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Fifth Third Bancorp
Fifth Third Bancorp (FITB) investor relations material
Fifth Third Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Reported Q4 2025 EPS of $1.04, or $1.08 adjusted, with net income available to common shareholders of $699 million, up 20% year-over-year.
Achieved record net interest income of $1.53B, up 6% year-over-year, and record full-year NII of $6B.
Adjusted ROA reached 1.41% and adjusted ROE 14.5%, both improved year-over-year.
Highest quarterly commercial loan production in over three years, with strong growth in middle market and business banking.
All regulatory and shareholder approvals received for Comerica merger, expected to close February 1, 2026.
Financial highlights
Adjusted Q4 revenues up 5% year-over-year, driven by 6% net interest income growth and strong fee income.
Tangible book value per share increased 21% year-over-year to $22.60.
Net charge-off ratio at 0.40%, lowest in seven quarters, and nonperforming asset ratio at 0.65%.
CET1 ratio increased to 10.8%, with strong capital and liquidity positions maintained.
Returned $1.6B of capital to shareholders in 2025.
Outlook and guidance
FY26 guidance: average total loans in the mid-$170B range, NII of $8.6–$8.8B, noninterest income $4–$4.4B, noninterest expense $7–$7.3B, net charge-offs 30–40 bps.
Targeting 9% EPS accretion from Comerica deal by Q4 2026, with best-in-class profitability and efficiency by 2027.
Guidance assumes realization of 37.5% of $850M annualized run rate expense synergies in 2026.
Management expects sustained profitability and positive operating leverage as Comerica integration proceeds.
Commercial NCOs: Underlying trend post-fraud?
NIM stability drivers: How sustainable is it?
Funding mix shift: What's the long-term goal?
Innovation Banking's growth potential post-merger?
Impact of 'chronic postponement syndrome' on C&I?
Post-merger balance sheet rate sensitivity goal?
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Next Fifth Third Bancorp earnings date
Bank of America Financial Services Conference 202610 Feb, 2026
Fifth Third Bancorp
Next Fifth Third Bancorp earnings date
Bank of America Financial Services Conference 202610 Feb, 2026
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Frequently asked questions
Midwest Consumer Banking
Fifth Third Bancorp is an American bank and financial services company, primarily focused on consumer banking. The company operates under the Fifth Third Bank and offers a wide range of financial products and services, including consumer banking, commercial banking, lending, payment processing, and investment advising. It operates numerous branches and ATMs across several states, primarily in the Midwest and Southeastern United States. It is headquartered in Cincinnati, Ohio, and its shares are listed on the Nasdaq.
1909
The most significant early event in the company's history was in 1909, when the Third National Bank and Fifth National Bank merged, forming the Fifth Third National Bank of Cincinnati. T the bank expanded its services and operations, growing steadily. In the 1970s and 1980s, Fifth Third Bancorp, through a series of acquisitions and mergers, significantly expanded its geographic footprint and diversified its financial services. It entered into new markets and started offering a wider range of products including loans, deposit accounts, and investment services. The company has grown steadily during recent decades, establishing itself as a prominent consumer bank in the Midwest.
The Company’s Services
The company's range of services encompasses retail banking, commercial banking, consumer lending, payment processing, and investment advising. In retail banking, Fifth Third Bancorp offers a variety of products including checking and savings accounts, credit cards, and mortgage services. The consumer lending part of Fifth Third Bancorp provides personal loans, auto financing, and student loans. Fifth Third Bancorp also has a significant presence in the investment sector. Through its wealth and asset management services, it offers investment advice, management services, and retirement planning.
A Regional Focus
Fifth Third Bank has made a strategic choice to maintain a regional focus, as opposed to expanding into a national banking entity. This is in contrast to national banks, which often spread their operations across the entire country, requiring a broader, less specialized approach. The regional focus enables Fifth Third Bank to develop closer relationships with local customers and businesses and is a similar strategy employed by companies such as M&T Bank and Comerica.
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