Annual Income Statements for Fifth Third Bancorp
This table shows Fifth Third Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Fifth Third Bancorp
This table shows Fifth Third Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
| Metric |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| Net Income / (Loss) Attributable to Common Shareholders |
|
623 |
492 |
480 |
561 |
532 |
582 |
478 |
591 |
608 |
699 |
128 |
| Consolidated Net Income / (Loss) |
|
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
649 |
730 |
165 |
| Net Income / (Loss) Continuing Operations |
|
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
649 |
730 |
165 |
| Total Pre-Tax Income |
|
846 |
649 |
658 |
764 |
728 |
766 |
653 |
808 |
837 |
913 |
207 |
| Total Revenue |
|
2,153 |
2,159 |
2,094 |
2,082 |
2,132 |
2,171 |
2,131 |
2,245 |
2,301 |
2,340 |
2,829 |
| Net Interest Income / (Expense) |
|
1,438 |
1,415 |
1,384 |
1,387 |
1,421 |
1,438 |
1,437 |
1,495 |
1,520 |
1,530 |
1,934 |
| Total Interest Income |
|
2,529 |
2,648 |
2,608 |
2,620 |
2,669 |
2,529 |
2,432 |
2,484 |
2,519 |
2,468 |
2,972 |
| Loans and Leases Interest Income |
|
1,899 |
1,890 |
1,859 |
1,871 |
1,910 |
1,837 |
1,816 |
1,881 |
1,909 |
1,860 |
2,293 |
| Investment Securities Interest Income |
|
444 |
450 |
455 |
458 |
461 |
465 |
451 |
458 |
444 |
432 |
501 |
| Other Interest Income |
|
186 |
308 |
294 |
291 |
298 |
227 |
165 |
145 |
166 |
176 |
178 |
| Total Interest Expense |
|
1,091 |
1,233 |
1,224 |
1,233 |
1,248 |
1,091 |
995 |
989 |
999 |
938 |
1,038 |
| Deposits Interest Expense |
|
844 |
952 |
954 |
958 |
968 |
856 |
743 |
732 |
750 |
727 |
813 |
| Short-Term Borrowings Interest Expense |
|
52 |
48 |
47 |
48 |
40 |
22 |
58 |
59 |
59 |
41 |
5.00 |
| Long-Term Debt Interest Expense |
|
193 |
230 |
220 |
224 |
238 |
210 |
194 |
196 |
188 |
176 |
220 |
| Total Non-Interest Income |
|
715 |
744 |
710 |
695 |
711 |
733 |
694 |
750 |
781 |
810 |
895 |
| Other Service Charges |
|
365 |
490 |
259 |
443 |
148 |
626 |
451 |
489 |
202 |
-25 |
310 |
| Net Realized & Unrealized Capital Gains on Investments |
|
-7.00 |
14 |
10 |
3.00 |
10 |
-8.00 |
-9.00 |
16 |
10 |
-4.00 |
-12 |
| Investment Banking Income |
|
145 |
147 |
161 |
159 |
163 |
164 |
172 |
166 |
181 |
185 |
233 |
| Other Non-Interest Income |
|
212 |
93 |
280 |
90 |
390 |
-49 |
80 |
79 |
388 |
654 |
364 |
| Provision for Credit Losses |
|
119 |
55 |
94 |
97 |
160 |
179 |
174 |
173 |
197 |
118 |
227 |
| Total Non-Interest Expense |
|
1,188 |
1,455 |
1,342 |
1,221 |
1,244 |
1,226 |
1,304 |
1,264 |
1,267 |
1,309 |
2,395 |
| Salaries and Employee Benefits |
|
629 |
658 |
753 |
656 |
690 |
664 |
750 |
698 |
685 |
682 |
1,410 |
| Net Occupancy & Equipment Expense |
|
236 |
238 |
241 |
235 |
240 |
250 |
252 |
250 |
261 |
271 |
399 |
| Marketing Expense |
|
35 |
31 |
32 |
34 |
26 |
-2.00 |
28 |
43 |
34 |
37 |
50 |
| Other Operating Expenses |
|
288 |
528 |
316 |
296 |
288 |
314 |
274 |
273 |
287 |
319 |
536 |
| Income Tax Expense |
|
186 |
119 |
138 |
163 |
155 |
146 |
138 |
180 |
188 |
183 |
42 |
| Preferred Stock Dividends Declared |
|
37 |
38 |
40 |
40 |
41 |
38 |
37 |
37 |
41 |
31 |
37 |
| Basic Earnings per Share |
|
$0.91 |
$0.72 |
$0.70 |
$0.82 |
$0.78 |
$0.86 |
$0.71 |
$0.88 |
$0.91 |
$1.06 |
$0.16 |
| Weighted Average Basic Shares Outstanding |
|
684.22M |
684.17M |
685.75M |
686.78M |
680.90M |
682.16M |
671.05M |
670.79M |
666.43M |
668.14M |
825.12M |
| Diluted Earnings per Share |
|
$0.91 |
$0.71 |
$0.70 |
$0.81 |
$0.78 |
$0.85 |
$0.71 |
$0.88 |
$0.91 |
$1.03 |
$0.15 |
| Weighted Average Diluted Shares Outstanding |
|
687.06M |
687.68M |
690.63M |
691.08M |
686.11M |
687.30M |
676.04M |
674.03M |
670.88M |
672.50M |
830.27M |
| Weighted Average Basic & Diluted Shares Outstanding |
|
681.02M |
681.22M |
684.04M |
676.80M |
670.54M |
665.62M |
667.49M |
661.89M |
661.01M |
901.82M |
906.31M |
| Cash Dividends to Common per Share |
|
$0.35 |
- |
$0.35 |
$0.35 |
- |
- |
$0.37 |
$0.37 |
- |
- |
$0.40 |
Annual Cash Flow Statements for Fifth Third Bancorp
This table details how cash moves in and out of Fifth Third Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
| Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Net Change in Cash & Equivalents |
|
10,641 |
-148 |
122 |
167 |
597 |
-131 |
-153 |
472 |
-324 |
-128 |
485 |
| Net Cash From Operating Activities |
|
-40 |
2,091 |
1,480 |
