Sep 2026 (Q3 FY26) — Oct 19, 2026
Fifth Third Bancorp Q3 FY26 — Strong Profitability Post-Comerica Integration, Exceeding 2027 Targets
Read the full callFifth Third Bancorp (FITB) earnings
- Jun 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
Fifth Third Bancorp earnings: last reported Mon, 19 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 801 | +27.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
39 of 45 judged targets kept · 66 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Deposits generated by the Southwest direct marketing campaign | $1 billion in deposits across Texas, Arizona and California | Mar 2026 | added $2.5 billion in deposits, more than double the $1 billion expectation that we shared in our last earnings call | Achieved |
| Full-year adjusted pre-provision net revenue growth vs 2025 | up approximately 40% over 2025 | Mar 2026 | our guidance implies full year adjusted PPNR growth of more than 40% versus 2025, including the impact of CDI amortization | Revised Up |
| Launch of the Dividend platform home equity product | launch in the first quarter of 2026 on the Dividend platform | Jun 2025 | Ghosted |
6 of FIFTH THIRD BANCORP's 111 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 108 more targets are in the full ledger.
Claimed
- Adjusted PPNR grew 8% sequentially to $1.5 billion, driven by 2% revenue growth and 2% expense reduction.
- Adjusted return on tangible common equity (ROTCE) reached 20.6%, exceeding the 2027 target of 19%.
- Adjusted efficiency ratio improved to 54.6%, outperforming the 2027 target of 53%.
- Core deposits grew 3% sequentially to $236 billion, with retail deposits in Dallas and Houston growing over 20% YoY.
- Net charge-offs remained stable at 31 basis points, at the low end of guidance.
Qualified
- Capital markets fees declined $7 million sequentially due to late-quarter rate moves pushing out activity.
- Net interest margin (NIM) decreased 2 basis points sequentially to 3.34%, primarily due to elevated cash from conversion activities.
- The increase in longer-term interest rates impacted AOCI by $1.6 billion during the quarter.
- Share repurchase program was deferred due to rate increases, delaying a planned September repurchase.
Price
$50.51 +0.28% · +$0.14
Performance +23.5% 1Y
1Y: $40.89 on 17 Oct 2025 → $50.51. High $59.37 (16 Jul 2026), low $40.89 (17 Oct 2025).
- Previous close
- $50.37
- 52-week range
- $41.12 – $59.37
- One year
- +20.84%
Overview
- Symbol
- FITB
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
39 of 45 judged targets kept · 66 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Deposits generated by the Southwest direct marketing campaign | $1 billion in deposits across Texas, Arizona and California | Mar 2026 | added $2.5 billion in deposits, more than double the $1 billion expectation that we shared in our last earnings call | Achieved |
| Full-year adjusted pre-provision net revenue growth vs 2025 | up approximately 40% over 2025 | Mar 2026 | our guidance implies full year adjusted PPNR growth of more than 40% versus 2025, including the impact of CDI amortization | Revised Up |
| Launch of the Dividend platform home equity product | launch in the first quarter of 2026 on the Dividend platform | Jun 2025 | Ghosted |
Claimed
- Adjusted PPNR grew 8% sequentially to $1.5 billion, driven by 2% revenue growth and 2% expense reduction.
- Adjusted return on tangible common equity (ROTCE) reached 20.6%, exceeding the 2027 target of 19%.
- Adjusted efficiency ratio improved to 54.6%, outperforming the 2027 target of 53%.
- Core deposits grew 3% sequentially to $236 billion, with retail deposits in Dallas and Houston growing over 20% YoY.
- Net charge-offs remained stable at 31 basis points, at the low end of guidance.
Qualified
- Capital markets fees declined $7 million sequentially due to late-quarter rate moves pushing out activity.
- Net interest margin (NIM) decreased 2 basis points sequentially to 3.34%, primarily due to elevated cash from conversion activities.
