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FITB

Fifth Third Bancorp

FITB

Fifth Third Bancorp • NASDAQ
$43.46 ▲ 0.30% (+0.13)
Market Cap $28.73 B
52w High $48.19
52w Low $32.25
Dividend Yield 1.51%
P/E 12.97
Volume 1.39M
Outstanding Shares 661.01M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $3.3B ▲ $1.267B ▲ $649M ▲ 19.667% ▲ $0.91 ▲ $969M ▲
Q2-2025 $3.212B ▲ $1.242B ▼ $628M ▲ 19.552% ▲ $0.88 ▲ $946M ▲
Q1-2025 $3.075B ▼ $1.253B ▲ $515M ▼ 16.748% ▼ $0.71 ▼ $788M ▼
Q4-2024 $3.234B ▼ $1.199B ▲ $620M ▲ 19.171% ▲ $0.86 ▲ $889M ▲
Q3-2024 $3.311B $1.175B $573M 17.306% $0.78 $851M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $56.314B ▲ $212.903B ▲ $191.796B ▲ $21.107B ▼
Q2-2025 $54.108B ▼ $209.991B ▼ $188.867B ▼ $21.124B ▲
Q1-2025 $57.225B ▼ $212.669B ▼ $192.266B ▼ $20.403B ▲
Q4-2024 $58.94B ▼ $212.927B ▼ $193.282B ▼ $19.645B ▼
Q3-2024 $64.601B $214.318B $193.534B $20.784B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $649M ▲ $1.046B ▼ $-3.364B ▼ $2.247B ▲ $-71M ▼ $1.367B ▲
Q2-2025 $627M ▲ $1.306B ▲ $2.442B ▲ $-3.785B ▼ $-37M ▼ $1.115B ▲
Q1-2025 $515M ▼ $1.233B ▲ $-67M ▼ $-1.171B ▲ $-5M ▲ $1.103B ▲
Q4-2024 $620M ▲ $-101M ▼ $1.143B ▲ $-1.243B ▼ $-201M ▼ $-228M ▼
Q3-2024 $572M $1.86B $-1.155B $-327M $378M $1.729B

Revenue by Products

Product Q2-2024Q3-2024Q1-2025Q2-2025
Branch Banking
Branch Banking
 $0 ▲$0 ▲$0 ▲$70.00M ▲
Commercial Banking
Commercial Banking
 $0 ▲$0 ▲$0 ▲$90.00M ▲
Wealth And Asset Management
Wealth And Asset Management
 $0 ▲$0 ▲$0 ▲$100.00M ▲
Capital markets fees
Capital markets fees
 $0 ▲$0 ▲$90.00M ▲$0 ▼
Commercial banking revenue
Commercial banking revenue
 $140.00M ▲$160.00M ▲$80.00M ▼$0 ▼
Commercial payments revenue
Commercial payments revenue
 $0 ▲$0 ▲$150.00M ▲$0 ▼
Consumer banking revenue
Consumer banking revenue
 $0 ▲$0 ▲$140.00M ▲$0 ▼
Mortgage banking net revenue
Mortgage banking net revenue
 $50.00M ▲$50.00M ▲$60.00M ▲$0 ▼
Other noninterest income
Other noninterest income
 $40.00M ▲$10.00M ▼$10.00M ▲$0 ▼
Total interest income
Total interest income
 $2.62Bn ▲$2.67Bn ▲$2.43Bn ▼$0 ▼
Wealth and asset management revenue
Wealth and asset management revenue
 $160.00M ▲$160.00M ▲$170.00M ▲$0 ▼
Card and processing revenue
Card and processing revenue
 $110.00M ▲$110.00M ▲$0 ▼$0 ▲
Leasing business revenue
Leasing business revenue
 $40.00M ▲$40.00M ▲$0 ▼$0 ▲
Securities gains losses net
Securities gains losses net
 $0 ▲$10.00M ▲$0 ▼$0 ▲
Service charges on deposits
Service charges on deposits
 $160.00M ▲$160.00M ▲$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Fifth Third’s income statement shows a bank that is steadily generating more revenue than a few years ago, with profit levels that are solid but off their recent peak. After a sharp recovery from 2020, earnings have held up reasonably well even as the interest‑rate environment and credit costs became more normal again. Margins remain healthy for a regional bank, suggesting decent pricing power and cost discipline, but earnings per share have flattened rather than continued to climb, which signals a more mature, steady performer than a fast‑growing story. Key sensitivities remain loan losses in a weaker economy and pressure on spreads if funding costs stay elevated or move higher.