2,856 |
1,824 |
371 |
2,704 |
6,428 |
4,509 |
2,824 |
4,514 |
| Net Cash From Continuing Operating Activities |
|
-40 |
2,091 |
1,480 |
2,856 |
1,824 |
371 |
2,704 |
6,428 |
4,509 |
2,824 |
4,514 |
| Net Income / (Loss) Continuing Operations |
|
0.00 |
1,543 |
2,180 |
2,193 |
2,512 |
1,427 |
2,770 |
2,446 |
2,349 |
2,314 |
2,522 |
| Consolidated Net Income / (Loss) |
|
- |
1,543 |
2,180 |
2,193 |
2,512 |
1,427 |
2,770 |
2,446 |
2,349 |
2,314 |
2,522 |
| Provision For Loan Losses |
|
- |
343 |
261 |
207 |
471 |
1,097 |
-377 |
563 |
515 |
530 |
662 |
| Depreciation Expense |
|
441 |
453 |
341 |
360 |
472 |
492 |
349 |
436 |
462 |
495 |
554 |
| Non-Cash Adjustments to Reconcile Net Income |
|
-279 |
-448 |
-722 |
-531 |
-1,482 |
-2,151 |
201 |
2,773 |
830 |
57 |
383 |
| Changes in Operating Assets and Liabilities, net |
|
-202 |
182 |
-580 |
627 |
-149 |
-494 |
-239 |
210 |
353 |
-572 |
393 |
| Net Cash From Investing Activities |
|
9,180 |
-2,864 |
428 |
-4,141 |
-797 |
-31,902 |
-7,968 |
-4,871 |
-9,488 |
1,039 |
-1,846 |
| Net Cash From Continuing Investing Activities |
|
9,180 |
-2,864 |
428 |
-4,141 |
-797 |
-31,902 |
-7,968 |
-4,871 |
-9,488 |
1,039 |
-1,846 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-164 |
-312 |
-231 |
-192 |
-304 |
-358 |
-281 |
-472 |
-428 |
-349 |
-709 |
| Purchase of Investment Securities |
|
5,243 |
-24,962 |
-15,850 |
-20,155 |
-16,004 |
-5,784 |
-13,563 |
-30,844 |
-6,269 |
-7,129 |
-9,937 |
| Sale of Property, Leasehold Improvements and Equipment |
|
37 |
82 |
40 |
115 |
90 |
33 |
19 |
2.00 |
7.00 |
24 |
0.00 |
| Divestitures |
|
- |
0.00 |
- |
- |
- |
19 |
0.00 |
66 |
0.00 |
6.00 |
0.00 |
| Sale and/or Maturity of Investments |
|
4,064 |
22,547 |
16,513 |
16,134 |
14,211 |
-25,812 |
10,009 |
35,369 |
-6,156 |
12,027 |
12,852 |
| Other Investing Activities, net |
|
- |
- |
- |
- |
1,210 |
- |
-3,721 |
-8,992 |
3,358 |
-3,540 |
-4,052 |
| Net Cash From Financing Activities |
|
1,501 |
625 |
-1,786 |
1,452 |
-430 |
31,400 |
5,111 |
-1,085 |
4,655 |
-3,991 |
-2,183 |
| Net Cash From Continuing Financing Activities |
|
1,501 |
625 |
-1,786 |
1,452 |
-430 |
31,400 |
5,111 |
-1,085 |
4,655 |
-3,991 |
-2,183 |
| Net Change in Deposits |
|
1,493 |
1,146 |
-659 |
5,673 |
3,742 |
32,019 |
10,734 |
-5,994 |
5,222 |
-1,660 |
4,567 |
| Issuance of Debt |
|
3,091 |
5,763 |
2,490 |
2,438 |
2,372 |
2,557 |
562 |
11,576 |
10,955 |
7,349 |
5,783 |
| Repayment of Debt |
|
-2,233 |
-5,119 |
-1,969 |
-4,572 |
-4,212 |
-2,617 |
-3,796 |
-5,555 |
-10,207 |
-7,814 |
-10,421 |
| Repurchase of Preferred Equity |
|
- |
- |
- |
- |
- |
- |
- |
- |
0.00 |
0.00 |
-350 |
| Repurchase of Common Equity |
|
-850 |
-661 |
-1,605 |
-1,453 |
-1,763 |
0.00 |
-1,393 |
-100 |
-200 |
-625 |
-525 |
| Payment of Dividends |
|
- |
-454 |
-505 |
-565 |
-753 |
-858 |
-897 |
-927 |
-1,060 |
-1,176 |
-1,163 |
| Other Financing Activities, Net |
|
- |
-50 |
462 |
-69 |
-58 |
-47 |
-99 |
-85 |
-55 |
-65 |
-74 |
Quarterly Cash Flow Statements for Fifth Third Bancorp
This table details how cash moves in and out of Fifth Third Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
| Metric |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| Net Change in Cash & Equivalents |
|
243 |
305 |
-346 |
41 |
378 |
-201 |
-5.00 |
-37 |
-71 |
598 |
585 |
| Net Cash From Operating Activities |
|
636 |
2,072 |
386 |
679 |
1,860 |
-101 |
1,233 |
1,306 |
1,046 |
929 |
-1,106 |
| Net Cash From Continuing Operating Activities |
|
636 |
2,072 |
386 |
679 |
1,860 |
-101 |
1,233 |
1,306 |
1,046 |
929 |
-1,106 |
| Net Income / (Loss) Continuing Operations |
|
660 |
530 |
520 |
602 |
572 |
620 |
515 |
627 |
649 |
731 |
165 |
| Consolidated Net Income / (Loss) |
|
660 |
530 |
520 |
602 |
572 |
620 |
515 |
627 |
649 |
731 |
165 |
| Provision For Loan Losses |
|
119 |
55 |
94 |
97 |
160 |
179 |
174 |
173 |
197 |
118 |
227 |
| Depreciation Expense |
|
115 |
115 |
128 |
120 |
123 |
124 |
135 |
138 |
139 |
142 |
199 |
| Non-Cash Adjustments to Reconcile Net Income |
|
217 |
318 |
43 |
-132 |
126 |
6.00 |
267 |
-115 |
162 |
69 |
-315 |
| Changes in Operating Assets and Liabilities, net |
|
-475 |
1,054 |
-399 |
-8.00 |
879 |
-1,030 |
142 |
483 |
-101 |
-131 |
-1,382 |
| Net Cash From Investing Activities |
|
-6,693 |
-833 |
-229 |
1,280 |
-1,155 |
1,143 |
-67 |
2,442 |
-3,364 |
-857 |
5,414 |
| Net Cash From Continuing Investing Activities |
