Form: 11-K

Annual report of employee stock purchase, savings and similar plans

June 25, 2026

Documents

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Bancshares Incorporated | Common stock2025-12-310000049196hban:EBP002Memberus-gaap:CommonStockMember2025-12-310000049196hban:EBP002MemberInvesco Stable Value Trust B1 | Collective investment trust2025-12-310000049196hban:EBP002MemberPrudential Core Plus Bond Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberSpartan 500 Index Plus Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberSpartan Extended Market Index Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberSpartan Total International Index Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2020 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2025 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2030 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2035 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2040 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2045 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2050 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2055 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2060 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2065 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement 2070 Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberVanguard Target Retirement Income Fund | Collective investment trust2025-12-310000049196hban:EBP002MemberWellington CIF II | Collective investment trust2025-12-310000049196hban:EBP002Memberus-gaap:DefinedBenefitPlanCommonCollectiveTrustMember2025-12-310000049196hban:EBP002MemberEuropacific Growth Fund | Mutual fund2025-12-310000049196hban:EBP002MemberFidelity Government Cash Reserves Fund | Mutual fund2025-12-310000049196hban:EBP002MemberFidelity U.S. Bond Index Fund | Mutual fund2025-12-310000049196hban:EBP002MemberT. Rowe Price Small Cap Stock Fund | Mutual fund2025-12-310000049196hban:EBP002MemberVanguard Equity Income Fund | Mutual fund2025-12-310000049196hban:EBP002MemberVanguard Inflation Protected Securities Fund | Mutual fund2025-12-310000049196hban:EBP002Memberus-gaap:MutualFundMember2025-12-310000049196hban:EBP002MemberBrokerageLink accounts | Participant-directed brokerage2025-12-31

SECURITIES AND EXCHANGE COMMISSION
Washington D.C., 20549
 
FORM 11-K
 
 
ýANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
FOR THE FISCAL YEAR ENDED DECEMBER 31, 2025
OR
 
¨TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
FOR THE TRANSITION PERIOD FROM                      TO                     .
COMMISSION FILE NO. 1-34073 
 
A.Full Title of the Plan and the address of the Plan, if different from that of the issuer named below:
The Huntington 401(k) Plan
 
B.Name of issuer of the securities held pursuant to the Plan and the address of its principal executive office:
Huntington Bancshares Incorporated
Huntington Center
41 South High Street
Columbus, Ohio 43287



THE HUNTINGTON 401(k) PLAN
REQUIRED INFORMATION
Item 4. Financial Statements and Supplemental Schedule for the Plan.
The Huntington 401(k) Plan (the “Plan”) is subject to the Employee Retirement Income Security Act of 1974 (“ERISA”). In lieu of the requirements of Items 1-3 of this Form, the Plan is filing financial statements and a supplemental schedule prepared in accordance with the financial reporting requirements of ERISA. The Plan financial statements and supplemental schedule for the fiscal year ended December 31, 2025, are included as Exhibit 99.1 to this report on Form 11-K and are incorporated herein by reference. The Plan financial statements and supplemental schedule as of and for the year ended December 31, 2025 have been audited by Ary Roepcke Mulchaey, P.C., Independent Registered Public Accounting Firm, and their report is included therein.
EXHIBITS
 
 
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, Huntington Bancshares Incorporated has duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.
 
THE HUNTINGTON 401(k) PLAN
Date:June 25, 2026By:/s/ Zachary J. Wasserman
Zachary Wasserman
Sr. Executive Vice President and Chief Financial Officer
Huntington Bancshares Incorporated