FITB Company Report

Analyst Earnings Quarterly Reports

Earnings summaries and quarterly performance for FITB.

Analyst Coverage

Research analysts who have asked questions during FITB earnings calls.

Ebrahim Poonawala

Bank of America Securities

4 questions for FITB

Also covers: , BK, BMO +31 more

Christopher Marinac

Janney Montgomery Scott LLC

3 questions for FITB

Also covers: ABCB, BFST, BKU +25 more

Manan Gosalia

Morgan Stanley

3 questions for FITB

Also covers: CADE, CBC, CFG +17 more

Matthew O'Connor

Deutsche Bank

3 questions for FITB

Also covers: BAC, C, CFG +11 more

Robert Siefers

Piper Sandler & Co.

3 questions for FITB

Also covers: ASB, CFG, CMA +4 more

Erika Najarian

UBS

2 questions for FITB

Also covers: AXP, BAC, C +14 more

Gerard Cassidy

RBC Capital Markets

2 questions for FITB

Also covers: BAC, BK, BPOP +14 more

L. Erika Penala

UBS

2 questions for FITB

Also covers: AXP, BAC, CFG +9 more

Michael Mayo

Wells Fargo

2 questions for FITB

Also covers: BAC, BK, C +10 more

Bill Carcache

Wolfe Research, LLC

1 question for FITB

Also covers: BFH, CMA, COF +10 more

Brian Foran

Truist Financial

1 question for FITB

Also covers: AXP, CMA, COF +8 more

Christopher McGratty

Keefe, Bruyette & Woods

1 question for FITB

Also covers: ASB, BAC, BANC +35 more

John Pancari

Evercore ISI

1 question for FITB

Also covers: ALLY, AXP, BFH +19 more

Kenneth Usdin

Jefferies

1 question for FITB

Also covers: BK, C, HBAN +7 more

Mike Mayo

Wells Fargo

1 question for FITB

Also covers: BAC, BK, C +11 more

R. Scott Siefers

Piper Sandler Companies

1 question for FITB

Also covers: ASB, CFG, KEY +6 more

Ryan Nash

Goldman Sachs & Co.

1 question for FITB

Also covers: ALLY, AXP, CFG +7 more

Steven Alexopoulos

JPMorgan Chase & Co.

1 question for FITB

Also covers: BAC, C, CFG +10 more

Thomas Leddy

RBC Capital Markets

1 question for FITB

Also covers: BK, BPOP, KEY +2 more

Thomas Letty

RBC Capital Markets

1 question for FITB

Latest news

Recent press releases and 8-K filings for FITB.

Fifth Third Bancorp reports Q4 2025 results

FITB

Earnings

M&A

Guidance Update

Fifth Third delivered Q4 EPS of $1.04 (or $1.08 adjusted), an adjusted ROE of 14.5%, ROA of 1.41%, and an adjusted efficiency ratio of 54.3%.
Achieved a record full-year net interest income of $6 billion and $9 billion in total revenue; average loans grew 5% YoY, with NIM expanding 16 bps to 3.13%.
Average core deposits rose 1%, driven by 4% DDA growth, while interest-bearing deposit costs fell 40 bps to 2.28%; LCR at 123% and loan-to-core deposit ratio at 72%.
Secured all material approvals for the Comerica merger (99.7% Fifth Third vote), closing on Feb 1, 2026; targeting $850 million in expense synergies, $500 million in revenue synergies, and 9% EPS accretion in 2027 (now expected in Q4 2026).

