What guidance did Fifth Third's management provide for the next earnings period?

What is Fifth Third's latest dividend and current dividend yield?

What were the key takeaways from Fifth Third’s earnings call?

What does Fifth Third do and what are its main business segments?

What factors drove the changes in Fifth Third's revenue and profit?

What is the market's earnings forecast for Fifth Third next quarter?

What is the revenue and EPS growth rate for Fifth Third year over year?

What were the key takeaways from Fifth Third's earnings call?

- **Record Q4 Performance**: 5% revenue growth, 1.08 Non-GAAP EPS, and 54.3% efficiency ratio.
- **Merger Synergies**: $850M annual expense savings by 2027, with 37.5% realized in 2026.
- **Texas Growth**: 150 new branches planned, targeting 10%+ household growth.
- **Digital Leadership**: #1 mobile app, 400+ updates in 2025.
- **Credit Strength**: NCOs at 40bps, ACL coverage stable at 1.96%.

**【CEO Summary Section】**
- Reported Q4 2025 EPS of $1.04 (Non-GAAP $1.08), with adjusted ROE of 14.5% and efficiency ratio of 54.3%.
- Q4 revenue grew 5% YoY, driven by 6% NII growth, 8% commercial payments fees, and 13% wealth management fees.
- Loan growth: 7% in consumer C&I and 5% in average loans; deposits: 1% YoY growth in core deposits.
- Highlighted merger with Comerica, targeting $850M annual expense synergies and 2027 ROTCE of 19%+.
- Texas expansion plans: 150 new branches, with 50 locations secured, aiming for 10%+ household growth.
- Digital transformation success: #1 mobile app in regional banks, 400+ app updates in 2025.

**【CFO Financial Commentary】**
- Q4 NII: $1.5B (+6% YoY), NIM 3.13% (+16bps YoY), driven by loan repricing and liability management.
- 2026 guidance: NII $8.6-8.8B, noninterest income $4-4.4B, expense $7-7.3B (excluding merger costs).
- Deposit costs: 2.28% (down 40bps YoY), targeting 54.3% efficiency ratio in 2026.
- Credit quality: NCOs 40bps (lowest in 7 quarters), ACL 1.96% of loans.
- Capital: CET1 10.8%, tangible book value +21% YoY.

**【Q&A Highlights】**
- **Comerica Integration**: Early close (Feb 1, 2026), systems conversion by Q3 2026, targeting 37.5% of $850M synergies in 2026.
- **Texas Expansion**: 13M direct mail campaigns, 50+ branches secured, aiming for 10%+ household growth.
- **Loan Growth**: C&I production up 20% QoQ, middle market loans +7% YoY; utilization dip due to gov shutdown, but Q1 2026 balances +$800M.
- **Deposit Strategy**: 1M+ mail campaigns to Comerica branches, targeting 50%+ DDA growth in Texas.
- **EPS Accretion**: 9% in 2027, with potential to achieve targets in Q4 2026.

Fifth Third Bancorp(FITB)-20260120-2025 Q4 Earnings call transcript

- **$290B Category III Bank Creation**: Merger with Comerica to close Q1 2026, targeting 19%+ ROTCE.
- **Strong Q3 Performance**: 7% NII growth, 11% PPNR growth, 54.1% efficiency ratio.
- **Expansion Momentum**: 13 new Southeast branches (7% household growth), 60 Texas branches planned.
- **Fraud Impact**: $200M provision for Tricolor, no contagion risk in NDFI portfolio.
- **Deposit Strength**: 1.93% cost in Southeast, 25M/A branch deposits vs. 12M/A industry.
- **Credit Resilience**: 52bps NCOs (ex-Triple), 65bps NPA ratio, stable consumer delinquencies.

