s mortgage revenue growth in the quarter to be reported.
The Zacks Consensus Estimate for mortgage banking income is pegged at $34 million, suggesting a 9.5% rise from the prior quarter's reported figure.
Global mergers and acquisitions (M&As) in the second quarter of 2025 were impressive than previously expected. Markets plunged in early April after Trump announced sweeping tariffs, rattling business confidence. But as trade demands eased and policy direction became clearer, deal-making activities resumed in the last month of the quarter.
Consequently, the company’s capital markets and advisory fees are expected to have risen in the second quarter.
The Zacks Consensus Estimate for capital markets and advisory fees is pegged at $76.2 million, indicating a 13.7% rise on a sequential basis.
The Zacks Consensus Estimate for wealth and asset management revenues is pegged at $103.6 million, indicating a 2.6% rise from the prior quarter’s reported figure.
The consensus estimate for customer deposit and loan fees for the second quarter is pegged at $88.6 million, indicating a 3% sequential rise.
The consensus mark for insurance income of $21 million implies a 4.7% rise from the quarter-ago reported figure.
The consensus mark for total non-interest income is pegged at $520.6 million, indicating a 5.4% decline from the prior quarter’s reported level.
Expenses: Huntington Bancshares’ higher expenses from outside data processing and other services, and deposit and marketing expenses are anticipated to have raised its costs in the second quarter. Also, the bank’s efforts to expand its commercial banking capabilities in high-growth markets by adding more branches and hiring professionals are expected to have increased expenses.
Though efficiency initiatives are likely to have reduced expenses to some extent, long-term investments in key growth initiatives are expected to have kept the company’s expense base higher.
Asset Quality: HBAN is likely to have set aside a substantial amount of money for potential delinquent loans, given the expectations of an economic slowdown and tariff-related uncertainty.
Preliminary results indicate a $37 million increase in the allowance for credit losses during the quarter, taking it to $2.5 billion.
The Zacks Consensus Estimate for total non-accrual loans of $774 million indicates a 3.5% increase from the prior quarter's reported figure.
What Does Our Model Unveil for HBAN?
Per our proven model, the chances of Huntington Bancshares beating estimates this time are low. This is because it does not have the right combination of the two key ingredients — a positive Earnings ESP and a Zacks Rank #3 (Hold) or higher. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Earnings ESP: Huntington Bancshares has an Earnings ESP of -2.42%.
Zacks Rank: HBAN currently carries a Zacks Rank of 2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Stocks to Consider
Here are some bank stocks that you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat this time around.
The Earnings ESP for First Horizon Corporation FHN is +0.20% and it carries a Zacks Rank #3 at present. The company is slated to report second-quarter 2025 results on July 16.
Over the past seven days, the Zacks Consensus Estimate for FHN’s quarterly earnings has been unchanged at 41 cents. (Find the latest earnings estimates and surprises on Zacks Earnings Calendar.)
Truist Financial TFC is scheduled to announce second-quarter 2025 results on July 18. The company carries a Zacks Rank #3 at present and has an Earnings ESP of +0.97%.
Quarterly earnings estimates for TFC have been revised 1.1% lower to 92 cents over the past week.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Higher NII & Fee Income to Aid Huntington Bancshares' Q2 Earnings

U.S. Bancorp USB is scheduled to report second-quarter 2025 results on July 17, 2025, before the opening bell. The company is expected to have witnessed year-over-year increases in quarterly revenues and earnings.
In the first quarter, U.S. Bancorp benefited from lower expenses, higher non-interest income and a rise in net interest income (NII).
USB has an impressive earnings surprise history. Its earnings beat estimates in the trailing four quarters, the surprise being 2.52%, on average.
U.S. Bancorp Price and EPS Surprise
Factors Influencing U.S. Bancorp’s Q2 Performance
NII: The Federal Reserve kept interest rates unchanged at 4.25-4.5% in the second quarter of 2025 after cutting the same last year. This is likely to have had some positive impacts on USB’s NII, given relatively lower funding costs.
Management expects NII for the second quarter of 2025 to be in the range of $4.1-$4.2 billion.
The consensus estimate for NII is pegged at $4.01 billion, indicating a marginal increase from the prior quarter’s reported figure.
Loans: Despite uncertainties surrounding tariff policies, lending activity remained strong in the second quarter, supported by a resilient labor market and easing inflation. Per the Federal Reserve’s latest data, the demand for commercial and industrial loans was notably strong, while demand for commercial real estate loans was moderate. As a result, USB’s lending activity is expected to have seen a decent improvement.
The Zacks Consensus Estimate of $611.2 million for average earning assets indicates a marginal sequential increase.
Non-Interest Income: The second quarter witnessed heightened market volatility and client activity because of uncertainty related to Trump’s tariff plans. Also, volatility was high in equity markets and other asset classes, including commodities, bonds and foreign exchange.
