HUNTINGTON BANCSHARES $HBAN Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $2.81B 🔹 Adj. EPS: $0.38 (Est. $0.37) 🟢 🔹 GAAP EPS: $0.33 🔹 Net Interest Income: $2.07B 🔹 Noninterest Income: $722M Other Q3 Metrics: 🔹 Net Interest Margin: 3.25% 🔹 Avg Loans & Leases: $188.4B 🔹 Avg Deposits: $223.8B 🔹 Net Income: $680M 🔹 Net Charge-offs: 0.31% 🔹 CET1 Ratio: 10.1% 🔹 ROTCE: 14.6% (16.6% adj.) 🔹 Tangible Book Value/Share: $9.47 Capital Return: 🔹 Buybacks: $100M Comments: 🔸 “We are also seeing increasing benefits from our recent partnerships with Veritex and Cadence, and are achieving our targeted cost and revenue synergies.”

Huntington Bancshares’ recent promotion of Brant Standridge to the role of president sets up the longtime bank executive to take over whenever CEO Steve Steinour opts to step back.

Hunting memecoins in the Age of AI seems... largely unchanged? If you ask Grok to recommend memecoins to buy it will simply give tickers based on some past criteria (views, volumes, posts on X etc.) I still believe that (organic) memecoin trading requires this human intuition on what can go viral. Call it vibes or energy around it. The story that captivates degens. Or KOLs that suddenly to decide to shill it. Being 24/7 online gives bigger advantage than casually asking AI what to buy once per day. Or am I wrong and there are degens who print millions with AI but don't post on X not to dilute their edge? On the flip side, LPying with AI is revolutionary: My agents scan for pools by volume, fees, the fee trends, how liquid they are, what price bands I should use etc etc. I am still perfecting the formula but there is methodology to it that compounds. So if memecoin trading and being 24/7 online isn't your thing, LPying could be easier to learn as a skill especially with AI.