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

Comerica Incorporated CMA has reported third-quarter 2025 earnings per share (EPS) of $1.35, beating the Zacks Consensus Estimate of $1.28. In the prior-year quarter, the company reported an EPS of $1.37.
Results have benefited from a rise in net interest income (NII) and deposit balance. Yet, lower loan balances, a decline in non-interest income, a rise in expenses, and weak asset quality were concerning.
Net income attributable to common shareholders was $175 million, which declined 1.1% from the year-ago quarter.
Comerica's Revenues & Expenses Rise
Total quarterly revenues were $838 million, up 3.3% year over year. The top line missed the consensus estimate by 0.7%.
Quarterly NII rose 7.5% on a year-over-year basis to $574 million. The net interest margin increased 29 basis points year over year to 3.09%.
Total non-interest income was $264 million, down 4.7% on a year-over-year basis.
Non-interest expenses totaled $589 million, up 4.8% year over year.
The efficiency ratio was 70.23% compared with the prior-year quarter’s 68.8%. A rise in this ratio indicates declining profitability.
CMA’s Loans Balance Decline & Deposit Rise
As of Sept. 30, 2025, total loans fell marginally on a sequential basis to $50.9 billion. Total deposits rose 4.3% from the previous quarter to $62.6 billion.
Comerica's Credit Quality Deteriorates
The company recorded a provision for credit loss of $22 million in the third quarter compared with $14 million in the year-ago quarter.
The allowance for credit losses was $725 million, which rose marginally year over year.
Total non-performing assets rose 4% year over year to $260 million.
The allowance for credit losses to total loans ratio was 1.43% as of Sept. 30, 2025, unchanged from the year-ago reported level. Also, the company recorded net charge-offs of $32 million, significantly up from $11 million in the year-ago quarter.
CMA's Capital Position Mixed Bag
The total capital ratio was 14.12%, down from 14.29% in the year-ago quarter. The Common Equity Tier 1 capital ratio was 11.90%, down from 11.96% in the prior-year quarter.
As of Sept. 30, 2025, CMA's tangible common equity ratio was 8.34%, up from 8.01% in the prior-year quarter.
Comerica’s Capital Distribution Activities
The company repurchased $150 million of common stock under the share repurchase program.
CMA’s Recent Development
This month, Comerica entered a definitive merger agreement with Fifth Third Bancorp FITB, under which the latter will acquire CMA in an all-stock transaction valued at $10.9 billion.
The transaction is expected to close by the end of the first quarter of 2026 and will combine two banking franchises to form the ninth-largest U.S. bank, with nearly $288 billion in assets, $224 billion in deposits, and $174 billion in loans.
The combined entity will operate in 17 of the 20 fastest-growing markets in the country, including key regions in the Southeast, Texas, and California, while reinforcing its leadership in the Midwest. Also, the combined loan book will have a more balanced composition, reducing commercial loan concentration from 44% to 36%. That diversification can prove critical in volatile credit cycles, helping stabilize earnings even if regional economies weaken.
Our View on CMA
Comerica’s third-quarter 2025 results reflect a mixed performance, with higher net interest income growth driving an earnings beat, while rising expenses and deteriorating credit quality tempered overall momentum.
Looking ahead, the planned $10.9-billion merger with Fifth Third Bancorp will position Comerica for expanded scale, improved diversification, and enhanced competitiveness in key growth markets. While near-term challenges persist, the strategic combination and continued focus on operational efficiency may bolster long-term shareholder value.
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 Another Bank
First Horizon Corporation’s FHN third-quarter 2025 adjusted earnings per share (excluding notable items) of 51 cents surpassed the Zacks Consensus Estimate of 45 cents. This compares favorably with 42 cents in the year-ago quarter.
FHN’s results benefited from a rise in net interest income and non-interest income, along with provision benefits. However, a decline in loan and deposit balances acted as a headwind.