**【CEO Summary Section】**
- Announced merger with Comerica, expected to close by Q1 2026, creating a $290B Category III bank. 
- Q3 EPS of $0.93 (excluding fraud), with $200M provision for Tricolor fraud.
- 6% YoY loan growth, 3% deposit growth, 11% PPNR growth.
- Efficiency ratio 54.1%, ROA 1.25%, ROTCE 17.7%.
- Southeast expansion: 13 new branches, 7% household growth vs. 1.5% market.
- Texas expansion: 60 new branches, targeting 17 fast-growing metros.
- Middle market loans +6%, wealth AUM $77B, +11% fees.
- Newline payments deposits $3.9B, +31% YoY.

**【CFO Financial Commentary】**
- Q3 NII +7% YoY, +2% QoQ, driven by repricing and loan growth.
- Fee income +5% YoY, +7% QoQ, led by wealth (+11%), capital markets (+28%).
- Pre-provision net revenue +11% YoY, 330bps operating leverage.
- Deposit beta 60% on first 100bps rate cuts, targeting 30-50% beta in 2026.
- 2026 outlook: NII stable to +1%, PPNR +7-8%, CET1 10.5%.
- Share buybacks paused until merger close.

**【Q&A Highlights】**
- **Comerica Integration**: 
  - 60%+ cost synergies from 2026E, 19%+ ROTCE target.
  - Texas branches to leverage Fifth Third's payments platform.
  - Direct Express program to simplify for 3.4M participants.
- **Credit Quality**: 
  - NCOs 52bps (ex-Triple), guiding to 40bps in Q4.
  - NPA ratio 65bps, down 30% YoY.
  - Consumer delinquencies at pre-COVID levels.
- **Deposit Strategy**: 
  - 1.93% cost in Southeast vs. 2.35% industry average.
  - 25M/A branch deposits in Southeast vs. 12M/A industry.
- **Regulatory Update**: 
  - S-4 filing expected soon, targeting Q1 2026 close.
  - OCC accelerating charter approvals supports timeline.


Fifth Third Bancorp (FITB) Q3 2025 Earnings Call Transcript

- **Revenue Outperformance**: 6% YoY adjusted revenue growth, 250bps operating leverage, and 18% TBV growth highlight strong execution.
- **Credit Resilience**: Net charge-offs at 45bps (vs. 46bps prior quarter), NPAs down 11%, with commercial NPA decline of 18%.
- **NII Guidance Raise**: Full-year NII growth target increased to 5.5-6.5%, driven by fixed rate repricing and loan momentum.
- **Share Buybacks Resumed**: $400-500M repurchase plan for 2025, reflecting confidence in balance sheet flexibility.
- **Southeast Expansion**: 40 new branches by year-end, with de novo branches exceeding 25M deposit targets within 12 months.


**【CEO Summary Section】**
- **Revenue Growth**: Adjusted revenues rose 6% YoY, driven by 7% NII growth and 10% PPNR increase. Efficiency ratio improved to 55.5%, with 250bps positive operating leverage.
- **Credit Strength**: Net charge-offs at 45bps (vs. 46bps prior quarter), NPAs down 11% sequentially. Early delinquencies near historical lows.
- **Strategic Investments**: Southeast expansion with 40 new branches by year-end; Provide fintech platform records production. Home equity market share #2 in footprint.
- **Guidance Update**: Full-year NII guidance raised to 5.5-6.5% growth. Resuming share buybacks in Q3, targeting $400-500M for 2025.

**【CFO Financial Commentary】**
- **Net Interest Income**: Q2 NII up 7% YoY, 4% QoQ. Excluding a $14M NPL payoff, NII still grew 6% YoY. NIM expanded 9bps sequentially to 3.12%.
- **Deposit Management**: Core deposits stable, DDA up 3% QoQ. Deposit cost down 3bps QoQ, 65bps YoY. Nonrelationship broker deposits reduced by $4B+.
- **Fee Performance**: Noninterest income up 8% YoY, driven by 30% growth in Newline payments fees. Wealth AUM up 16% YoY in Southeast.
- **Expense Control**: Adjusted noninterest expense up 4% YoY but down 5% QoQ. Savings from value stream programs offset tech and branch investments.