Balance Sheet

Balance Sheet The balance sheet is large, fairly stable in size, and reflects a traditional regional bank profile. Total assets have inched up over time rather than swinging wildly, which points to controlled growth. Cash on hand is a small slice of the balance sheet, as is typical for banks that rely mainly on deposits and securities for liquidity. Debt has risen compared with a few years ago, but not to an alarming level, and equity remains meaningful even though it has trended down from its earlier high. Overall, the balance sheet looks reasonably sturdy, but it is not getting stronger at a rapid pace; investors should continue to watch capital ratios, deposit stability, and credit quality as the cycle evolves.

Cash Flow

Cash Flow Cash generation has generally been healthy, with the bank consistently producing positive operating and free cash flow over the past several years. There is noticeable year‑to‑year volatility in operating cash flow, which is normal for banks given swings in loans, deposits, and securities, but the underlying picture is that the franchise throws off enough cash to comfortably fund its business and shareholder returns. Capital spending is modest and well within the bank’s means, reflecting a service‑based, technology‑heavy model rather than a capital‑intensive industrial business. The main watchpoint is not cash flow itself, but how future credit conditions or deposit trends might affect it.

Competitive Edge

Competitive Edge Fifth Third occupies a strong regional position with a growing footprint, especially in faster‑growing Southern and Southeastern markets, and now an expected boost from its planned merger with Comerica. Its competitive edge comes less from sheer size and more from a blend of technology, specialization, and geography. Partnerships with major fintechs and a push into embedded finance broaden its reach beyond traditional branch boundaries. At the same time, it faces intense competition from national banks, credit unions, and digital‑only players, all chasing the same customers and deposits. Its advantage will depend on executing well on integration, maintaining service quality during change, and keeping its digital offerings ahead of peers.

Innovation and R&D

Innovation and R&D Fifth Third stands out among regional banks for its deliberate technology and innovation strategy. Instead of building everything from scratch, it mixes building in‑house with buying and partnering, as seen in its acquisitions in solar lending and embedded finance. Its Newline platform, AI‑driven personalization, and a well‑regarded mobile app show that innovation is not just a buzzword but part of the product set customers actually use. Behind the scenes, the bank is investing in cloud infrastructure and modernizing core systems, which should improve efficiency but comes with the usual execution and conversion risks. In banking, these efforts are expensed rather than labeled as formal “R&D,” but the overall pattern is of a bank leaning into technology as a core differentiator.

Summary

Overall, Fifth Third looks like a mature but still evolving regional bank: earnings are steady, the balance sheet is generally sound, and cash generation is solid, while growth is more incremental than explosive. Its real story is strategic transformation—using technology, partnerships, and targeted acquisitions to punch above its weight in digital banking and embedded finance. This offers clear opportunity, especially as it expands in higher‑growth regions and integrates Comerica, but also raises execution and integration risks. The key things to monitor going forward are credit quality through the cycle, funding and deposit stability, how smoothly major tech and merger projects are delivered, and whether its digital and AI initiatives continue to translate into better customer retention and profitable growth.

NEWS

November 20, 2025 · 7:00 AM UTC

Fifth Third Celebrates 20 Years of Exclusive Partnership with the Ohio 529 CollegeAdvantage Plan

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November 18, 2025 · 6:09 PM UTC

Fifth Third Bancorp to Participate in the Goldman Sachs U.S. Financial Services Conference

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November 17, 2025 · 11:18 AM UTC

CMA Alert: Monsey Firm of Wohl & Fruchter Investigating Fairness of the Proposed Merger of Comerica With Fifth Third Bancorp In Light of Holdco Presentation

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November 7, 2025 · 7:00 AM UTC

Fifth Third Private Bank Named Best for Customer Service in North America for Second Year

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November 3, 2025 · 5:22 PM UTC

Comerica Investor Alert By The Former Attorney General Of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Comerica Incorporated - CMA

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