亨廷顿银行 2025年度报告

FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACTOF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 FOR THE TRANSITION PERIOD FROMTO. COMMISSION FILE NO. 1-34073 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 Name of issuer of the securities held pursuant to the Plan and the address of its principal executive office: Huntington Bancshares IncorporatedHuntington Center41 South High StreetColumbus, Ohio 43287 THE HUNTINGTON 401(k) PLAN REQUIRED INFORMATION Item4. 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 therequirements of Items 1-3 of this Form, the Plan is filing financial statements and a supplemental schedule prepared in accordancewith the financial reporting requirements of ERISA. The Plan financial statements and supplemental schedule for the fiscal year endedDecember31, 2025, are included as Exhibit 99.1 to this report on Form 11-K and are incorporated herein by reference. The Planfinancial statements and supplemental schedule as of and for the year ended December31, 2025 have been audited by Ary RoepckeMulchaey, P.C., Independent Registered Public Accounting Firm, and their report is included therein. EXHIBITS 23.1Consent of Independent Registered Public Accounting Firm, Ary Roepcke Mulchaey, P.C. 99.1Financial statements and supplemental schedule of The Huntington 401(k) Plan for the fiscal years ended December31,2025 and 2024, prepared in accordance with the financial reporting requirements of ERISA. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, Huntington Bancshares Incorporated has duly caused this annualreport to be signed on its behalf by the undersigned hereunto duly authorized. THE HUNTINGTON 401(k) PLAN By:/s/ Zachary J. WassermanZachary WassermanSr. Executive Vice President and Chief Financial OfficerHuntington Bancshares Incorporated