- The increase in longer-term interest rates impacted AOCI by $1.6 billion during the quarter.
- Share repurchase program was deferred due to rate increases, delaying a planned September repurchase.
The full ledger
Open FIFTH THIRD BANCORP’s full ledger
A free account opens 5 company ledgers a month. All 111 tracked commitments, with each call’s wording and source.
Call summaries
Jun 2026 (Q2 FY26) — Jul 17, 2026
Fifth Third Q2 FY26 — Strong Integration Progress Drives Margin Expansion and Efficiency Gains
Read the full callMar 2026 (Q1 FY26) — Apr 17, 2026
Fifth Third Bancorp Q1 FY26 — Comerica acquisition closes with no TBV dilution, integration on track
Read the full callEvery analysed call
Fifth Third Bancorp earnings calls (FITB)
Financials
What the filings say
Net profit, year on year: +28% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 161 | — | — | — | — | — | — | — |
| Profit before tax | 728 | 766 | 653 | 808 | 837 | 913 | 207 | 1,036 |
| Tax rate | 21.3% | 19.1% | 21.1% | 22.3% | 22.5% | 20.0% | 20.3% | 22.7% |
| Net profit | 573 | 620 | 515 | 628 | 649 | 730 | 165 | 801 |
| EPS ($ per share) | 0.78 | — | 0.71 | 0.88 | 0.91 | — | 0.16 | 0.84 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 2,051 | 2,051 | 2,051 | 2,051 | 2,051 | 2,051 | 2,051 | 2,051 |
| Reserves | 16,578 | 18,315 | 18,384 | 20,236 | 21,689 | 22,997 | 24,150 | 25,488 |
| Total liabilities | 129,819 | 148,166 | 181,569 | 188,906 | 190,125 | 195,402 | 193,282 | 192,652 |
| Fixed assets | 1,861 | 1,995 | 2,088 | 2,120 | 2,187 | 2,349 | 2,475 | 2,734 |
| Total assets | 146,069 | 169,369 | 204,680 | 211,116 | 207,452 | 214,574 | 212,927 | 214,376 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 2,856 | 1,824 | 371 | 2,704 | 6,428 | 4,509 | 2,824 | 4,514 |
| Cash from investing | -4,141 | -797 | -31,902 | -7,968 | -4,871 | -9,488 | 1,039 | -1,846 |
| Cash from financing | 1,452 | -430 | 31,400 | 5,111 | -1,085 | 4,655 | -3,991 | -2,183 |
| Net cash flow | 167 | 597 | -131 | -153 | 472 | -324 | -128 | 485 |
| Capital expenditure | -192 | -243 | -305 | -309 | -348 | -491 | -414 | -584 |
| Free cash flow | 2,664 | 1,581 | 66 | 2,395 | 6,080 | 4,018 | 2,410 | 3,930 |
FITB revenue by segment
Commercial Banking shrank from 66% to 65% of revenue over the last three quarters.