Jan 20, 2026, 3:00 PM

Transcript

Fifth Third reports Q4 2025 earnings and 2026 guidance

FITB

Earnings

M&A

Guidance Update

EPS of $1.04 (or $1.08 adjusted); adjusted ROE 14.5%, ROA 1.41%, and efficiency ratio 54.3% in Q4
Net interest income of $1.5 billion (+6% YoY) and record full-year NII of $6 billion; net interest margin at 3.13% year-end
Average loans up 5% YoY and core deposits up 1% in Q4
Received all approvals for Comerica merger, closing February 1 2026, targeting $850 million in expense synergies and $500 million in revenue synergies over five years
2026 outlook: NII of $8.6–8.8 billion; non-interest income $4–4.4 billion; non-interest expense $7–7.3 billion; net charge-offs 30–40 bps

Jan 20, 2026, 3:00 PM

Transcript

Fifth Third Bancorp reports Q4 2025 earnings and Comerica merger plans

FITB

Earnings

M&A

Guidance Update

Fifth Third delivered Q4 EPS of $1.04 ($1.08 excluding certain items), an adjusted ROE of 14.5%, adjusted ROA of 1.41%, and a 54.3% efficiency ratio, among the best in its peer group.
Adjusted Q4 revenues rose 5% YoY, driven by 6% growth in net interest income, 8% commercial payments fees, and 13% wealth fees; average loans and core deposits increased 5% and 1%, respectively.
Asset quality strengthened with net charge-offs at 40 bp (the lowest in seven quarters), non-performing assets declining for a third consecutive quarter, CET1 capital rising to 10.8%, and tangible book value per share up 21% YoY.
Received shareholder and regulatory approvals to merge with Comerica on February 1 2026, targeting $850 million in expense synergies and $500 million in revenue synergies; 2026 guidance includes NII of $8.6–8.8 billion and adjusted non-interest income of $4–4.4 billion.

Jan 20, 2026, 3:00 PM

Transcript

Fifth Third Bancorp reports Q4 2025 results

FITB

Earnings

Guidance Update

Reported Q4 2025 adjusted EPS of $1.08 and adjusted ROA of 1.41%, the strongest adjusted ROA in three years, with the adjusted efficiency ratio improving 50 bps to 54.3%.
Net interest margin held at 3.13%, supporting pre-provision net revenue of $1.072 billion.
Average consumer and commercial loans grew 6% and 4% year-over-year, respectively; net charge-offs normalized at 40 bps; and the common equity tier 1 ratio increased to 10.77%.
For FY 2026, the bank expects net interest income of $8.6–$8.8 billion, noninterest income of $4.0–$4.4 billion, and noninterest expense of $7.0–$7.3 billion.

Jan 20, 2026, 3:00 PM

Presentation

Fifth Third reiterates 2025 guidance and details Comerica acquisition plan

FITB

Guidance Update

M&A

New Projects/Investments

Fifth Third expects record net interest income and over 200 bps of operating leverage in full-year 2025, and reaffirms Q4 PPNR guidance with projected credit losses around 40 bps.
The bank plans to complete its Comerica deal in Q1 2026, delivering no TBV per share dilution at close, 9% EPS accretion, and targeting 19% ROTCE and a low-to-mid-50s efficiency ratio by 2027.
Post-close, Fifth Third aims to realize $850 million in expense synergies and over $500 million in annual revenue synergies within five years by scaling Comerica’s middle-market platform, expanding branch density, deepening client wallets, and building an innovation-economy banking franchise.
In 2025, Fifth Third expanded its Southeast footprint, opening its 200th Florida branch and 100th Carolinas branch, with de novo branches achieving 45% better deposit growth and 3–4× consumer household growth versus peers.

Dec 10, 2025, 1:00 PM

Transcript

Fifth Third expects record NII in 2025 and details Comerica acquisition

FITB

Guidance Update

M&A

New Projects/Investments

Fifth Third expects record net interest income (NII) and over 200 bps of positive operating leverage in 2025; Q4 PPNR outlook reaffirmed, with credit losses of around 40 bps.
The bank opened its 200th Florida branch and 100th Carolinas branch, and Southeastern plus California/Texas markets contributed nearly 50% of middle-market C&I loan production and private bank net AUM flows in 2025.
The mobile app received 400+ updates, earned a J.D. Power award, and small business unit climbed 36 positions in SBA lending rank; partnership with Brex aims to convert a $6 billion commercial card spend base to an AI-powered platform, with pilot take rates up 10×.
Fifth Third acquired Mechanics Bank’s Fannie Mae DUSP platform with $1.8 billion UPB and plans a Comerica merger in Q1 2026, targeting 9% EPS accretion, $850 million in expense synergies, and 19% ROTCE by 2027.