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Comerica Q3 Earnings Top Estimates on Higher NII, Provision Up

Huntington Bancshares Incorporated HBAN reported third-quarter 2025 adjusted earnings per share (EPS) of 40 cents, which surpassed the Zacks Consensus Estimate of 38 cents. In the prior-year quarter, the company reported EPS of 33 cents.
Results reflected improvements in net interest income (NII) and non-interest income. Also, an increase in loan and deposit balances was also a tailwind. However, higher non-interest expenses acted as a spoilsport.
The result excluded 1 cent of the after-tax impact of notable Items. After considering this, the net income attributable to common shareholders (GAAP basis) was $629 million in the quarter, which increased from $517 million reported in the prior-year quarter.
HBAN’s Revenues & Expenses Increase
Total quarterly revenues (on a fully taxable-equivalent or FTE basis) increased 13.9% year over year to $2.15 billion in the third quarter. The top line surpassed the Zacks Consensus Estimate of $2.06 billion.
NII (FTE basis) was $1.52 billion, up 11.6% 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 15 basis points to 3.13% in the reported quarter.
Non-interest income moved up 20.1% year over year to $628 million.
Non-interest expenses were up 10.3% year over year to $1.24 billion. The rise was mainly due to an increase in almost all cost components except for deposit and other insurance expense.
The efficiency ratio was 57.4%, down from the year-ago quarter’s 59.4%. A fall in the efficiency ratio indicates an increase in profitability.
HBAN’s Loans and Deposits Increase
As of Sept. 30, 2025, average loans and leases at Huntington inched up 2.1% sequentially to $135.9 billion. Average total deposits increased nearly 1% to $164.8 billion.
HBAN’s Credit Quality: Mixed Bag
Net charge-offs were $75 million, down from $93 million reported in the prior-year quarter. The quarter-end allowance for credit losses increased 5.2% to $2.56 billion from the prior-year quarter. Total non-performing assets were $821 million as of Sept. 30, 2025, up 4.7% from the prior-year quarter.
Net charge-offs/average total loans and leases were 0.22%, down from 0.30% in the prior-year quarter.
In the third quarter, the company recorded a provision for credit losses of $122 million, which increased 15.1% from the year-ago quarter.
HBAN’s Capital Ratios Improve
The common equity tier 1 risk-based capital ratio was 10.6% in the third quarter, up from 10.4% in the year-ago period.
The regulatory Tier 1 risk-based capital ratio was 12.4%, up from 12.1% in the comparable period in 2024.
The tangible common equity to tangible assets ratio in the third quarter was 6.8%, which increased from 6.4% 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, South Carolina and Texas, will support its financials in the long run. However, rising expenses and provisions remain concerns for Huntington.
Huntington Bancshares Incorporated Price, Consensus and EPS Surprise
Huntington Bancshares Incorporated price-consensus-eps-surprise-chart | Huntington Bancshares Incorporated Quote
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.'s SNV third-quarter 2025 adjusted earnings per share of $1.46 surpassed the Zacks Consensus Estimate of $1.36 per share. This compares favorably with earnings of $1.23 per share a year ago.
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 was a tailwind. However, an increase in expenses was a major headwind.
First Horizon Corporation’s FHN third-quarter 2025 adjusted earnings per share (excluding notable items) of 51 cents surpassed the Zacks Consensus Estimate of 45 cents. This compares favorably with 42 cents in the year-ago quarter.
The results of FHN benefited from a rise in NII and non-interest income, along with provision benefits. However, a decline in loan and deposit balances acted as a headwind.
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Huntington Q3 Earnings Beat Estimates, NII & Fee Income Rise Y/Y

First Horizon Corporation’s FHN third-quarter 2025 adjusted earnings per share (excluding notable items) of 51 cents surpassed the Zacks Consensus Estimate of 45 cents. This compares favorably with 42 cents in the year-ago quarter.
Results benefited from a rise in net interest income (NII) and non-interest income, along with provision benefits. However, a decline in loan and deposit balances acted as a headwind.