**【Q&A Key Highlights】**
- **Capital Allocation**: Organic growth prioritized over M&A. Share buybacks resuming in Q3, but loan growth remains focus.
- **Commercial Loan Growth**: Middle market pipeline up 50% QoQ. C&I and CRE origination strength in Southeast offset tepid industry demand.
- **Stablecoins Impact**: Newline platform well-positioned for cross-border stablecoin transactions. Domestic payments impact seen as limited.
- **Regulatory Relief**: Expect benefits from stress test relief and Basel III reforms. Regional banks may gain capital flexibility.
- **Solar Lending**: 2026 originations expected to drop 70-80% due to tax credit phaseout. Shifting to home equity product for 2026+ growth.


Fifth Third Bancorp (FITB) Q2 2025 Earnings Call Transcript

- **Q1 Results Exceeded Expectations**: EPS of $0.71, PPNR +5%, ROE 11.2%, and 3% loan growth highlight strong execution.
- **NII Growth Accelerating**: 4% YoY expansion driven by margin improvements and disciplined balance sheet management.
- **Credit Resilience**: 2.7% ACL coverage ratio and stable charge-offs reflect prudent risk management.
- **2025 Growth Ambitions**: Target 10%+ tangible book value growth and record NII, even in adverse scenarios.
- **Strategic Flexibility**: Diversified fee streams, Southeast expansion, and adaptive balance sheet positioning for macro volatility.

**【CEO Opening Remarks】**
- **Q1 2025 Financial Highlights**: Reported EPS of $0.71 (vs. $0.73 excluding items), surpassing consensus estimates. PPNR grew 5% YoY, with adjusted ROE at 11.2%.
- **Loan Growth**: Total loans increased 3% YoY, driven by middle market C&amp;I, leasing, and consumer secured lending.
- **Net Interest Income (NII)**: Expanded 4% YoY, with net interest margin rising for the 5th consecutive quarter.
- **Credit Quality**: Charge-off rate stable; ACL coverage ratio at 2.7%, among highest peers.
- **Fee Income Diversification**: 5 fee categories each contributing >10% of total fees, mitigating capital markets volatility.
- **Future Outlook**: 
  - Target record NII within existing rate guidance, even without loan growth.
  - Maintain full-year positive operating leverage despite potential capital markets weakness.
  - Expect 10%+ tangible book value growth via AOCI accretion and earnings.
- **Capital Allocation**: Prioritize organic growth, dividend, and share buybacks.
- **Resilience Strategy**: Diversified balance sheet, flexible origination platforms, and proactive risk management to navigate macro uncertainty.

Fifth Third Bancorp (FITB)-17 Apr 25-2025 Q1 Earnings call transcript

- **Record Q4 Performance**: EPS beat expectations, ROE 13.7% vs. peers; 2024 full-year guidance met across NII, fees, and PPNR.
- **2025 Growth Outlook**: 5-6% NII growth, 3-4% loan growth, 4%+ revenue growth, and 2%+ operating leverage.
- **Middle Market Momentum**: Loans up 70% YoY, pipelines at record levels; 60 new Southeast branches planned for 2025.
- **Credit Stability**: NCO ratio 46bps, ACL coverage 2.08%; 2025 NCO guidance 40-49bps.
- **Deposit Efficiency**: 59% beta in Q4; 2025 deposit costs to remain disciplined amid loan growth.
- **Client Optimism**: 80% of clients more optimistic on 2025; labor availability top concern for middle market.

**【CEO Summary Section】**
- Reported EPS of $0.85 (excluding items) exceeded guidance, with adjusted ROE of 13.7%, leading peers.
- Q4 revenue grew 2% YoY, driven by $1B+ core PPNR and 54.7% efficiency ratio.
- Full-year NII, fees, and PPNR met 2024 guidance, with ROA of 1.17% and CET1 ratio up 20bps.
- Southeast deposit growth of 6% and 2.3% household growth; 31 new branches opened in 2024, 60 planned for 2025.
- Middle market loans up 70% YoY, C&amp;I pipelines at record levels; Wealth AUM up 17% to $69B.
- 2025 outlook: 5-6% NII growth, 3-4% loan growth, 4%+ revenue growth, and positive operating leverage.

