For the year ending 2025-12-31, HBANL had $648M increase in cash & cash equivalents over the period. $2,215M in free cash flow.
| Cash Flow | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Net income | 2,229 | 1,960 | 1,971 | 2,249 |
| Provision for credit losses | 463 | 420 | 402 | 289 |
| Depreciation and amortization | - | 622 | 798 | 484 |
| Depreciation, amortization, and accretion | 762 | - | - | - |
| Share-based compensation expense | 113 | 106 | 97 | 105 |
| Deferred income tax benefit | -403 | -26 | -302 | 319 |
| Net losses (gains) on sales of securities | -58 | - | - | - |
| Gain from early extinguishment of debt | 11 | - | - | - |
| Trading account securities | 10 | -72 | 106 | -27 |
| Loans held for sale | 170 | 227 | 83 | -675 |
| Other assets | 825 | 761 | 491 | 1,156 |
| Short-term borrowings | 117 | - | - | - |
| Other liabilities | 230 | -344 | 341 | 1,024 |
| Other, net | 71 | 7 | -30 | -11 |
| Net cash provided by operating activities | 2,482 | 1,815 | 2,657 | 4,027 |
| Change in interest-earning deposits with banks | 297 | -254 | 23 | 332 |
| Net cash paid in business acquisition | - | 0 | - | 223 |
| Maturities and calls of available-for-sale securities | 7,137 | 11,001 | 2,689 | 4,053 |
| Maturities and calls of held-to-maturity securities | 1,642 | 1,397 | 1,523 | 2,803 |
| Maturities and calls of other securities | 109 | 57 | 615 | 832 |
| Sales of available-for-sale securities | 1,691 | 990 | 767 | 0 |
| Sales of other securities | 0 | 0 | 144 | - |
| Purchases of available-for-sale securities | 5,325 | 14,043 | 4,965 | 7,107 |
| Purchases of held-to-maturity securities | 515 | 2,037 | 256 | 3,229 |
| Purchases of other securities | 211 | 155 | 630 | 1,080 |
| Net proceeds from sales of loans and leases | 457 | 391 | 450 | 995 |
| Principal payments received under direct finance leases | 1,856 | 1,769 | 1,891 | 1,882 |
| Purchases of loans and leases | - | 680 | 71 | 610 |
| Net loan and lease activity, excluding sales and purchases | 12,850 | 10,025 | 5,108 | 10,169 |
| Purchases of premises and equipment | 267 | 143 | 140 | 214 |
| Purchases of loans and leases | 981 | - | - | - |
| Net accrued income and other receivables activity | 332 | 474 | 17 | 66 |
| Net cash paid for branch disposition | - | - | 0 | 0 |
| Net cash and cash equivalents received from business combinations | 864 | - | 0 | - |
| Other, net | -81 | -87 | -88 | -192 |
| Net cash used in investing activities | -6,347 | -12,119 | -2,997 | -11,609 |
| Increase in deposits | 3,646 | 11,218 | 3,316 | 4,651 |
| Increase (decrease) in short-term borrowings | 785 | -782 | -1,295 | 2,161 |
| Net proceeds from issuance of long-term debt | 2,500 | 7,661 | 14,965 | 11,004 |
| Repayment of long-term debt | 2,053 | 3,563 | 12,376 | 8,017 |
| Dividends paid on preferred stock | 108 | 143 | 134 | 113 |
| Dividends paid on common stock | 908 | 903 | 900 | 897 |
| Repurchases of common stock | - | - | 0 | 0 |
| Repurchase/redemption of preferred stock | 0 | 410 | 82 | 0 |
| Net proceeds from issuance of preferred stock | 741 | 0 | 317 | 0 |
| Other, net | -90 | -56 | -46 | -25 |
| Net cash provided by financing activities | 4,513 | 13,022 | 3,765 | 8,764 |
| Increase in cash and cash equivalents | 648 | 2,718 | 3,425 | 1,182 |
| Cash and cash equivalents at beginning of period | 12,847 | 10,129 | 6,704 | 5,522 |
| Cash and cash equivalents at end of period | 13,495 | 12,847 | 10,129 | 6,704 |
HUNTINGTON BANCSHARES INC MD (HBANL)
HUNTINGTON BANCSHARES INC MD (HBANL)