|
-6,693 |
-833 |
-229 |
1,275 |
-1,150 |
1,143 |
-67 |
2,442 |
-3,364 |
-857 |
5,414 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-84 |
-128 |
-56 |
-75 |
-156 |
-62 |
-117 |
-191 |
-213 |
-175 |
-146 |
| Purchase of Investment Securities |
|
962 |
-1,449 |
-2,156 |
-44 |
-2,647 |
-2,282 |
-1,428 |
-1,866 |
-2,179 |
-3,708 |
-8,124 |
| Divestitures |
|
- |
- |
6.00 |
- |
- |
- |
0.00 |
- |
- |
- |
740 |
| Sale and/or Maturity of Investments |
|
-9,030 |
-1,789 |
1,436 |
1,672 |
2,018 |
6,901 |
4,072 |
4,974 |
163 |
2,874 |
16,407 |
| Other Investing Activities, net |
|
1,459 |
2,529 |
526 |
-279 |
-424 |
-3,363 |
-2,594 |
-475 |
-1,135 |
152 |
-3,463 |
| Net Cash From Financing Activities |
|
6,300 |
-934 |
-503 |
-1,918 |
-327 |
-1,243 |
-1,171 |
-3,785 |
2,247 |
526 |
-3,723 |
| Net Cash From Continuing Financing Activities |
|
6,300 |
-934 |
-503 |
-1,918 |
-327 |
-1,243 |
-1,171 |
-3,785 |
2,247 |
526 |
-3,723 |
| Net Change in Deposits |
|
3,544 |
1,240 |
675 |
-2,819 |
1,572 |
-1,088 |
-1,747 |
-1,298 |
2,362 |
5,250 |
-3,387 |
| Issuance of Debt |
|
4,248 |
6,753 |
1,495 |
1,011 |
740 |
4,103 |
1,998 |
1,530 |
2,238 |
17 |
2,782 |
| Repayment of Debt |
|
-1,265 |
-8,648 |
-2,344 |
305 |
-2,112 |
-3,663 |
-844 |
-3,728 |
-1,412 |
-4,437 |
-2,734 |
| Repurchase of Common Equity |
|
- |
- |
0.00 |
-125 |
-200 |
-300 |
-225 |
- |
-300 |
- |
0.00 |
| Payment of Dividends |
|
-225 |
-276 |
-287 |
-280 |
-320 |
-289 |
-297 |
-284 |
-285 |
-297 |
-308 |
| Other Financing Activities, Net |
|
-2.00 |
-3.00 |
-42 |
-10 |
-7.00 |
-6.00 |
-56 |
-5.00 |
-6.00 |
-7.00 |
-76 |
Annual Balance Sheets for Fifth Third Bancorp
This table presents Fifth Third Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Total Assets |
|
141,048 |
142,177 |
142,081 |
146,069 |
169,369 |
204,680 |
211,116 |
207,452 |
214,574 |
212,927 |
214,376 |
| Cash and Due from Banks |
|
2,540 |
2,392 |
2,514 |
2,681 |
3,278 |
3,147 |
2,994 |
3,466 |
3,142 |
3,014 |
3,499 |
| Trading Account Securities |
|
29,500 |
31,619 |
32,706 |
33,587 |
36,906 |
38,397 |
39,006 |
52,239 |
51,933 |
52,351 |
49,037 |
| Loans and Leases, Net of Allowance |
|
91,310 |
90,845 |
90,774 |
94,162 |
108,356 |
106,329 |
110,158 |
119,286 |
114,912 |
117,439 |
120,398 |
| Loans and Leases |
|
92,582 |
92,098 |
91,970 |
95,265 |
109,558 |
108,782 |
112,050 |
121,480 |
117,234 |
119,791 |
122,651 |
| Allowance for Loan and Lease Losses |
|
1,272 |
1,253 |
1,196 |
1,103 |
1,202 |
2,453 |
1,892 |
2,194 |
2,322 |
2,352 |
2,253 |
| Loans Held for Sale |
|
92,213 |
91,596 |
91,266 |
607 |
1,400 |
4,741 |
4,415 |
1,007 |
378 |
640 |
733 |
| Premises and Equipment, Net |
|
2,946 |
2,803 |
2,649 |
2,379 |
1,995 |
2,088 |
2,736 |
2,187 |
2,808 |
2,794 |
2,734 |
| Goodwill |
|
2,416 |
2,416 |
2,445 |
2,478 |
4,252 |
4,258 |
4,514 |
4,915 |
4,919 |
4,918 |
4,947 |
| Intangible Assets |
|
12 |
9.00 |
27 |
40 |
201 |
139 |
156 |
169 |
125 |
90 |
69 |
| Other Assets |
|
11,421 |
11,342 |
10,474 |
10,135 |
12,981 |
45,581 |
47,137 |
24,183 |
36,357 |
31,681 |
32,959 |
| Total Liabilities & Shareholders' Equity |
|
141,048 |
142,177 |
142,081 |
146,069 |
169,369 |
204,680 |
211,116 |
207,452 |
214,574 |
212,927 |
214,376 |
| Total Liabilities |
|
125,178 |
125,945 |
125,861 |
129,819 |
148,166 |
181,569 |
188,906 |
190,125 |
195,402 |
193,282 |
192,652 |
| Non-Interest Bearing Deposits |
|
36,267 |
35,782 |
35,276 |
32,116 |
35,968 |
57,711 |
65,088 |
53,125 |
43,146 |
41,038 |
42,647 |
| Interest Bearing Deposits |
|
66,938 |
68,039 |
67,886 |
76,719 |
91,094 |
101,370 |
104,236 |
110,565 |
125,766 |
126,214 |
129,172 |
| Short-Term Debt |
|
1,507 |
3,535 |
4,012 |
573 |
1,011 |
1,192 |
980 |
4,838 |
2,861 |
4,654 |
926 |
| Other Short-Term Payables |
|
- |
- |
- |
1,562 |
2,441 |
2,614 |
- |
1,822 |
2,195 |
2,137 |
2,083 |
| Long-Term Debt |
|
15,810 |
14,388 |
14,904 |
14,426 |
14,970 |
14,973 |
11,821 |
13,714 |
16,380 |
14,337 |
13,589 |
| Other Long-Term Liabilities |
|
4,505 |
4,069 |
3,609 |
2,498 |
2,422 |
3,409 |
6,500 |
5,881 |
4,861 |
4,902 |
4,235 |
| Total Equity & Noncontrolling Interests |
|
15,870 |
16,232 |
16,220 |
16,250 |
21,203 |
23,111 |
22,210 |
17,327 |
19,172 |
19,645 |
21,724 |
| Total Preferred & Common Equity |
|
15,839 |
16,205 |
16,200 |
16,250 |
21,203 |
23,111 |
22,210 |
17,327 |
19,172 |
19,645 |
21,724 |
| Preferred Stock |
|
1,331 |