**【CFO Financial Commentary】**
- Q4 NII $1.4B (+1% QoQ), NIM +7bps to 2.97%, cost of deposits down 35bps.
- Loan growth 3% QoQ, driven by C&amp;I and auto; deposits up 1% QoQ, core beta 59%.
- Fee income up 5% YoY, with Commercial Payments +7%, Capital Markets +16%.
- Expenses +1% QoQ, with $150M+ annualized savings from lean initiatives.
- Credit: NCO ratio 46bps, ACL coverage 2.08%; 2025 NCO guidance 40-49bps.
- CET1 10.5%, with AOCI impact at 8.1%, up 32bps YoY; $225M Q1 share buybacks.

**【Q&A Highlights】**
- **Loan Growth**: Middle market pipelines at record levels; 2025 C&amp;I growth expected to outpace HA.
- **Deposit Rates**: 59% beta in Q4; 2025 deposit costs to remain disciplined amid loan growth.
- **Capital Management**: CET1 target 10.5%; AOCI to improve as 60% of AFS in bullet/locked-out securities.
- **Market Trends**: 80% of clients more optimistic on 2025; labor availability top concern for middle market.
- **Fees**: Commercial Payments 40% of new relationships without credit; Wealth AUM-driven growth.
- **Regulatory Outlook**: Potential shift in regulation could unlock new opportunities in 2025.

Actual																0.04	0.23	0.78	0.78	0.93	0.94	0.97	0.9	0.68	0.76	0.91	1.01	0.78	0.82	0.91	0.72	0.7	0.81	0.78	0.85	0.71	0.88	0.91	1.04
Forecast																0.3403	0.1963	0.5974	0.6837	0.6892	0.8142	0.9112	0.9025	0.6944	0.8725	0.9742	0.9928	0.793	0.8286	0.8244	0.7652	0.6813	0.8476	0.8287	0.8753	0.7002	0.8674	0.8601	1	-0.0385
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-88.25%	+17.17%	+30.57%	+14.09%	+34.94%	+15.45%	+6.45%	-0.28%	-2.07%	-12.89%	-6.59%	+1.73%	-1.64%	-1.04%	+10.38%	-5.91%	+2.74%	-4.44%	-5.88%	-2.89%	+1.40%	+1.45%	+5.80%	+4.00%	0.00%

Actual	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	1.90B	1.85B	1.90B	1.97B	1.93B	1.95B	2.03B	1.99B	1.88B	2.02B	2.17B	2.32B	2.22B	2.19B	2.16B	2.17B	2.10B	2.09B	2.14B	2.17B	2.14B	2.25B	2.31B	2.34B	--
Forecast	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	1.89B	1.84B	1.86B	1.92B	1.90B	1.94B	1.99B	2.02B	1.94B	2.07B	2.21B	2.33B	2.23B	2.19B	2.15B	2.16B	2.09B	2.11B	2.16B	2.21B	2.16B	2.22B	2.29B	2.34B	2.83B
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+0.67%	+0.57%	+1.90%	+2.78%	+1.23%	+0.55%	+1.99%	-1.46%	-2.91%	-2.68%	-1.50%	-0.67%	-0.44%	-0.06%	+0.27%	+0.44%	+0.69%	-1.08%	-1.20%	-1.52%	-0.93%	+1.34%	+0.73%	0.00%	0.00%

FITB

FITB fundamentals

FITB Q1 2026 Earnings Preview

Earnings Call

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FITB

FITB fundamentals

FITB Q1 2026 Earnings Preview

Earnings Call

FITB Earnings Call Summary for Q1/2026Upcoming9:00 AM on Apr 17, 2026

FITB Earnings Call Summary for Q4/202510:00 AM on Jan 20, 2026

FITB Earnings Call Summary for Q3/20259:00 AM on Oct 17, 2025

FITB Earnings Call Summary for Q2/20259:00 AM on Jul 17, 2025

FITB Earnings Call Summary for Q1/20259:00 AM on Apr 17, 2025

You can ask Aime