Net income available to its common shareholders (GAAP basis) was $254 million, up 19.2% year over year.
FHN’s Revenues & Expenses Rise
Total quarterly revenues were $889 million, which rose 7.4% year over year. Also, the top line surpassed the Zacks Consensus Estimate by 5.1%.
NII increased nearly 7.5% year over year to $674 million. Additionally, the net interest margin increased 24 basis points from the prior-year quarter to 3.55%.
Non-interest income was $215 million, up 7.5% from the year-ago level.
Non-interest expenses increased 7.8% year over year to $551 million. The increase was due to a rise in almost all cost components, except for amortization of intangible assets.
The efficiency ratio was 61.92%, up from the year-ago period’s 61.89%. An increase in the efficiency ratio indicates a deterioration in profitability.
FHN’s Loans & Deposits Balances Decrease
Total period-end loans and leases, net of unearned income, were $63.05 billion, which decreased slightly from the end of the previous quarter. Total period-end deposits of $65.52 billion also declined moderately.
FHN’s Credit Quality: Mixed Bag
Non-performing loans and leases of $605 million increased 4.7% from the prior-year period.
As of Sept. 30, 2025, the ratio of total allowance for loans and lease losses to loans and leases was 1.23%, down from 1.32% in the prior-year quarter. The allowance for loan and lease losses of $777 million fell 5.6% from the year-ago period.
First Horizon witnessed net charge-offs of $26 million, which increased 8.3% on a year-over-year basis. Moreover, the company recorded provision benefits of $5 million in the third quarter, against a provision for credit losses of $35 million in the prior-year quarter.
FHN’s Capital Ratios Deteriorate
As of Sept. 30, 2025, the Common Equity Tier 1 ratio was 11%, down from 11.2% reported at the end of the year-ago quarter.
The total capital ratio was 13.8%, down from the year-ago quarter’s 14.2%. The tier 1 leverage ratio was 10.5%, also down from 10.6% in the year-ago quarter.
Our Viewpoint on FHN
First Horizon benefited from higher NII and non-interest income, as well as provision benefits. However, the slight declines in loan and deposit balances pose some concern.
First Horizon Corporation Price, Consensus and EPS Surprise
FHN currently carries a Zacks Rank #2 (Buy). 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 third-quarter 2025 earnings on Oct. 17.
The consensus estimate for FITB’s quarterly earnings has been revised downward to 87 cents per share over the past seven days.
Huntington Bancshares Inc. HBAN is also slated to report third-quarter 2025 results on Oct. 17.
Over the past seven days, the Zacks Consensus Estimate for HBAN’s quarterly earnings has been unchanged at 38 cents per share.
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First Horizon Q3 Earnings Top Estimates on Y/Y NII & Fee Income Growth

In trading on Wednesday, shares of First Horizon Corp (Symbol: FHN) crossed below their 200 day moving average of $23.48, changing hands as low as $20.70 per share. First Horizon Corp shares are currently trading down about 12.7% on the day. The chart below shows the one year performance of FHN shares, versus its 200 day moving average:
Looking at the chart above, FHN's low point in its 52 week range is $20.48 per share, with $24.92 as the 52 week high point — that compares with a last trade of $21.69.
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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.

Notable Two Hundred Day Moving Average Cross - FHN

For the quarter ended September 2025, First Horizon National (FHN) reported revenue of $893 million, up 7.9% over the same period last year. EPS came in at $0.51, compared to $0.42 in the year-ago quarter.
The reported revenue represents a surprise of +5.59% over the Zacks Consensus Estimate of $845.74 million. With the consensus EPS estimate being $0.45, the EPS surprise was +13.33%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Horizon performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 61.9% versus 59.4% estimated by four analysts on average.
Net Interest Margin (FTE): 3.6% versus the four-analyst average estimate of 3.4%.
Net charge-off ratio: 0.2% versus the three-analyst average estimate of 0.2%.