1,331 |
1,331 |
1,331 |
1,770 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
1,770 |
| Total Common Equity |
|
14,508 |
14,874 |
14,869 |
14,919 |
19,433 |
20,995 |
20,094 |
15,211 |
17,056 |
17,529 |
19,954 |
| Common Stock |
|
4,717 |
4,807 |
4,841 |
4,924 |
5,650 |
5,686 |
5,675 |
5,735 |
5,808 |
5,855 |
5,882 |
| Retained Earnings |
|
12,358 |
13,441 |
14,957 |
16,578 |
18,315 |
18,384 |
20,236 |
21,689 |
22,997 |
24,150 |
25,488 |
| Treasury Stock |
|
-2,764 |
-3,433 |
-5,002 |
-6,471 |
-5,724 |
-5,676 |
-7,024 |
-7,103 |
-7,262 |
-7,840 |
-8,306 |
| Accumulated Other Comprehensive Income / (Loss) |
|
197 |
59 |
73 |
-112 |
1,192 |
2,601 |
1,207 |
-5,110 |
-4,487 |
-4,636 |
-3,110 |
Quarterly Balance Sheets for Fifth Third Bancorp
This table presents Fifth Third Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q1 2026 |
| Total Assets |
|
207,276 |
212,967 |
214,574 |
214,506 |
213,262 |
214,318 |
212,927 |
212,669 |
209,991 |
212,903 |
297,039 |
| Cash and Due from Banks |
|
2,594 |
2,837 |
3,142 |
2,796 |
2,837 |
3,215 |
3,014 |
3,009 |
2,972 |
2,901 |
4,084 |
| Trading Account Securities |
|
50,801 |
49,367 |
51,933 |
51,842 |
52,037 |
53,358 |
52,351 |
52,585 |
51,628 |
49,512 |
64,763 |
| Loans and Leases, Net of Allowance |
|
119,564 |
117,748 |
114,912 |
114,167 |
114,291 |
114,363 |
117,439 |
119,807 |
119,984 |
120,865 |
173,328 |
| Loans and Leases |
|
121,891 |
120,088 |
117,234 |
116,485 |
116,579 |
116,668 |
119,791 |
122,191 |
122,396 |
123,130 |
176,250 |
| Allowance for Loan and Lease Losses |
|
2,327 |
2,340 |
2,322 |
2,318 |
2,288 |
2,305 |
2,352 |
2,384 |
2,412 |
2,265 |
2,922 |
| Loans Held for Sale |
|
760 |
614 |
378 |
339 |
537 |
612 |
640 |
473 |
646 |
576 |
1,365 |
| Premises and Equipment, Net |
|
2,812 |
2,783 |
2,808 |
2,803 |
2,781 |
2,782 |
2,794 |
2,820 |
2,904 |
3,034 |
3,283 |
| Goodwill |
|
4,919 |
4,919 |
4,919 |
4,918 |
4,918 |
4,918 |
4,918 |
4,918 |
4,918 |
4,947 |
9,966 |
| Intangible Assets |
|
146 |
136 |
125 |
115 |
107 |
98 |
90 |
82 |
75 |
76 |
1,233 |
| Other Assets |
|
25,680 |
34,563 |
36,357 |
37,526 |
35,754 |
34,972 |
31,681 |
28,975 |
26,864 |
30,992 |
39,017 |
| Total Liabilities & Shareholders' Equity |
|
207,276 |
212,967 |
214,574 |
214,506 |
213,262 |
214,318 |
212,927 |
212,669 |
209,991 |
212,903 |
297,039 |
| Total Liabilities |
|
189,467 |
196,423 |
195,402 |
195,488 |
194,036 |
193,534 |
193,282 |
192,266 |
188,867 |
191,796 |
262,933 |
| Non-Interest Bearing Deposits |
|
45,264 |
43,844 |
43,146 |
41,849 |
40,617 |
41,393 |
41,038 |
40,855 |
42,174 |
41,830 |
65,335 |
| Interest Bearing Deposits |
|
118,864 |
123,828 |
125,766 |
127,738 |
126,151 |
126,947 |
126,214 |
124,650 |
122,033 |
124,739 |
168,286 |
| Short-Term Debt |
|
5,817 |
4,594 |
2,861 |
2,866 |
3,370 |
1,424 |
4,450 |
5,457 |
3,393 |
5,077 |
1,289 |
| Other Short-Term Payables |
|
1,765 |
1,834 |
2,195 |
1,965 |
2,040 |
2,034 |
2,137 |
1,722 |
1,970 |
1,943 |
2,628 |
| Long-Term Debt |
|
12,278 |
16,310 |
16,380 |
15,444 |
16,293 |
17,096 |
14,337 |
14,539 |
14,492 |
13,677 |
18,753 |
| Other Long-Term Liabilities |
|
5,316 |
5,808 |
4,861 |
5,379 |
5,371 |
4,471 |
4,902 |
4,816 |
4,627 |
4,347 |
6,642 |
| Total Equity & Noncontrolling Interests |
|
17,809 |
16,544 |
19,172 |
19,018 |
19,226 |
20,784 |
19,645 |
20,403 |
21,124 |
21,107 |
34,106 |
| Total Preferred & Common Equity |
|
17,809 |
16,544 |
19,172 |
19,018 |
19,226 |
20,784 |
19,645 |
20,403 |
21,124 |
21,107 |
34,106 |
| Preferred Stock |
|
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
2,116 |
1,770 |
2,182 |
| Total Common Equity |
|
15,693 |
14,428 |
17,056 |
16,902 |
17,110 |
18,668 |
17,529 |
18,287 |
19,008 |
19,337 |
31,924 |
| Common Stock |
|
5,759 |
5,784 |
5,808 |
5,793 |
5,815 |
5,835 |
5,855 |
5,824 |
5,845 |
5,864 |
18,171 |
| Retained Earnings |
|
22,366 |
22,747 |
22,997 |
23,224 |
23,542 |
23,820 |
24,150 |
24,377 |
24,718 |
25,057 |
25,248 |
| Treasury Stock |
|
-7,266 |
-7,264 |
-7,262 |
-7,227 |
-7,346 |
-7,541 |
-7,840 |
-8,019 |
-8,009 |
-8,308 |
-8,261 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-5,166 |
-6,839 |
-4,487 |
-4,888 |
-4,901 |
-3,446 |
-4,636 |
-3,895 |
-3,546 |
-3,276 |
-3,234 |
Annual Metrics And Ratios for Fifth Third Bancorp
This table displays calculated financial ratios and metrics derived from Fifth Third Bancorp's official financial filings.
| Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$2.03 |
$1.95 |
$2.88 |
$3.11 |
$3.38 |
$1.84 |
$3.78 |
$3.38 |
$3.23 |
$3.16 |
$3.56 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
798.63M |
757.43M |
728.29M |
673.35M |
710.43M |
714.73M |
702.19M |
688.63M |
684.17M |
682.16M |
668.14M |
| Adjusted Diluted Earnings per Share |
|
$2.01 |
$1.93 |
$2.83 |
$3.06 |
$3.33 |
$1.83 |
$3.73 |
$3.35 |
$3.22 |
$3.14 |
$3.53 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
807.66M |
764.50M |
740.69M |
685.49M |
720.07M |
719.74M |
711.20M |
694.95M |
687.68M |
687.30M |
672.50M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
783.23M |
750.86M |
694.21M |
647.26M |
709.55M |
708.70M |
683.68M |
678.59M |
681.22M |
665.62M |
901.82M |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Quarterly Metrics And Ratios for Fifth Third Bancorp
This table displays calculated financial ratios and metrics derived from Fifth Third Bancorp's official financial filings.
| Metric |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| DEI Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
901,819,022.00 |
| DEI Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
901,819,022.00 |
| DEI Earnings Per Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
0.18 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
-0.78% |
-6.58% |
-5.38% |
-4.63% |
-0.98% |
0.56% |
1.77% |
7.83% |
7.93% |
- |
32.75% |
| EBITDA Growth |
|
1.05% |
-25.39% |
-5.87% |
-0.67% |
-11.45% |
16.49% |
0.25% |
7.01% |
14.69% |
- |
-48.48% |
| EBIT Growth |
|
0.12% |
-28.84% |
-8.36% |
-1.42% |
-13.95% |
18.03% |
-0.76% |
5.76% |
14.97% |
- |
-68.30% |
| NOPAT Growth |
|
1.07% |
-28.09% |
-6.81% |
0.00% |
-13.18% |
16.98% |
-0.96% |
4.49% |
13.26% |
- |
-67.96% |
| Net Income Growth |
|
1.07% |
-28.09% |
-6.81% |
0.00% |
-13.18% |
16.98% |
-0.96% |
4.49% |
13.26% |
- |
-67.96% |
| EPS Growth |
|
0.00% |
-29.00% |
-10.26% |
-1.22% |
-14.29% |
19.72% |
1.43% |
8.64% |
16.67% |
- |
-78.87% |
| Operating Cash Flow Growth |
|
-62.81% |
-0.05% |
-70.78% |
41.46% |
192.45% |
-104.87% |
219.43% |
92.34% |
-43.76% |
- |
-189.70% |
| Free Cash Flow Firm Growth |
|
-372.88% |
-1,429.77% |
129.25% |
-239.09% |
34.61% |
129.99% |
-240.98% |
121.31% |
107.17% |
- |
-431.46% |
| Invested Capital Growth |
|
7.53% |
7.06% |
-3.35% |
8.31% |
4.96% |
0.05% |
8.23% |
0.31% |
1.42% |
- |
34.03% |
| Revenue Q/Q Growth |
|
-1.37% |
0.28% |
-3.01% |
-0.57% |
2.40% |
1.83% |
-1.84% |
5.35% |
2.49% |
- |
20.90% |
| EBITDA Q/Q Growth |
|
7.98% |
-20.50% |
2.88% |
12.47% |
-3.73% |
4.58% |
-11.46% |
20.05% |
3.17% |
- |
-61.52% |
| EBIT Q/Q Growth |
|
9.16% |
-23.29% |
1.39% |
16.11% |
-4.71% |
5.22% |
-14.75% |
23.74% |
3.59% |
- |
-77.33% |
| NOPAT Q/Q Growth |
|
9.82% |
-19.70% |
-1.89% |
15.58% |
-4.66% |
8.20% |
-16.94% |
21.94% |
3.34% |
- |
-77.40% |
| Net Income Q/Q Growth |
|
9.82% |
-19.70% |
-1.89% |
15.58% |
-4.66% |
8.20% |
-16.94% |
21.94% |
3.34% |
- |
-77.40% |
| EPS Q/Q Growth |
|
10.98% |
-21.98% |
-1.41% |
15.71% |
-3.70% |
8.97% |
-16.47% |
23.94% |
3.41% |
- |
-85.44% |
| Operating Cash Flow Q/Q Growth |
|
32.50% |
225.79% |
-81.37% |
75.91% |
173.93% |
-105.43% |
1,320.79% |
5.92% |
-19.91% |
- |
-219.05% |
| Free Cash Flow Firm Q/Q Growth |
|
-214.47% |
-2.14% |
190.47% |
-231.49% |
46.18% |
146.84% |
-525.29% |
119.87% |
-81.89% |
- |
-534.41% |
| Invested Capital Q/Q Growth |
|
4.30% |
2.58% |
-2.82% |
4.18% |
1.07% |
-2.22% |
5.12% |
-3.44% |
2.18% |
- |
49.42% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
44.64% |
35.39% |
37.54% |
42.46% |
39.92% |
40.99% |
36.98% |
42.14% |
42.42% |
- |
14.35% |
| EBIT Margin |
|
39.29% |
30.06% |
31.42% |
36.70% |
34.15% |
35.28% |
30.64% |
35.99% |
36.38% |
- |
7.32% |
| Profit (Net Income) Margin |
|
30.65% |
24.55% |
24.83% |
28.87% |
26.88% |
28.56% |
24.17% |
27.97% |
28.21% |
- |
5.83% |
| Tax Burden Percent |
|
78.01% |
81.66% |
79.03% |
78.66% |
78.71% |
80.94% |
78.87% |
77.72% |
77.54% |
- |
79.71% |
| Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
- |
100.00% |
| Effective Tax Rate |
|
21.99% |
18.34% |
20.97% |
21.34% |
21.29% |
19.06% |
21.13% |
22.28% |
22.46% |
- |
20.29% |
| Return on Invested Capital (ROIC) |
|
7.52% |
5.75% |
5.62% |
6.55% |
5.93% |
6.30% |
5.30% |
6.23% |
6.30% |
- |
1.20% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
7.52% |
5.75% |
5.62% |
6.55% |
5.93% |
6.30% |
5.30% |
6.23% |
6.30% |
- |
1.20% |
| Return on Net Nonoperating Assets (RNNOA) |
|
8.81% |
5.96% |