In the second quarter of 2025, trading volumes across equity derivatives and corporate bonds exhibited growth, reflecting heightened market activity and investor engagement. The Zacks Consensus Estimate for commercial product revenues is pegged at $391 million, indicating an increase of 2.4% from the prior quarter’s reported figure.
Despite interest rate cuts by the central bank in 2024, mortgage rates did not come down significantly. The second quarter saw rates fluctuate, but they remained in the mid-to-upper 6% range. Hence, refinancing activities and origination volume were decent. Thus, U.S Bancorp's mortgage banking fees are likely to have seen some improvement.
The Zacks Consensus Estimate for mortgage banking revenues is pegged at $179.6 million, which indicates a 3.8% increase from the prior quarter’s reported figure.
The Zacks Consensus Estimate for income from card revenues is pegged at $437.4 million, indicating a jump of 9.9% from the prior quarter’s reported figure.
The consensus mark for trust and investment management fees is pegged at $686.4 million, indicating a rise of roughly 1% from the prior quarter’s reported figure.
Overall, the Zacks Consensus Estimate for total non-interest income is pegged at $2.93 billion, indicating a sequential rise of 3.3%. Management expects total non-interest income to be $2.9 billion in the second quarter of 2025.
Expenses: Higher costs related to compensation, employee benefits, and net occupancy are expected to have kept the expense base elevated in the second quarter. Yet, the company’s focus on prudent expense management is likely to have offset the increase.
Management projects adjusted total non-interest expenses to be $4.2 billion or lower in the second quarter of 2025.
Asset Quality: The company is likely to have set aside a substantial amount of money for potential bad loans, given the expectations of a higher for longer interest rate backdrop and tariff-related uncertainty.
The Zacks Consensus Estimate for non-performing loans is pegged at $1.72 billion, indicating a rise of 1.8% from the prior quarter’s reported figure.
What the Zacks Model Unveils for USB
Per our proven model, the chances of U.S. Bancorp beating estimates this time are high. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. That is the case here, as you can see below. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Earnings ESP: U.S. Bancorp has an Earnings ESP of +0.21%.
Zacks Rank: USB currently carries a Zacks Rank of 3. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for second-quarter earnings of $1.07 has been unchanged in the past seven days. The figure indicates an increase of 9.2% from the year-ago reported number. Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.
The consensus estimate for second-quarter 2025 revenues is pegged at $7.06 billion, indicating a rise of 3.3% from the year-ago reported figure.
Other Stocks to Consider
Here are a couple of other bank stocks that you may want to consider, as our model shows that these also have the right combination of elements to post an earnings beat this time around.
The Earnings ESP for First Horizon Corporation FHN is +0.20% and it carries a Zacks Rank #3 at present. The company is slated to report second-quarter 2025 results on July 16.
Over the past seven days, the Zacks Consensus Estimate for FHN’s quarterly earnings has been unchanged at 41 cents.
Truist Financial TFC is scheduled to announce second-quarter 2025 results on July 18. The company carries a Zacks Rank #3 at present and has an Earnings ESP of +0.97%.
Quarterly earnings estimates for TFC have been revised 1.1% lower to 92 cents over the past week.
7 Best Stocks for the Next 30 Days
Just released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops."
Since 1988, the full list has beaten the market more than 2X over with an average gain of +23.5% per year. So be sure to give these hand picked 7 your immediate attention.
See them now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Higher NII & Non-Interest Income to Aid U.S. Bancorp's Q2 Earnings

Fifth Third Bancorp FITB is scheduled to report second-quarter 2025 results on July 17, before the opening bell. Quarterly earnings and revenues are expected to have registered year-over-year growth in the to-be-reported quarter.
In the last reported quarter, the bank’s results benefited from a rise in net interest income (NII) and loan balances. A reduction in expenses was another positive. However, a decline in fee income and weak asset quality were headwinds.
This Cincinnati, OH-based lender has an impressive earnings surprise history. Its earnings beat estimates in the trailing four quarters, the surprise being 3.45%, on average.
Fifth Third Bancorp Price and EPS Surprise
Factors Likely to Impact FITB’s Q2 Performance
Loans & NII: Per the Fed’s latest data, the overall loan demand was solid in the second quarter despite an uncertain macroeconomic backdrop. This is likely to have supported FITB's loan growth.
FITB expects second-quarter total average loans and leases to be 1% up from the first quarter’s reported figure. We estimate the metric to be $123 billion. This is likely to have supported the company’s average interest-earning assets.
The Zacks Consensus Estimate for average interest-earning assets of $194.7 billion for the second quarter indicates nearly 1% growth from the prior quarter’s actual. We project the metric to be the same as the consensus estimate.
In the second quarter, the Federal Reserve kept interest rates unchanged at 4.25–4.5%. This was due to uncertainty related to tariffs and their impact on the economy and inflation. As such, FITB’s NII is likely to have experienced modest growth, as funding costs declined/stabilized.