Total nonperforming loans and leases: $605 million compared to the $603.83 million average estimate based on two analysts.
Average Balance - Total interest earning assets: $76.03 billion versus the two-analyst average estimate of $76.29 billion.
Total Non-Interest Income: $215 million compared to the $191.94 million average estimate based on four analysts.
Net interest income (FTE): $678 million versus $657.64 million estimated by three analysts on average.
Net Interest Income: $674 million versus $654.15 million estimated by three analysts on average.
Shares of First Horizon have returned +3.4% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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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 (FHN) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

First Horizon National (FHN) came out with quarterly earnings of $0.51 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.42 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +13.33%. A quarter ago, it was expected that this bank holding company would post earnings of $0.41 per share when it actually produced earnings of $0.45, delivering a surprise of +9.76%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
First Horizon, which belongs to the Zacks Banks - Southwest industry, posted revenues of $893 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 5.59%. This compares to year-ago revenues of $828 million. The company has topped consensus revenue estimates two times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
First Horizon shares have added about 14.3% since the beginning of the year versus the S&P 500's gain of 13%.
What's Next for First Horizon?
While First Horizon has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for First Horizon was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.45 on $851.32 million in revenues for the coming quarter and $1.77 on $3.34 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 25% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, BancFirst (BANF), has yet to report results for the quarter ended September 2025.
This Oklahoma financial services holding company is expected to post quarterly earnings of $1.87 per share in its upcoming report, which represents a year-over-year change of +6.9%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
BancFirst's revenues are expected to be $173.4 million, up 5.9% from the year-ago quarter.
Should You Invest in First Horizon Corporation (FHN)?
Before you invest in First Horizon Corporation (FHN), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
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First Horizon National (FHN) Surpasses Q3 Earnings and Revenue Estimates

The following companies are expected to report earnings prior to market open on 10/15/2025. Visit our Earnings Calendar for a full list of expected earnings releases.
ASML Holding N.V. (ASML)is reporting for the quarter ending September 30, 2025. The capital goods company's consensus earnings per share forecast from the 2 analysts that follow the stock is $6.36. This value represents a 9.66% increase compared to the same quarter last year. ASML missed the consensus earnings per share in the 2nd calendar quarter of 2025 by -23.4%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ASML is 34.87 vs. an industry ratio of 37.60.
Bank of America Corporation (BAC)is reporting for the quarter ending September 30, 2025. The investment bankers company's consensus earnings per share forecast from the 10 analysts that follow the stock is $0.94. This value represents a 16.05% 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 2nd calendar quarter where they beat the consensus by 3.49%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for BAC is 13.24 vs. an industry ratio of 20.80.
Morgan Stanley (MS)is reporting for the quarter ending September 30, 2025. The investment bankers company's consensus earnings per share forecast from the 6 analysts that follow the stock is $2.08. This value represents a 10.64% 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 2nd calendar quarter where they beat the consensus by 10.36%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for MS is 17.51 vs. an industry ratio of 20.80.
Abbott Laboratories (ABT)is reporting for the quarter ending September 30, 2025. The medical products company's consensus earnings per share forecast from the 9 analysts that follow the stock is $1.30. This value represents a 7.44% increase compared to the same quarter last year. In the past year ABT has met analyst expectations once and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for ABT is 25.51 vs. an industry ratio of 8.20, implying that they will have a higher earnings growth than their competitors in the same industry.
Progressive Corporation (PGR)is reporting for the quarter ending September 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $5.08. This value represents a 41.90% 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 12.69 vs. an industry ratio of 13.30.
Prologis, Inc. (PLD)is reporting for the quarter ending September 30, 2025. The reit company's consensus earnings per share forecast from the 5 analysts that follow the stock is $1.44. This value represents a 0.70% 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 2nd calendar quarter where they beat the consensus by 3.55%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PLD is 19.54 vs. an industry ratio of 12.50, 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 September 30, 2025. The investment bankers company's consensus earnings per share forecast from the 10 analysts that follow the stock is $4.05. This value represents a 16.05% 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 2nd calendar quarter where they beat the consensus by 8.15%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for PNC is 11.98 vs. an industry ratio of 20.80.
