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FITBO

Fifth Third Bancorp

FITBO

Fifth Third Bancorp • NASDAQ
$19.76 ▼ -0.20% (-0.04)
Market Cap $13.06 B
52w High $23.73
52w Low $19.52
Dividend Yield 1.24%
P/E 5.67
Volume 9.83K
Outstanding Shares 661.02M

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 Q2-2024Q3-2024Q4-2024Q3-2025
Branch Banking
Branch Banking
 $80.00M ▲$80.00M ▲$400.00M ▲$140.00M ▼
Commercial Banking
Commercial Banking
 $140.00M ▲$160.00M ▲$230.00M ▲$140.00M ▼
Wealth And Asset Management
Wealth And Asset Management
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown meaningfully over the last five years, showing that the bank has been able to expand its business despite a choppy interest‑rate environment. Profitability has been fairly steady, with earnings only slightly off their earlier peak, suggesting decent cost control but also some margin pressure as funding costs and credit conditions move around. Overall, the income statement points to a mature, diversified bank that is growing at a measured pace rather than surging, with no obvious signs of stress but not a straight‑line improvement either.

Balance Sheet

Balance Sheet The balance sheet is large, stable, and broadly consistent over time, which is typical for a regional bank of this size. Total assets have hovered in a relatively tight range, equity has slipped from earlier highs but is now fairly steady, and debt has crept higher compared with a few years ago, which slightly reduces financial flexibility. Cash levels are modest relative to total assets but appear adequate for day‑to‑day needs, with regulatory capital described as solid, which is important for absorbing shocks and supporting growth.

Cash Flow

Cash Flow Operating cash flow has been positive every year but has swung up and down, reflecting normal banking cycles and changes in working capital and loan activity. Free cash flow has been consistently positive and generally improved compared with the early part of the period, helped by disciplined spending on technology and infrastructure. Capital investment is meaningful but not heavy, indicating a focus on upgrading systems and capabilities without overextending on long‑term projects.

Competitive Edge

Competitive Edge Fifth Third operates as a sizable regional bank with a diversified business mix across commercial, retail, lending, and wealth management, which helps spread risk and smooth earnings. Its emphasis on middle‑market clients and expansion in faster‑growing Southeastern markets strengthens its franchise and gives it room to grow beyond its traditional footprint. A solid capital position and a reputation for disciplined expense management support resilience, but the bank still faces intense competition from other regionals, national banks, and fintechs, especially on pricing and digital experience.

Innovation and R&D

Innovation and R&D The bank is leaning heavily into digital innovation, with platforms for embedded finance, AI‑driven customer service, and digital wealth tools that go beyond basic online banking. Partnerships and acquisitions in areas like payments, solar and sustainable home improvement financing, and digital estate planning show a willingness to pursue niche, higher‑growth opportunities. Investments in cloud infrastructure and AI suggest that management sees technology as a core differentiator, though the payoff depends on execution and on staying ahead of fast‑moving fintech competitors.

Summary

Overall, Fifth Third comes across as a well‑established regional bank with steady revenue growth, solid though not surging profitability, and a generally stable balance sheet. Cash generation is healthy enough to fund ongoing technology and growth investments while maintaining flexibility. Competitively, the bank is trying to separate itself through digital platforms, embedded finance, and specialized lending in areas like sustainable energy, rather than relying only on traditional branch banking. The main story to watch is whether these technology and expansion bets translate into stronger growth and more durable advantages in a highly competitive and evolving banking landscape.