5.79% |
6.68% |
6.26% |
6.17% |
5.15% |
5.80% |
5.61% |
- |
0.88% |
| Return on Equity (ROE) |
|
16.32% |
11.71% |
11.41% |
13.23% |
12.19% |
12.48% |
10.44% |
12.03% |
11.91% |
- |
2.08% |
| Cash Return on Invested Capital (CROIC) |
|
-0.18% |
-0.50% |
9.49% |
-1.80% |
0.96% |
5.97% |
-1.96% |
5.69% |
4.69% |
- |
-24.49% |
| Operating Return on Assets (OROA) |
|
1.66% |
1.24% |
1.28% |
1.48% |
1.35% |
1.40% |
1.22% |
1.48% |
1.51% |
- |
0.28% |
| Return on Assets (ROA) |
|
1.30% |
1.01% |
1.01% |
1.17% |
1.07% |
1.13% |
0.96% |
1.15% |
1.17% |
- |
0.22% |
| Return on Common Equity (ROCE) |
|
14.25% |
10.36% |
10.12% |
11.72% |
10.81% |
11.12% |
9.32% |
10.77% |
10.81% |
- |
1.92% |
| Return on Equity Simple (ROE_SIMPLE) |
|
15.45% |
0.00% |
12.15% |
12.02% |
10.70% |
0.00% |
11.32% |
11.06% |
11.43% |
- |
6.37% |
| Net Operating Profit after Tax (NOPAT) |
|
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
649 |
- |
165 |
| NOPAT Margin |
|
30.65% |
24.55% |
24.83% |
28.87% |
26.88% |
28.56% |
24.17% |
27.97% |
28.21% |
- |
5.83% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| SG&A Expenses to Revenue |
|
41.80% |
42.94% |
50.19% |
44.43% |
44.84% |
42.01% |
48.33% |
44.14% |
42.59% |
- |
65.71% |
| Operating Expenses to Revenue |
|
55.18% |
67.39% |
64.09% |
58.65% |
58.35% |
56.47% |
61.19% |
56.30% |
55.06% |
- |
84.66% |
| Earnings before Interest and Taxes (EBIT) |
|
846 |
649 |
658 |
764 |
728 |
766 |
653 |
808 |
837 |
- |
207 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
961 |
764 |
786 |
884 |
851 |
890 |
788 |
946 |
976 |
- |
406 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
1.15 |
1.33 |
1.48 |
1.46 |
1.55 |
1.62 |
1.43 |
1.44 |
1.52 |
- |
1.31 |
| Price to Tangible Book Value (P/TBV) |
|
1.77 |
1.88 |
2.11 |
2.07 |
2.12 |
2.26 |
1.96 |
1.96 |
2.06 |
- |
2.02 |
| Price to Revenue (P/Rev) |
|
1.87 |
2.60 |
2.92 |
2.94 |
3.42 |
3.34 |
3.06 |
3.16 |
3.33 |
- |
4.31 |
| Price to Earnings (P/E) |
|
6.86 |
10.23 |
11.63 |
11.58 |
14.04 |
13.16 |
12.12 |
12.58 |
13.05 |
- |
20.68 |
| Dividend Yield |
|
5.50% |
4.09% |
3.75% |
3.84% |
3.31% |
3.41% |
3.72% |
3.60% |
3.39% |
- |
3.38% |
| Earnings Yield |
|
14.57% |
9.77% |
8.60% |
8.64% |
7.12% |
7.60% |
8.25% |
7.95% |
7.66% |
- |
4.84% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.98 |
1.06 |
1.14 |
1.13 |
1.18 |
1.20 |
1.12 |
1.14 |
1.18 |
- |
1.11 |
| Enterprise Value to Revenue (EV/Rev) |
|
4.15 |
4.69 |
4.97 |
5.17 |
5.48 |
5.45 |
5.31 |
5.13 |
5.32 |
- |
6.18 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
9.91 |
11.84 |
12.56 |
12.93 |
14.13 |
13.56 |
13.24 |
12.80 |
13.09 |
- |
17.75 |
| Enterprise Value to EBIT (EV/EBIT) |
|
11.31 |
13.67 |
14.59 |
15.05 |
16.58 |
15.86 |
15.53 |
15.05 |
15.38 |
- |
21.71 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
14.39 |
17.39 |
18.49 |
19.00 |
20.87 |
19.98 |
19.57 |
19.04 |
19.53 |
- |
27.64 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
8.16 |
9.06 |
11.95 |
11.64 |
9.29 |
16.37 |
12.31 |
10.35 |
13.52 |
- |
27.60 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
11.85 |
0.00 |
126.13 |
20.15 |
0.00 |
20.07 |
25.40 |
- |
0.00 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
1.26 |
1.00 |
0.96 |
1.02 |
0.89 |
0.96 |
0.98 |
0.85 |
0.89 |
- |
0.59 |
| Long-Term Debt to Equity |
|
0.99 |
0.85 |
0.81 |
0.85 |
0.82 |
0.73 |
0.71 |
0.69 |
0.65 |
- |
0.55 |
| Financial Leverage |
|
1.17 |
1.04 |
1.03 |
1.02 |
1.06 |
0.98 |
0.97 |
0.93 |
0.89 |
- |
0.73 |
| Leverage Ratio |
|
12.57 |
11.56 |
11.32 |
11.36 |
11.45 |
11.01 |
10.84 |
10.49 |
10.20 |
- |
9.35 |
| Compound Leverage Factor |
|
12.57 |
11.56 |
11.32 |
11.36 |
11.45 |
11.01 |
10.84 |
10.49 |
10.20 |
- |
9.35 |
| Debt to Total Capital |
|
55.82% |
50.09% |
49.05% |
50.56% |
47.12% |
48.88% |
49.50% |
45.85% |
47.05% |
- |
37.01% |
| Short-Term Debt to Total Capital |
|
12.27% |
7.45% |
7.68% |
8.67% |
3.62% |
11.58% |
13.51% |
8.70% |
12.74% |
- |
2.38% |
| Long-Term Debt to Total Capital |
|
43.55% |
42.64% |
41.37% |
41.90% |
43.50% |
37.30% |
35.99% |
37.15% |
34.31% |
- |
34.63% |
| Preferred Equity to Total Capital |
|
5.65% |
5.51% |
5.67% |
5.44% |
5.38% |
5.51% |
5.24% |
5.42% |
4.44% |
- |
4.03% |
| Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| Common Equity to Total Capital |
|
38.53% |
44.40% |
45.28% |
44.00% |
47.50% |
45.61% |
45.27% |
48.73% |
48.51% |
- |
58.96% |
| Debt to EBITDA |
|
5.63 |
5.58 |
5.38 |
5.79 |
5.64 |
5.51 |
5.86 |
5.15 |
5.21 |
- |
5.92 |
| Net Debt to EBITDA |
|
4.87 |
