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FITBI

Fifth Third Bancorp

FITBI

Fifth Third Bancorp • NASDAQ
$25.67 ▲ 0.04% (+0.01)
Market Cap $16.83 B
52w High $26.25
52w Low $24.75
Dividend Yield 2.34%
P/E 7.37
Volume 9.42K
Outstanding Shares 655.62M

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 Q2-2024Q3-2024Q4-2024Q1-2025
Branch Banking
Branch Banking
 $80.00M ▲$80.00M ▲$320.00M ▲$140.00M ▼
Commercial Banking
Commercial Banking
 $140.00M ▲$160.00M ▲$80.00M ▼$130.00M ▲
Wealth And Asset Management
Wealth And Asset Management
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Fifth Third’s income statement shows a steady, healthy bank franchise. Revenue has grown meaningfully over the last several years, especially as interest income improved with higher rates and fee businesses held up. Operating profit and net income have been consistently positive, with only modest ups and downs rather than big swings. Profitability remains solid: the bank is clearly earning more than it spends, and margins have held fairly stable even as the rate environment and credit cycles changed. Earnings per share were strongest a few years ago and have eased slightly, but they are still well above early‑pandemic levels, suggesting the business model is working and credit costs remain under control. The main watchpoint is that earnings growth has flattened recently compared with the strong jump seen earlier in the period, which makes future profit growth more dependent on cost control, loan growth quality, and fee income resilience.

Balance Sheet

Balance Sheet The balance sheet looks stable and conservatively managed for a regional bank. Total assets have hovered in a fairly tight range, indicating disciplined growth rather than aggressive balance sheet expansion. Debt has crept higher over time compared with earlier years, but not in a way that suggests outsized leverage, especially given the bank’s strong regulatory capital and liquidity ratios. Equity dipped from its peak a few years ago and then recovered somewhat, which is consistent with capital returns to shareholders, market value changes in securities, and regulatory capital optimization. Cash on the balance sheet is relatively modest, but for a bank the more important story is access to diverse funding and liquid assets overall. Here, Fifth Third’s reported capital strength and liquidity coverage suggest a solid buffer against shocks, though it still faces the usual sector risks around credit quality and deposit stability in stress scenarios.

Cash Flow

Cash Flow Cash flow for banks is always noisy, but the broad pattern for Fifth Third is reassuring. Operating cash flow has been consistently positive, though it can swing as loans, deposits, and securities shift with interest rates and customer behavior. Free cash flow has also been positive in each of the last several years, reflecting a business that generates more cash than it needs for day‑to‑day operations and routine technology and branch investments. Capital spending has been modest relative to the size of the franchise, consistent with a mature regional bank investing mainly in digital platforms, infrastructure, and selective growth initiatives rather than heavy physical build‑out. Overall, the cash‑generation profile supports ongoing investment, balance sheet strengthening, and returns to capital providers, while the volatility in annual cash flows mainly reflects normal banking dynamics rather than structural stress.

Competitive Edge

Competitive Edge Fifth Third is a sizable regional bank with a diversified mix across commercial banking, consumer and small‑business banking, and wealth management. This spread of activities helps smooth results when any single segment faces pressure, and it reduces dependence on one narrow profit source. Its capital and liquidity levels are described as strong, giving it resilience compared with weaker peers and enabling continued investment and steady dividends through cycles. Operational efficiency also appears to be a relative strength: management emphasizes cost discipline alongside growth, which is important as many regional banks feel margin pressure from funding costs and competition. That said, the bank still competes in a crowded field of national, super‑regional, and fintech players. It is leaning heavily on technology, specialized lending niches, and expansion in growth markets like the Southeast to defend and grow share. Its performance will remain sensitive to credit conditions, commercial real estate trends, and interest‑rate moves, like other regional banks.

Innovation and R&D

Innovation and R&D Fifth Third stands out among regional banks for how aggressively it is using technology and partnerships to modernize. Rather than building everything in‑house, it follows a “buy‑partner‑build” approach—acquiring or partnering with fintechs where it makes sense and integrating those tools into its own platforms. Key themes include advanced digital payments platforms, embedded finance solutions for commercial customers, and deep use of cloud infrastructure to make the bank more scalable and resilient. The bank is also pushing hard into artificial intelligence, using it both internally to improve productivity and externally to enhance the customer experience in its app and digital channels. Strategic acquisitions and partnerships in areas like healthcare practice finance, residential solar financing, and real‑time payments give it differentiated offerings versus some traditional regional peers. The main execution risks are integration complexity, technology and cybersecurity demands, and ensuring AI and fintech initiatives stay aligned with strict regulatory and risk‑management standards.

Summary

Overall, Fifth Third Bancorp appears to be a well‑run regional bank with steady earnings, a solid balance sheet, and a visible technology‑driven strategy. The income statement shows consistent profitability and improved revenue over time, though earnings growth has become more modest recently. The balance sheet and regulatory ratios suggest a prudent risk posture, and cash generation has been strong enough to fund both investment and capital returns. Its competitive position benefits from diversification across business lines, disciplined operations, and a strong capital base, but it still faces the usual regional‑bank sensitivities to the economic cycle and interest rates. Where it differentiates itself is in innovation: heavy use of cloud, AI, embedded payments, and targeted fintech deals gives it tools to deepen customer relationships and improve efficiency. Looking ahead, the key things to watch are credit quality in a changing economy, the impact of rate moves on margins, the success of Southeast expansion, and whether its technology and fintech strategy continues to translate into durable growth and risk‑aware innovation.

NEWS

October 14, 2025 · 1:00 PM UTC

Fifth Third Named to Forbes Best Customer Service List

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