Dec 10, 2025, 1:00 PM

Transcript

Fifth Third outlines growth strategy and Comerica acquisition at GS conference

FITB

Guidance Update

M&A

New Projects/Investments

Fifth Third expects record net interest income and over 200 bps of positive operating leverage in 2025, reaffirming its Q4 PPNR outlook and targeting credit losses near 40 bps.
Southeast expansion milestone: opened 200th Florida branch and 100th Carolina branch, with DeNovo units generating 45% higher deposit growth and 3–4× consumer household growth vs. peers.
Partnerships: migrating $6 billion in annual card spend to a co-branded Brex AI spend platform to boost conversion rates tenfold ; acquired Mechanics Bank’s Fannie Mae DUSP platform with $1.8 billion UPB to add fee-based servicing.
Comerica deal: closing Q1 2026 with no TBV dilution, 9% EPS accretion, unlocking $850 million of expense synergies, and aiming for 19% ROTCE and a low-50s efficiency ratio by 2027.

Dec 10, 2025, 1:00 PM

Transcript

Fifth Third Bancorp details strategic combination and franchise profile

FITB

M&A

Fifth Third Bancorp operates with $213 billion in assets, $167 billion in deposits, and 1,102 U.S. branches, ranking 10th in assets, 9th in deposits, and 8th in branches.
The bank’s diversified portfolio comprises Commercial Banking (loans $68 B; deposits $61 B), Consumer & Small Business Banking (loans $51 B; deposits $92 B), and Wealth & Asset Management (loans $5 B; deposits $10 B).
A proposed strategic combination is expected to deliver a 22% IRR, achieve 19%+ ROTCE (up 200 bps), and drive the efficiency ratio into the low-to-mid 50s within two years, with no tangible book value per share dilution.
The transaction will scale two $1 billion+ recurring revenue engines in Commercial Payments and Wealth & Asset Management, while expanding density in core and high-growth markets.

Nov 7, 2025, 2:00 PM

Presentation

Fifth Third announces acquisition of Comerica

FITB

M&A

New Projects/Investments

Fifth Third agreed to acquire Comerica to combine strength-on-strength in retail and middle-market banking and to access key markets in Texas and California, targeting customer day one in October 2026.
The bank will expand its Texas retail footprint from 109 to 150 branches by 2027–2029—with ~75% in Dallas and Houston—and complete its Southeast de novo program with 200 locations by end-2028 to drive deposit and loan growth.
Integration lessons from the 2018 MB Financial deal extend the post-close conversion window to seven months (vs. seven weeks) to allow thorough legal, data and fraud-testing processes for a smoother customer migration.
Upon closing, Fifth Third will enter Category 3 regulatory status but has prebuilt readiness—covering LCR, SECL, and T+2 reporting requirements—as part of its synergy planning at minimal incremental cost.

Nov 7, 2025, 2:00 PM

Transcript

Fifth Third to acquire Comerica, enhancing retail and middle market presence

FITB

M&A

New Projects/Investments

Fifth Third plans to acquire Comerica with legal close targeted for March 2026 and customer day one in October 2026, providing a seven-month integration window versus a seven-week conversion for its 2018 MBFI deal.
The deal adds 109 Texas branches, with 150 new locations planned by 2029 (75% in Dallas and Houston), and Fifth Third will complete 200 Southeast de novos by 2028, where 2024–25 vintages are achieving 160% of deposit goals.
Post-conversion, Comerica’s consumer customers will gain access to Fifth Third’s #1 regional banking mobile app, customer recommendation engine, MyDay, and Momentum Banking features to drive retail growth.
Fifth Third has built a Category 3 readiness program—maintaining LCR infrastructure, accelerating 2052A reporting, and scoping SECL compliance—expecting minimal incremental costs covered by deal synergies.
Its non-bank financial institution lending portfolio stands at $10.2 bn, with ~70% in low-loss segments (warehouse, corporate credit, subscription lines) and a cautious approach toward NAV and private credit facilities.