
Fifth Third Bancorp
NASDAQ•FITB
CEO: Mr. Timothy N. Spence
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1980-03-17
Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that engages in the provision of a range of financial products and services in the United States. It operates through three segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. The Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers. The Consumer and Small Banking segment provides a range of deposit and loan products to individuals and small businesses; home equity loans and lines of credit; credit cards; and cash management services. This segment also engages in the residential mortgage that include origination, retention and servicing of residential mortgage loans, sales and securitizations of loans, and hedging activities; indirect lending, including extending loans to consumers through automobile dealers, motorcycle dealers, powersport dealers, recreational vehicle dealers, and marine dealers; and home improvement and solar energy installation loans through contractors and installers. The Wealth & Asset Management segment provides various wealth management services for individuals, companies, and not-for-profit organizations. It offers retail brokerage services to individual clients; and broker dealer services to the institutional marketplace. This segment also provides wealth planning, investment management, banking, insurance, and trust and estate services; and advisory services for institutional clients comprising middle market businesses, non-profits, states, and municipalities. The company was founded in 1858 and is headquartered in Cincinnati, Ohio.
Contact Information
Market Cap
$28.14B
P/E (TTM)
11.8
14.1
Dividend Yield
3.5%
52W High
$49.07
52W Low
$32.25
52W Range
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$3.30B-0.33%
4-Quarter Trend
EPS
$0.91+16.67%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Net Income Growth Strong Net income available to common shareholders rose 14% to $608M for Q3 2025; diluted EPS increased 17% to $0.91 year-over-year.
NII and NIM Expansion FTE Net Interest Income grew 7% to $1.525B for the quarter; NIM expanded to 3.13% from 2.90% year-over-year.
Asset Quality Improving Nonperforming assets ratio decreased to 0.65% from 0.71% at year-end 2024; ALLL coverage remains strong at 1.84% of loans.
Capital Ratios Solid CET1 ratio stood at 10.57% as of September 30, 2025, maintaining strong regulatory capital adequacy levels.
Risk Factors
Merger Integration Risk Integration of Comerica, valued at $10.9B, poses substantial management challenges, increased regulatory scrutiny, and uncertain integration expenses.
Commercial Credit Concentration Provision expense rose 23% due to impairment on one asset-backed finance commercial loan ($178M charge-off); commercial NCOs rose significantly.
Interest Rate Sensitivity NII remains sensitive to rising rates, projecting a 2.93% NII decline over 13-24 months under a +200 bps ramp scenario.
Nonowner CRE Exposure Nonowner-occupied commercial real estate is viewed as higher credit risk, with ongoing monitoring due to market challenges, especially office buildings.
Outlook
Comerica Merger Closing Merger expected to close at the end of Q1 2026, pending customary regulatory approvals; share repurchase activity paused until closing.
Credit Quality Monitoring Management closely monitors commercial real estate, particularly office sector, for potential credit losses beyond quantitative model predictions.
Deposit Cost Management Future NII performance depends on managing deposit beta assumptions and controlling attrition in a rising rate environment.
Capital Deployment Paused Share repurchase program paused pending completion of the Comerica acquisition; capital management focus shifts to integration planning.
Peer Comparison
Revenue (TTM)
USB$41.35B
TFC$29.76B
$24.67B
Gross Margin (Latest Quarter)
MTB95.0%
USB68.6%
FITB63.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| USB | $73.21B | 10.2 | 11.8% | 11.2% |
| TFC | $58.28B | 11.4 | 7.8% | 13.1% |
| BBDO | $33.77B | 10.0 | 12.2% | 33.9% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+0.7%
Moderate Growth
4Q Net Income CAGR
+1.5%
Profitability Slowly Improving
Cash Flow Stability
50%
Cash Flow Needs Attention
Research & Insights
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 4, 2025|Revenue: $3.30B-0.3%|EPS: $0.91+16.7%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 5, 2025|Revenue: $3.21B-1.4%|EPS: $0.88+7.3%MeetForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 6, 2025|Revenue: $3.08B-5.9%|EPS: $0.71+1.4%MeetForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 24, 2025|Revenue: $13.05B+5.6%|EPS: $3.16-2.2%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 5, 2024|Revenue: $3.31B+4.3%|EPS: $0.78-14.3%MissForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 6, 2024|Revenue: $3.26B+8.6%|EPS: $0.82+0.0%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 7, 2024|Revenue: $3.27B+14.6%|EPS: $0.70-10.3%MeetForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 27, 2024|Revenue: $12.36B+36.1%|EPS: $3.23-4.4%Beat