Synchrony Financial (SYF)is reporting for the quarter ending September 30, 2025. The financial services company's consensus earnings per share forecast from the 10 analysts that follow the stock is $2.22. This value represents a 14.43% increase compared to the same quarter last year. In the past year SYF has beat the expectations every quarter. The highest one was in the 2nd calendar quarter where they beat the consensus by 45.35%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for SYF is 8.40 vs. an industry ratio of 19.60.
Citizens Financial Group, Inc. (CFG)is reporting for the quarter ending September 30, 2025. The bank (northeast) company's consensus earnings per share forecast from the 10 analysts that follow the stock is $1.02. This value represents a 29.11% increase compared to the same quarter last year. In the past year CFG has met analyst expectations once and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for CFG is 13.19 vs. an industry ratio of 11.90, 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 September 30, 2025. The bank (southwest) company's consensus earnings per share forecast from the 7 analysts that follow the stock is $0.45. This value represents a 7.14% increase compared to the same quarter last year. In the past year FHN has beat the expectations every quarter. The highest one was in the 2nd calendar quarter where they beat the consensus by 9.76%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for FHN is 12.68 vs. an industry ratio of 15.30.
Bank7 Corp. (BSVN)is reporting for the quarter ending September 30, 2025. The banks (southeast) company's consensus earnings per share forecast from the 1 analyst that follows the stock is $1.03. This value represents a 16.94% decrease compared to the same quarter last year. In the past year BSVN has beat the expectations every quarter. The highest one was in the 2nd calendar quarter where they beat the consensus by 18.37%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for BSVN is 10.49 vs. an industry ratio of 10.00, 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 October 15, 2025 : ASML, BAC, MS, ABT, PGR, PLD, PNC, SYF, CFG, FHN, BSVN

Huntington Bancshares Incorporated HBAN is slated to report third-quarter 2025 results on Oct. 17, 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’s results reflected improvements in net interest income (NII), and average loan and deposit balances. However, an increase in non-interest expenses and a decline in fee income were headwinds.
HBAN has an impressive earnings surprise history. Its earnings surpassed the Zacks Consensus Estimate in three of the trailing four quarters and matched once, the average beat being 7.34%.
Huntington Bancshares Incorporated Price and EPS Surprise
Now, let us discuss the factors that are likely to have influenced Huntington Bancshares’ third-quarter performance.
Key Factors & Estimates for HBAN’s Q3 Performance
Loans & NII: The Federal Reserve reduced interest rates by a 25-basis point (bps) near the end of the third quarter of 2025. This is unlikely to have impacted HBAN’s NII as the yields remained high for most of the quarter, while funding costs are likely to have stabilized.
The Zacks Consensus Estimate for NII is pegged at $1.47 billion, suggesting an 8.7% rise from the year-ago quarter reported level.
Per the Fed’s latest data, the demand for commercial and industrial loans and consumer loans was strong in the third quarter. This is expected to have supported Huntington Bancshares’ average interest-earning asset growth. The Zacks Consensus Estimate for average total earnings assets of $191.9 billion for the quarter under review indicates a 5.6% rise from the prior year’s reported level.
Non-Interest Income: Despite interest rate cuts by the central bank in September 2025, mortgage rates did not come down significantly. The third quarter saw rates fluctuate, but they remained range-bound. As such, refinancing activities and origination volumes did not witness significant growth. This is expected to have negatively impacted HBAN’s mortgage revenue growth in the quarter to be reported.
The Zacks Consensus Estimate for mortgage banking income is pegged at $30.2 million, suggesting a 20.5% fall from the prior-year quarter’s reported figure.