4.67 |
4.56 |
4.96 |
4.66 |
4.62 |
4.98 |
4.29 |
4.40 |
- |
4.72 |
| Long-Term Debt to EBITDA |
|
4.40 |
4.75 |
4.54 |
4.80 |
5.20 |
4.20 |
4.26 |
4.17 |
3.80 |
- |
5.54 |
| Debt to NOPAT |
|
8.18 |
8.19 |
7.92 |
8.51 |
8.33 |
8.12 |
8.66 |
7.66 |
7.78 |
- |
9.23 |
| Net Debt to NOPAT |
|
7.07 |
6.85 |
6.71 |
7.28 |
6.88 |
6.82 |
7.36 |
6.38 |
6.57 |
- |
7.35 |
| Long-Term Debt to NOPAT |
|
6.38 |
6.97 |
6.68 |
7.05 |
7.69 |
6.20 |
6.30 |
6.20 |
5.67 |
- |
8.63 |
| Noncontrolling Interest Sharing Ratio |
|
12.72% |
11.59% |
11.32% |
11.43% |
11.34% |
10.90% |
10.74% |
10.49% |
9.28% |
- |
7.88% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
-1,962 |
-2,004 |
1,813 |
-2,384 |
-1,283 |
601 |
-2,556 |
508 |
92 |
- |
-13,584 |
| Operating Cash Flow to CapEx |
|
757.14% |
1,670.97% |
941.46% |
917.57% |
1,917.53% |
-89.38% |
948.46% |
683.77% |
491.08% |
- |
-757.53% |
| Free Cash Flow to Firm to Interest Expense |
|
-1.80 |
-1.63 |
1.48 |
-1.93 |
-1.03 |
0.55 |
-2.57 |
0.51 |
0.09 |
- |
-13.09 |
| Operating Cash Flow to Interest Expense |
|
0.58 |
1.68 |
0.32 |
0.55 |
1.49 |
-0.09 |
1.24 |
1.32 |
1.05 |
- |
-1.07 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
0.51 |
1.58 |
0.28 |
0.49 |
1.41 |
-0.20 |
1.11 |
1.13 |
0.83 |
- |
-1.21 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
- |
0.04 |
| Fixed Asset Turnover |
|
3.59 |
3.49 |
3.07 |
3.04 |
3.04 |
3.03 |
3.03 |
3.05 |
3.04 |
- |
3.18 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
37,448 |
38,413 |
37,328 |
38,889 |
39,304 |
38,432 |
40,399 |
39,009 |
39,861 |
- |
54,148 |
| Invested Capital Turnover |
|
0.25 |
0.23 |
0.23 |
0.23 |
0.22 |
0.22 |
0.22 |
0.22 |
0.22 |
- |
0.21 |
| Increase / (Decrease) in Invested Capital |
|
2,622 |
2,534 |
-1,293 |
2,985 |
1,856 |
19 |
3,071 |
120 |
557 |
- |
13,749 |
| Enterprise Value (EV) |
|
36,783 |
40,852 |
42,723 |
43,903 |
46,415 |
46,240 |
45,195 |
44,483 |
47,110 |
- |
60,039 |
| Market Capitalization |
|
16,600 |
22,637 |
25,093 |
24,961 |
28,994 |
28,351 |
26,092 |
27,454 |
29,487 |
- |
41,899 |
| Book Value per Share |
|
$21.19 |
$25.04 |
$24.65 |
$25.01 |
$27.58 |
$26.14 |
$27.47 |
$28.48 |
$29.21 |
- |
$35.40 |
| Tangible Book Value per Share |
|
$13.77 |
$17.64 |
$17.31 |
$17.67 |
$20.17 |
$18.67 |
$19.96 |
$21.00 |
$21.63 |
- |
$22.98 |
| Total Capital |
|
37,448 |
38,413 |
37,328 |
38,889 |
39,304 |
38,432 |
40,399 |
39,009 |
39,861 |
- |
54,148 |
| Total Debt |
|
20,904 |
19,241 |
18,310 |
19,663 |
18,520 |
18,787 |
19,996 |
17,885 |
18,754 |
- |
20,042 |
| Total Long-Term Debt |
|
16,310 |
16,380 |
15,444 |
16,293 |
17,096 |
14,337 |
14,539 |
14,492 |
13,677 |
- |
18,753 |
| Net Debt |
|
18,067 |
16,099 |
15,514 |
16,826 |
15,305 |
15,773 |
16,987 |
14,913 |
15,853 |
- |
15,958 |
| Capital Expenditures (CapEx) |
|
84 |
124 |
41 |
74 |
97 |
113 |
130 |
191 |
213 |
- |
146 |
| Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
| Net Nonoperating Obligations (NNO) |
|
20,904 |
19,241 |
18,310 |
19,663 |
18,520 |
18,787 |
19,996 |
17,885 |
18,754 |
- |
20,042 |
| Total Depreciation and Amortization (D&A) |
|
115 |
115 |
128 |
120 |
123 |
124 |
135 |
138 |
139 |
- |
199 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$0.91 |
$0.72 |
$0.70 |
$0.82 |
$0.78 |
$0.86 |
$0.71 |
$0.88 |
$0.91 |
$1.06 |
$0.16 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
684.22M |
684.17M |
685.75M |
686.78M |
680.90M |
682.16M |
671.05M |
670.79M |
666.43M |
668.14M |
825.12M |
| Adjusted Diluted Earnings per Share |
|
$0.91 |
$0.71 |
$0.70 |
$0.81 |
$0.78 |
$0.85 |
$0.71 |
$0.88 |
$0.91 |
$1.03 |
$0.15 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
687.06M |
687.68M |
690.63M |
691.08M |
686.11M |
687.30M |
676.04M |
674.03M |
670.88M |
672.50M |
830.27M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
681.02M |
681.22M |
684.04M |
676.80M |
670.54M |
665.62M |
667.49M |
661.89M |
661.01M |
901.82M |
906.31M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
660 |
530 |
520 |
601 |
573 |
620 |
515 |
628 |
649 |
- |
165 |
| Normalized NOPAT Margin |
|
30.65% |
24.55% |
24.83% |
28.87% |
26.88% |
28.56% |
24.17% |
27.97% |
28.21% |
- |
5.83% |
| Pre Tax Income Margin |
|
39.29% |
30.06% |
31.42% |
36.70% |
34.15% |
35.28% |
30.64% |
35.99% |
36.38% |
- |
7.32% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
0.78 |
0.53 |
0.54 |
0.62 |
0.58 |
0.70 |
0.66 |
0.82 |
0.84 |
- |
0.20 |
| NOPAT to Interest Expense |
|
0.60 |
0.43 |
0.42 |
0.49 |
0.46 |
0.57 |
0.52 |
0.64 |
0.65 |
- |
0.16 |
