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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Fifth Third Bancorp
Fifth Third Bancorp (FITB) investor relations material
Fifth Third Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary19 Oct, 2026
Executive summary
3Q26 adjusted EPS was $1.13 versus reported EPS of $0.90; adjusted PPNR rose 8% QoQ to $1.512B, with adjusted ROTCE of 20.6%.
Comerica systems conversion was completed with strong client and banker retention; the full $850M expense-synergy run rate is set for 4Q26.
Core deposits grew 3% QoQ and loans 1%; net charge-offs remained stable at 31 bps.
Financial highlights
GAAP net income was $866M and net income available to common shareholders was $828M; diluted EPS was $0.90, or $1.13 adjusted.
FTE NII was $2.276B, up 3% QoQ; NIM was 3.34%, down 2 bps QoQ.
Adjusted noninterest income was $1.052B, up 1% QoQ and 33% YoY; adjusted noninterest expense was $1.816B, down 2% QoQ.
Adjusted PPNR was $1.512B versus $1.399B in 2Q26; adjusted revenue was $3.328B, with 450 bps of positive operating leverage QoQ.
Merger-related charges were $225M in Q3 and approximately $1.04B year to date; total charges remain expected at approximately $1.3B.
Outlook and guidance
4Q26 average loans and leases expected up 1%-2% QoQ; NII expected up 2.5%-3.5% from the $2.28B baseline, assuming a 4.25% Fed funds rate at year-end.
4Q26 adjusted noninterest income expected up 2%-4% and adjusted expenses down 2%-3%; expense guidance includes $60M of CDI amortization.
Adjusted PPNR expected up 9%-10% QoQ; 4Q26 net charge-offs expected at 30-35 bps and effective tax rate at 22.5%.
Q4 guidance implies 2026 exit profitability at or above 19% ROTCE and a 53% efficiency ratio; CET1 expected within the 10%-10.5% operating range.
Full-year NII and implied PPNR expected at the high end of January guidance; full 2027 guidance planned for January.
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Latest events from Fifth Third Bancorp
- Doubling in scale and profitability, with peer-leading deposit growth, efficiency, and expansion.FITB
Barclays 24th Annual Global Financial Services Conference - Top quartile returns, strong growth, and diversified revenue drive long-term value creation.FITBInvestor presentation
- Comerica integration drove strong earnings, loan and deposit growth, and improved efficiency.FITBQ2 2026
- Strong loan growth, Southeast expansion, and payments innovation drive positive 2024 outlook.FITBBank of America Securities Financial Services Conference
- Doubling in scale and profitability, with strong growth, synergy realization, and AI adoption.FITBMorgan Stanley US Financials Conference 2026
- All proposals passed, with strong results and strategic integration emphasized.FITBAGM 2026
- Comerica acquisition fueled growth but merger charges sharply reduced net income.FITBQ1 2026
- Record profitability and efficiency in Q4 2025, with Comerica merger integration ahead of plan.FITBQ4 2025
- Q2 net income reached $561M, CET1 rose to 10.60%, and $125M in shares were repurchased.FITBQ2 2024
Next Fifth Third Bancorp earnings date
The BancAnalysts Association of Boston Conference 20266 Nov, 2026
Fifth Third Bancorp
Next Fifth Third Bancorp earnings date
The BancAnalysts Association of Boston Conference 20266 Nov, 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.