Global mergers and acquisitions (M&As) in the third quarter of 2025 rebounded impressively from the lows witnessed in April and May following President Trump’s announcement of ‘Liberation Day’ tariff plans. As corporates adapted to the rapidly evolving geopolitical and macroeconomic scenarios, larger M&A deals resumed. Consequently, the company’s capital markets and advisory fees are expected to have risen in the third quarter.
The Zacks Consensus Estimate for capital markets and advisory fees is pegged at $93.7 million, indicating a 20.1% rise on a year-over-year basis.
The Zacks Consensus Estimate for wealth and asset management revenues is pegged at $103.5 million, suggesting a 11.3% rally from the year-ago reported figure.
The consensus estimate for customer deposit and loan fees for the third quarter is pegged at $96.6 million, indicating 12.3% year-over-year growth.
The consensus mark for insurance income of $19.1 million implies a 5.9% rise from the year-ago quarter's reported figure.
The consensus mark for total non-interest income is pegged at $555.2 million, indicating a 6.2% increase from the year-ago 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 third quarter. Also, the bank’s efforts to expand its commercial banking capabilities in high-growth markets by adding more branches is 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 a higher-for-longer interest rate backdrop and tariff-related uncertainty.
The Zacks Consensus Estimate for total non-accrual loans of $795 million indicates a 7.7% increase from the year-ago quarter's reported figure. The Zacks Consensus Estimate for total non-performing assets of $852 million indicates an 8.7% rise from the year-ago 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 high. This is because it does 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 +0.46%.
Zacks Rank: HBAN currently carries a Zacks Rank of 3. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
The Zacks Consensus Estimate for Huntington Bancshares’ third-quarter earnings of 38 cents per share has been unchanged over the past seven days. The figure suggests a 15.2% rise from the year-ago reported number.
The consensus estimate for revenues is pegged at $2.1 billion, indicating a year-over-year rally of 8.9%.
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 +1.20% and it carries a Zacks Rank #2 at present. The company is slated to report third-quarter 2025 results on Oct. 15.
Over the past seven days, the Zacks Consensus Estimate for FHN’s quarterly earnings has been unchanged at 45 cents per share.
Truist Financial TFC is scheduled to announce third-quarter 2025 results on Oct. 17. The company has a Zacks Rank #3 at present and an Earnings ESP of +0.68%.
Quarterly earnings estimates for TFC have been unchanged at 98 cents per share 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.

Rise in NII & Fee Income to Drive Huntington Bancshares' Q3 Earnings

Comerica Incorporated CMA is scheduled to report third-quarter 2025 results on Oct. 17, before the opening bell. The bank’s revenues are expected to have increased, while earnings are likely to have declined from the year-ago quarter’s reported figures.
The bank’s earnings for the second quarter of 2025 beat the Zacks Consensus Estimate. Results benefited from higher net interest income (NII) growth, partially offset by lower non-interest income and higher expenses.
CMA has a decent earnings surprise history. Its earnings surpassed estimates in three of the trailing four quarters and missed once, the surprise being 9.30%, on average.
Comerica Incorporated Price and EPS Surprise
The Zacks Consensus Estimate for third-quarter 2025 earnings of $1.28 per share has remained unchanged over the past seven days. This indicates a 6.6% decline from the year-ago quarter’s reported figure.
The consensus estimate for third-quarter 2025 revenues is pegged at $843.6 million, implying a 4% increase from the year-ago reported figure.
Factors to Influence CMA’s Q3 Earnings
Loans & NII: Despite uncertainties surrounding tariff policies, lending activity remained decent in the third quarter, supported by improving macroeconomic clarity. Per the Fed’s latest data, the demand for overall loans was modest in the quarter.
From the end of the second quarter of 2025 through August 2025, the company’s average loans remained relatively flat on a sequential basis. Management expects seasonality to exert slight pressure on its earlier guidance that average loans would exceed the second-quarter 2025 level of $50.7 billion.
Given this, CMA’s average earning assets are likely to have witnessed modest growth in the quarter to be reported. The Zacks Consensus Estimate of $71.1 billion for average earning assets indicates a 1% increase on a sequential basis.