The company expects adjusted NII to rise 2-3% compared to the first quarter of 2025. The Zacks Consensus Estimate for NII of $1.48 billion indicates 3% sequential rise. Our estimate for the metric is the same as the Zacks Consensus Estimate.
Non-Interest Revenues: Global mergers and acquisitions (M&As) activities in the second quarter of 2025 turned out impressive than earlier projections. Markets initially tumbled in early April following Trump’s announcement of new trade tariffs, which rattled business sentiment. However, as trade demand eases and policy direction becomes clear, deal-making activities picked up again in the last month of the quarter.
With decent M&A volumes, advisory revenues are expected to have improved, supporting FITB’s commercial banking revenues.
The Zacks Consensus Estimate for commercial banking revenues is anticipated to be $90.7 million, indicating a 13.3% sequential rise. We project the metric to be $87.4 million.
Mortgage rates in the second quarter were volatile but remained in the mid-to-upper 6% range. As such, refinancing activities and origination volumes witnessed decent growth. This is likely to have aided FITB’s mortgage banking income in the second quarter of 2025.
The Zacks Consensus Estimate for the mortgage banking income is expected to be $59.7 million, suggesting an increase of 4.7% from the prior quarter’s reported figure. We estimate the metric to be $54.5 million.
The Zacks Consensus Estimate for wealth and asset management revenues is pegged at $171.2 million, suggesting a marginal decline from the prior quarter’s actual. Our estimate is pinned at $167.5 million.
Management expects non-interest income to rise 2-6% compared with the first-quarter reported level. The Zacks Consensus Estimate for non-interest income is pegged at $734.7 million, which indicates a 5.8% sequential rise. Our model estimates the metric to be $721.6 million.
Expenses: FITB expects adjusted non-interest expenses to decline 5% sequentially in the second quarter of 2025, due to its continued focus on disciplined expense management.Our estimate for total expenses is the same as the company guidance.
Asset Quality: As FITB had kept a substantial amount of money for potential delinquent loans in the prior quarters, we expect the company to maintain a modest reserve this time, given the expectations of higher interest rates for longer and the impacts of Trump’s tariffs on inflation.
The Zacks Consensus Estimate for non-performing assets is pegged at $920.7 million, indicating a 9.5% decline from the prior quarter's reported figure. Our model estimates the metric to be $800.3 million.
What the Zacks Model Reveals for FITB
Our proven model does not predict an earnings beat for Fifth Third this time. The combination of a positive Earnings ESP and Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. That is not the case here.
You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Earnings ESP: The Earnings ESP for Fifth Third is -0.46%.
Zacks Rank: The company currently carries a Zacks Rank of 3.
The Zacks Consensus Estimate for earnings for the to-be-reported quarter has remained unchanged at 87 cents over the past seven days. This indicates a 1.2% rise from the prior-year quarter’s actual. Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.
The consensus estimate for second-quarter revenues is pegged at $2.21 billion, suggesting a rise of 6.4% from the year-ago reported figure.
Stocks That Warrant a Look
Here are some bank stocks that you may want to consider, as our model shows that these have the right combination of elements to post earnings beats this time around.
The Earnings ESP for U.S. Bancorp USB is +0.21% and carries a Zacks Rank #3 at present. The company is slated to report second-quarter 2025 results on July 17. You can see the complete list of today’s Zacks #1 Rank stocks here.
Over the past seven days, the Zacks Consensus Estimate for U.S. Bancorp’s quarterly earnings has been unchanged at $1.07.
First Horizon FHN is also scheduled to announce quarterly numbers on July 16. The company has an Earnings ESP of +0.20% and carries a Zacks Rank #3 at present.
Quarterly earnings estimates for First Horizon have been unchanged at 41 cents over the past week.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Fifth Third to Report Q2 Earnings: What's in Store for the Stock?

In trading on Thursday, shares of First Horizon Corp's 4.70% Dep Shares Non-Cumulative Preferred Stock, Series F (Symbol: FHN.PRF) were yielding above the 6.5% mark based on its quarterly dividend (annualized to $1.175), with shares changing hands as low as $18.00 on the day. This compares to an average yield of 6.45% in the "Financial" preferred stock category, according to Preferred Stock Channel. As of last close, FHN.PRF was trading at a 27.44% discount to its liquidation preference amount, versus the average discount of 9.90% in the "Financial" category. Investors should keep in mind that the shares are not cumulative, meaning that in the event of a missed payment, the company does not have to pay the balance of missed dividends to preferred shareholders before resuming a common dividend.
The chart below shows the one year performance of FHN.PRF shares, versus FHN:
Below is a dividend history chart for FHN.PRF, showing historical dividend payments on First Horizon Corp's 4.70% Dep Shares Non-Cumulative Preferred Stock, Series F:
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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