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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
Achieved strongest adjusted ROA in three years, driven by focused execution on strategic priorities and expense discipline.
Fourth quarter 2025 net income available to common shareholders was $699 million, up 15% sequentially and 20% year-over-year, with diluted EPS of $1.04, including a net negative $0.04 impact from certain items.
Highest quarterly commercial loan production in over three years, supported by investments in middle market and corporate banking.
Record net interest income (NII) of $1.53 billion, up 1% sequentially and 6% year-over-year, driven by proactive deposit and funding management.
Sustained operating momentum ahead of the pending merger with Comerica, expected to close February 1, 2026.
Financial highlights
Adjusted EPS of $1.08; reported EPS of $1.04, with notable items including foundation contributions, FDIC assessment benefit, and merger-related expenses.
Adjusted ROA at 1.41% and adjusted ROE at 14.5% for 4Q25, both improved year-over-year.
Tangible book value per share increased 21% year-over-year to $22.60.
Net interest margin (NIM) held steady at 3.13%, up 16 bps year-over-year.
Noninterest income grew 11% year-over-year, led by wealth and asset management (+13%) and commercial payments (+8%).
Adjusted noninterest expense up 4% year-over-year, mainly from compensation, technology, and marketing investments.
Outlook and guidance
FY26 guidance (including Comerica merger): average loans/leases mid-$170B, net interest income $8.6–$8.8B, noninterest income $4.0–$4.4B, noninterest expense $7.0–$7.3B, net charge-off ratio 30–40 bps, effective tax rate 23%.
Management expects sustained profitability and positive operating leverage as Comerica integration proceeds, with confidence in achieving expected financial synergies.
Commercial NCOs: Underlying trend post-fraud?
NIM stability drivers: How sustainable is it?
Funding mix shift: What's the long-term goal?
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Next Fifth Third Bancorp earnings date
Q1 202617 Apr, 2026
Fifth Third Bancorp
Next Fifth Third Bancorp earnings date
Q1 202617 Apr, 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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