The Federal Reserve reduced interest rates to 4-4.25% near the end of the third quarter. This is unlikely to have a negative impact on CMA’s NII as the yields remained high for most of the quarter, while funding costs are likely to have stabilized.
The consensus estimate for NII is pegged at $569.4 million, indicating a 1% decline from the prior quarter's reported figure. Management expects third-quarter NII to be slightly down from the prior quarter’s figure of $575 million.
Non-Interest Income: Global mergers and acquisitions (M&As) in the third quarter of 2025 were impressive. Markets plunged in early April and May after Trump announced sweeping tariffs, rattling business confidence. As corporates adapted to the rapidly evolving geopolitical and macroeconomic scenarios, deal-making activity picked up.
The IPO market in the third quarter performed impressively, with a significant increase in both the number of IPOs and the amount of capital raised. This was driven by several factors, including strategic tariff pauses and positive economic data, which fueled the rise. Further, global bond issuance volume was decent.
Thus, the company’s capital market fees are likely to have witnessed decent growth in the quarter to be reported. The Zacks Consensus Estimate for capital markets income is pegged at $44.1 million, indicating a 5% sequential rise.
Average deposits (excluding brokered time deposits) rose 2.3% to $62.6 billion from the end of the second quarter through August 2025. Management now expects average deposits to exceed its earlier guidance of being modestly higher than the second-quarter 2025 level of $61.3 billion. As such, the company’s service charges on deposits are likely to have risen. The Zacks Consensus Estimate for service charge on deposit is pegged at $47.3 million, indicating an increase of 0.7% from the prior quarter’s actual.
The Zacks Consensus Estimate for card fees is pegged at $61.1 million, indicating a 3.5% rise from the prior quarter.
The Zacks Consensus Estimate for overall fee income is pinned at $274.2 million, indicating a marginal increase from the previous quarter’s actual. Management expects non-interest income to be relatively flat from the prior quarter’s actual of $274 million.
Expenses: The company is expected to have incurred higher expenses due to higher compensation expenses and lower gains on the sale of real estate. Such rising expenses are estimated to have weighed on its expense base to some extent in the quarter under review and hindered bottom-line growth.
Management projects non-interest expenses to increase slightly from the second-quarter 2025 reported level of $561 million as the company continues to balance strategic and risk management investments with the drive toward efficiency.
Asset Quality: The company is unlikely to have set aside a significant amount of money for potential bad loans, given the expectations of potential interest rate cuts as signaled by the Fed alongside improving macroeconomic clarity.
The Zacks Consensus Estimate for non-performing loans is pegged at $249 million, indicating a marginal rise from the prior quarter's reported figure.
What Does Our Model Unveil for CMA?
Per our proven model, the chances of Comerica beating estimates this time are low. 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 not 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: Comerica has an Earnings ESP of -1.92%.
Zacks Rank: CMA currently carries a Zacks Rank of 3.
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 +1.20% and it carries a Zacks Rank #2 at present. The company is slated to report third-quarter 2025 results on Oct. 15.
Over the past seven days, the Zacks Consensus Estimate for FHN’s quarterly earnings has been unchanged at 45 cents per share.
Truist Financial TFC is scheduled to announce third-quarter 2025 results on Oct. 17. The company has a Zacks Rank #3 at present and an Earnings ESP of +0.68%.
Quarterly earnings estimates for TFC have remained unchanged at 98 cents per share over the past week.
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With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
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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.

Comerica's Q3 Earnings to be Hurt by Higher Expenses & Lower NII

Fifth Third Bancorp FITB is scheduled to report third-quarter 2025 results on Oct. 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), fee income and loan balances. However, a rise in expenses 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 3.71%, on average.
Fifth Third Bancorp's Price and EPS Surprise
Factors Likely to Impact FITB’s Q3 Performance
Loans & NII: Per the Fed’s latest data, overall loan demand remained strong in the third quarter of 2025. This is likely to have aided FITB’s loan growth.
