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FITBP

Fifth Third Bancorp

FITBP

Fifth Third Bancorp • NASDAQ
$24.86 ▼ -0.46% (-0.12)
Market Cap $16.43 B
52w High $25.50
52w Low $23.04
Dividend Yield 1.50%
P/E 7.14
Volume 2.31K
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 Q2-2024Q3-2024Q4-2024Q2-2025
Branch Banking
Branch Banking
 $80.00M ▲$80.00M ▲$400.00M ▲$150.00M ▼
Commercial Banking
Commercial Banking
 $140.00M ▲$160.00M ▲$230.00M ▲$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 bank that has grown its revenue meaningfully over the past five years while keeping profitability relatively steady. Earnings peaked in 2021 and have eased a bit since, but they remain clearly above pre‑pandemic levels. Profit margins are reasonably healthy and quite consistent, which signals decent cost control and a resilient core franchise. The pattern suggests a mature institution: growth is there, but not explosive, and recent years look more like “holding strong” than aggressively expanding profit per share.

Balance Sheet

Balance Sheet The balance sheet looks steady and fairly conservative for a regional bank. Total assets have been broadly flat over several years, indicating controlled growth rather than rapid balance‑sheet expansion. Equity dipped after 2021 but has begun to rebuild, which is encouraging for capital strength. Borrowings are somewhat higher than earlier in the period but not alarmingly so, pointing to a moderate use of wholesale funding. Cash on hand is stable and small compared with total assets, which is normal for a bank that relies on deposits and securities rather than piles of idle cash. Overall, the picture is of a solid but not bulletproof balance sheet where asset quality and funding costs remain key things to watch.

Cash Flow

Cash Flow Cash generation has been consistently positive, though quite up‑and‑down from year to year, which is typical for banks as interest rates and loan flows shift. Operating cash flow surged in 2022 and then came back down, but it remained comfortably positive in the most recent year. Free cash flow has also stayed positive throughout the period, even after regular investments in technology and infrastructure. Capital spending is modest and stable, suggesting the bank is investing in its platform without straining its cash resources. The cash‑flow profile supports the idea of a business that can fund its own growth and shareholder returns under normal conditions, while still being sensitive to the interest‑rate environment.

Competitive Edge

Competitive Edge Fifth Third sits in the middle tier of U.S. banks: large enough to matter nationally, but still very much a regional player. Its competitive strength comes from a diversified mix of business lines—commercial, consumer, small business, and wealth management—rather than reliance on a single segment. A strong base of core deposits and ample liquidity give it a cushion in times of stress and help keep funding costs in check. The bank has deliberately expanded from its Midwest roots into faster‑growing Southeast markets, using data‑driven tools to choose new branch locations. It also competes well in payments and treasury services, which deepens relationships with commercial clients. The main competitive risks are intense rivalry among regional banks, pricing pressure on loans and deposits, and the need to keep up with both big national banks and nimble fintechs.

Innovation and R&D

Innovation and R&D Fifth Third is unusually active on the innovation front for a regional bank. It uses a mix of building its own tools, partnering with fintechs, and acquiring niche players to accelerate its capabilities. The Newline embedded payments platform, strong digital transaction growth, and a modern cloud‑based technology stack all point to a bank that takes digital seriously. Planned use of artificial intelligence in its mobile app and operations could lower service costs and sharpen customer experience if executed well. Acquisitions in areas like real‑time payments, solar financing, healthcare data, and cash management broaden what it can offer to both retail and commercial clients. There is also a clear push into sustainable and ESG‑linked finance, which may open doors with certain customers and investors but remains an evolving area with uncertain long‑term payoff.

Summary

Overall, Fifth Third Bancorp looks like a well‑established regional bank that has grown steadily, maintained solid profitability, and kept its balance sheet in generally good shape. Earnings have leveled off rather than continuing to climb, but they are still comfortably above pandemic‑era levels. The bank’s diversification, strong deposit base, and targeted expansion into high‑growth regions support its long‑term franchise. At the same time, it is investing heavily in digital platforms, AI, and specialized products to differentiate itself in a crowded market. Key things to monitor going forward include how well those technology and Southeast growth bets translate into higher, more stable earnings; how credit quality holds up through economic cycles; and how funding costs evolve as competition for deposits remains intense.