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
$29.52B
P/E (TTM)
11.6
14.1
Dividend Yield
3.5%
52W High
$55.44
52W Low
$32.25
52W Range
Rank40Top 42.0%
4.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$3.28B+1.39%
4-Quarter Trend
EPS
$1.05+22.09%
4-Quarter Trend
FCF
$754.00M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
FTE NIM Expansion FTE Net Interest Margin increased 21 basis points to 3.11% for 2025, driven by lower funding costs and higher consumer loan yields.
Capital Ratios Strengthened CET1 risk-based capital ratio improved to 10.81% and Leverage ratio reached 9.41%, exceeding regulatory minimums comfortably.
Revenue and Earnings Growth Total FTE revenue grew to $9.037B, resulting in net income available to common shareholders of $2.376B, up from $2.155B.
Credit Provision Increased Provision for credit losses rose to $662M, primarily due to fraud-related impairment and higher period-end loan balances.
Risk Factors
Deteriorating Credit Quality Net charge-offs increased to 0.60% of average loans, driven by a $178M impairment charge on an asset-backed finance loan.
Interest Rate Sensitivity NII sensitivity remains negative in rising rate scenarios due to expected migration of noninterest-bearing deposits to higher cost accounts.
Merger Integration Hurdles Realizing anticipated benefits from the Comerica Merger may take longer than expected due to complex integration challenges and costs.
Cybersecurity and Operational Risk High exposure remains from cyber-attacks, reliance on third parties, and emerging risks like AI, requiring continuous investment in resiliency.
Outlook
Post-Merger Regulatory Status Expect to transition to Category III BHC status by the end of 2026 following the Comerica acquisition, requiring higher regulatory standards.
Funding Cost Management Ability to maintain NIM depends on managing core deposit growth against competitor rates and mitigating deposit cost increases.
Integration Expense Expectations Integration expenses related to the Comerica Merger are expected to exceed near-term cost savings realization.
Mortgage Portfolio Outlook Consumer clean energy tax incentives expiring in 2025 may lead to decreased production in the solar energy installation loan portfolio in 2026.
Peer Comparison
Revenue (TTM)
$57.86B
$42.86B
$35.72B
Gross Margin (Latest Quarter)
71.4%
70.5%
68.5%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| USB | $79.63B | 10.5 | 12.1% | 11.3% |
| TFC | $55.16B | 10.5 | 8.2% | 12.7% |
| KB | $36.17B | 9.8 | 9.8% | 0.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.2%
Moderate Growth
4Q Net Income CAGR
12.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 16, 2026
EPS:$0.87
|Revenue:$2.96B
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data