FITB expects third-quarter total average loans and leases to remain stable or grow nearly 1% up from the second quarter’s reported figure. We estimate the metric to be $124.9 billion. This is likely to have supported the company’s average interest-earning assets.
The Zacks Consensus Estimate for average interest-earning assets of $193.6 billion for the third quarter indicates marginal growth from the prior quarter’s actual. We project the metric to be $194.6.
In September, the Federal Reserve reduced interest rates by 25 basis points to a range of 4.00–4.25%. With rates remaining largely stable throughout most of the quarter, funding and deposit costs likely stabilized, supporting modest growth in the company’s NII.
The company expects third-quarter adjusted NII to rise 1% on a sequential basis. The Zacks Consensus Estimate for NII of $1.52 billion indicates a 1.9% sequential rise. Our estimate suggests the metric to be $1.51 billion.
Non-Interest Revenues: Global mergers and acquisitions (M&As) rebounded impressively in the third quarter of 2025 from the lows witnessed in April and May following President Trump’s announcement of ‘Liberation Day’ tariff plans. As corporates adapted to the rapidly evolving geopolitical and macroeconomic scenarios, larger M&A deals kicked in.
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 $91.5 million, indicating a 15.8% sequential rise. We project the metric to be $99.3 million.
Though mortgage rates declined notably during the third quarter, they remained relatively range bound. As a result, refinancing and origination activities did not witness meaningful growth. Consequently, FITB’s mortgage banking income is expected to have been impacted negatively.
The Zacks Consensus Estimate for mortgage banking income is expected to be $53.4 million, indicating a 4.7% decrease from the prior quarter’s reported figure. We estimate the metric to be $43.3 million.
The Zacks Consensus Estimate for wealth and asset management revenues is pegged at $174.7 million, indicating a 5.2% increase from the prior quarter’s actual results. Our estimate is pinned at $179.1 million.
Management expects third-quarter non-interest income to rise 5-7% compared with the second-quarter reported level. The Zacks Consensus Estimate for non-interest income is pegged at $769.4 million, which indicates a 2.6% sequential rise. Our model estimates the metric is the same as the Zacks estimate.
Expenses: The company’s expenses are expected to have remained elevated in the third quarter of 2025, driven by continued investments in technology and initiatives to enhance customer experience. Higher compensation and benefits expenses, along with branch expansion, are likely to have kept overall costs high during the period.
FITB expects adjusted non-interest expenses to increase 1% sequentially in the third quarter of 2025. We estimate non-interest expenses to rise slightly on a sequential basis to $1.3 billion.
Asset Quality: As FITB had kept a substantial amount of money for potential delinquent loans in prior quarters, we expect the company to maintain a modest reserve this time, given the expectations of two more interest rate cuts amid the persistent impact of Trump’s tariffs on inflation.
The Zacks Consensus Estimate for non-performing assets is pegged at $892.6 million, indicating a 2.2% decline from the prior quarter's reported figure. Our model estimates the metric to be $865 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 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: The Earnings ESP for Fifth Third is 0.00%.
Zacks Rank: The company currently carries a Zacks Rank of 3.
The Zacks Consensus Estimate for earnings for the to-be-reported quarter has been revised downward to 87 cents over the past seven days. This indicates a 2.4% rise from the prior-year quarter’s actual.
The consensus estimate for third-quarter revenues is pegged at $2.29 billion, suggesting a rise of 7.4% 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 beat this time around.
The Earnings ESP for State Street Corporation STT is +0.45% and carries a Zacks Rank #1 at present. The company is slated to report third-quarter 2025 results on Oct. 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 STT’s quarterly earnings has been revised upward to $1.11.
First Horizon Corporation FHN is also scheduled to announce quarterly numbers on Oct. 15. The company has an Earnings ESP of +1.20% and carries a Zacks Rank #2 at present.
Quarterly earnings estimates for FHN have been unchanged at 45 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.