| EBIT Less CapEx to Interest Expense |
|
0.70 |
0.43 |
0.50 |
0.56 |
0.51 |
0.60 |
0.53 |
0.62 |
0.62 |
- |
0.06 |
| NOPAT Less CapEx to Interest Expense |
|
0.53 |
0.33 |
0.39 |
0.43 |
0.38 |
0.46 |
0.39 |
0.44 |
0.44 |
- |
0.02 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
39.55% |
45.13% |
45.56% |
46.21% |
52.29% |
50.82% |
51.36% |
50.94% |
47.89% |
- |
54.05% |
| Augmented Payout Ratio |
|
51.29% |
53.64% |
45.56% |
51.62% |
66.91% |
77.83% |
88.18% |
81.98% |
82.09% |
- |
67.86% |
Key Financial Trends
Fifth Third Bancorp’s latest results show a bank that is still profitable, but clearly facing some margin pressure and a softer operating backdrop compared with a year ago. In Q1 2026, FITB earned $165 million, or $0.15 per diluted share, down from $730 million and $1.03 per diluted share in Q4 2025. Revenue also slipped sequentially to $2.83 billion from $2.34 billion, while operating costs remained elevated.
The bigger trend over the last several quarters is mixed: loan balances have expanded meaningfully, deposits have been more volatile, and equity has improved versus a year ago, but cash flow from operations turned negative in the latest quarter. That combination suggests a bank still growing its balance sheet, yet not converting that growth into the same level of earnings momentum it had in late 2025.
- Loan growth remains strong. Loans and leases increased to $176.3 billion in Q1 2026 from $123.1 billion in Q3 2025 and $119.8 billion in Q1 2025, indicating continued balance-sheet expansion.
- Equity has improved materially year over year. Total common equity rose to $31.9 billion in Q1 2026 from $19.3 billion in Q3 2025 and $18.3 billion in Q1 2025.
- Book value cushion looks stronger. Total assets increased to $297.0 billion in Q1 2026, while total liabilities were $262.9 billion, leaving shareholders’ equity of $34.1 billion.
- Net interest income improved from early 2025 levels. Q1 2026 net interest income was $1.93 billion versus $1.44 billion in Q1 2025, showing better core earnings power than a year earlier.
- Deposit funding remains substantial. FITB ended Q1 2026 with $65.3 billion in non-interest-bearing deposits and $168.3 billion in interest-bearing deposits, which still provides a broad funding base.
- Non-interest income is holding up, but not surging. Q1 2026 non-interest income of $895 million was above the $694 million posted in Q1 2025, though it was below the stronger Q4 2025 level of $810 million.
- Capital and liquidity moves are balancing out. In Q1 2026, investing cash flow was strongly positive at $5.4 billion, but financing cash flow was negative $3.7 billion as deposits declined and debt activity normalized.
- Credit loss provisioning remains manageable. Provision for credit losses was $227 million in Q1 2026, above Q4 2025’s $118 million and Q1 2025’s $174 million, but not at a level that suggests severe stress yet.
- Profitability weakened sharply quarter over quarter. Net income fell from $731 million in Q4 2025 to $165 million in Q1 2026, and basic EPS dropped from $1.06 to $0.16.
- Operating cash flow was negative in Q1 2026. Net cash from operating activities came in at negative $1.1 billion, a notable deterioration from positive $929 million in Q4 2025 and positive $1.2 billion in Q1 2025.
- Deposits declined in the latest quarter. Net change in deposits was negative $3.4 billion in Q1 2026, compared with a positive $5.25 billion in Q4 2025, showing more funding pressure.
- Efficiency appears challenged. Total non-interest expense of $2.40 billion in Q1 2026 was high relative to revenue, contributing to just $207 million of pre-tax income.
Looking at the full four-year trend, FITB’s core business has grown, but earnings quality has been uneven. Revenue and loan balances are higher than they were in 2023, and equity is substantially larger than last year, but quarterly results show that margins, deposit trends, and expense control can swing earnings quickly. For retail investors, that means Fifth Third still looks like a solid regional bank franchise, but the latest quarter does not yet point to accelerating momentum.
Bottom line: FITB’s balance sheet growth and improved equity position are encouraging, but the latest drop in earnings and negative operating cash flow warrant caution. Investors will likely want to watch whether deposit balances stabilize and whether net interest income can keep outpacing expense growth in coming quarters.
06/03/26 01:03 PM ETAI Generated. May Contain Errors.