Huntington Bank stock price has modest upside potential if Q4 net interest income exceeds projections. Competitive deposit rates remain a near-term differentiator in the sector. All forward-looking statements are expressly qualified in their entirety by the cautionary statements set forth above. Forward-looking statements speak only as of the date they are made and are based on information available at that time. Neither Huntington nor Veritex assume any obligation to update forward-looking statements to reflect actual results, new information or future events, changes in assumptions or changes in circumstances or other factors affecting forward-looking statements that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. If Huntington or Veritex update one or more forward-looking statements, no inference should be drawn that Huntington or Veritex will make additional updates with respect to those or other forward-looking statements. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements. The bottom line: We plan to increase our $14.90 fair value estimate for no-moat-rated Huntington by a low-to-mid-single-digit percentage as we incorporate second-quarter results and updated guidance. We assess the shares as slightly overvalued. Huntington Bank stock price could trade higher if the upcoming Fed Beige Book reflects improved consumer lending trends. Investors remain focused on credit demand dynamics.