)

Fifth Third Bancorp (FITB) investor relations material
Fifth Third Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
- Announced merger with Comerica, expected to create a more diversified and profitable company with strong long-term growth prospects; regulatory filings progressing and strong internal/external reception. 
- Achieved highest adjusted pre-provision net revenue (PPNR) growth in over two years, driven by strategic execution, diversified loan origination, and strong household/client acquisition, especially in the Southeast and Middle Market segments. 
- Net income available to common shareholders was $608 million, up 3% sequentially and 14% year-over-year, with diluted EPS of $0.91 ($0.93 adjusted), impacted by a $200M provision expense related to Tricolor fraud. 
- Maintained strong profitability and positive operating leverage for the fourth consecutive quarter, supported by strong revenue growth and disciplined expense management. 
- Tangible book value per share increased 7% year-over-year and 3% sequentially; $300M in stock repurchases and an 8% dividend increase. 
Financial highlights
- Adjusted EPS was $0.93, with reported EPS at $0.91, including a $0.02 negative impact from litigation and FDIC assessment items. 
- Net interest income rose to $1.53B, up 2% sequentially and 7% year-over-year, with net interest margin at 3.13%, up sequentially and year-over-year. 
- Noninterest income increased 10% year-over-year, led by 11% growth in wealth and asset management and 16% in mortgage banking; capital markets fees up 28% sequentially. 
- Adjusted noninterest expense rose 3% year-over-year, mainly due to investments in branches, marketing, and technology; efficiency ratio improved 180 bps year-over-year to 54.1%. 
- Average consumer and commercial loans increased 7% and 4% year-over-year, respectively; average loans grew 6% overall. 
Outlook and guidance
- For Q4, average loans and leases expected to rise 1%, net interest income stable to up 1%, noninterest income up 2-3%, and noninterest expense up 2% due to branch openings and incentive compensation. 
- Net charge-off ratio projected at ~40 bps; share repurchases paused until Comerica deal closes (expected end of Q1 2026). 
- Full-year adjusted revenue expected up nearly 5%, PP&R up 7%-8%. 
- Management expects continued strong, stable through-the-cycle returns, focusing on high-quality deposits, diversified loan originations, recurring fee revenue, and operating scalability. 
Next Fifth Third Bancorp earnings date

Next Fifth Third Bancorp earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
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.
- Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free. 
- Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions. 
- Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more. 
Explore our global coverage
)
)