| Segment | Q1 FY2024 | Q2 FY2024 | Q3 FY2024 | YoY growth latest quarter |
|---|---|---|---|---|
| Commercial Banking | 66% | 67% | 65% | — |
| Consumer and Small Business Banking | 34% | 33% | 35% | — |
| Wealth and Asset Management | 0% | 0% | 0% | — |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
FITB operating KPIs by quarter
| KPI | Mar 2025 Q1 FY25 | Jun 2025 Q2 FY25 | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|---|---|
| Common equity tier 1 ratio (CET1) | 10.5%Our strong profitability allowed us to maintain our CET1 ratio at 10.5%, consistent with our near-term target while growing our period-end loans by $2.4 billion, executing a $225 million share repurchase and absorbing the 7 basis point impact from the final CECL phase-in.Source: earnings call transcript | 10.6%We ended the quarter with a CET1 ratio of 10.6%, an increase of 13 basis points and consistent with our near-term target of 10.5%.Source: earnings call transcript | 10%CET1 ended at 10% and reflecting the impact of the Comerica transaction and strong RWA growth.Source: earnings call transcript | 9.93%CET1 ended the quarter at 9.93%, an increase of 4 basis points sequentially despite strong period-end loan growth and absorbing $175 million of after-tax charges related to the merger and other items.Source: earnings call transcript | 10%CET1 ended the quarter at 10%, up 9 basis points as earnings more than offset risk-weighted asset growth of 1% and the impact of $211 million of after-tax charges related to the integration and other items.Source: earnings call transcript | +0.1 pt |
| Common equity tier 1 ratio (CET1) Pro forma including AOCI | 8.3%Our pro forma CET1 ratio, including the AOCI impact of the securities portfolio is 8.3% up 52 basis points year-over-year.Source: earnings call transcript | 8.6%Our pro forma CET1 ratio including the AOCI impact of securities is 8.6%, up 60 basis points year-over-year.Source: earnings call transcript | — | 8.7%Our CET1 ratio, including the AOCI impact of our securities portfolio, was 8.7%, and tangible common equity, including AOCI, improved to 7.3%.Source: earnings call transcript | — | — |
| Net interest margin | — | — | — | 3.36%Net interest income was $2.22 billion, and net interest margin expanded 6 basis points sequentially to 3.36%.Source: earnings call transcript | 3.34%Net interest margin was 3.34%, down 2 basis points.Source: earnings call transcript | 0 pt |
| Assets under management (AUM) | — | — | $119BLooking further at wealth, fees were $233 million and total AUM ended the quarter at $119 billion.Source: earnings call transcript | $128BTotal assets under management were [ $128 billion ], and on a legacy Fifth Third basis, AUM was $85 billion, up 16% from the prior year.Source: earnings call transcript | $125BTotal assets under management were $125 billion at quarter end.Source: earnings call transcript | -2.3% |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
140 filings between Oct 20, 2025 and Aug 4, 2026.
Open market
decisions to buy or sellPurchases
$123.7K
2 purchases by 1 insider
Sales
$7.70M
22 sales by 5 insiders
5% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 46
- Award — granted as compensation
- 9
- Option exercise — converted options into shares
- 59
- Tax withheld — shares kept back by the company to cover tax
Also filed: 2 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Feiger Mitchell Stuart | — | $5.33M | Feb 12, 2026 |
| Sefzik Peter L | — | $1.01M | Apr 28, 2026 |
| Schramm Jude | — | $866.6K | Feb 24, 2026 |
| Khanna Kevin J | — | $304.6K | Apr 20, 2026 |
| Spence Timothy | — | $184.9K | Feb 18, 2026 |
| Bayh Evan | $123.7K | — | Oct 20, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 4, 2026 | Gibson Kala EVP | Option exercise | 7,018 | $186.1K |
| Aug 4, 2026 | Gibson Kala EVP | Tax withheld | 4,821 | $278.5K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Tax withheld | 6,041 | $346.8K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Option exercise | 9,654 | $258.0K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Option exercise | 8,248 | $244.5K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Tax withheld | 5,939 | $340.9K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Option exercise | 4,965 | $164.7K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Tax withheld | 6,667 | $382.7K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Tax withheld | 3,753 | $215.4K |
| Jul 20, 2026 | Leonard James C. EVP & Chief Operating Officer | Option exercise | 8,772 | $232.6K |
| Apr 29, 2026 | Gibson Kala EVP | Gift | 4,300 | — |
| Apr 28, 2026 | Sefzik Peter L EVP | Sale | 100 | $5.0K |
| Apr 28, 2026 | Sefzik Peter L EVP | Sale | 200 | $10.1K |
| Apr 28, 2026 | Sefzik Peter L EVP | Sale | 18,767 | $947.0K |
| Apr 28, 2026 | Sefzik Peter L EVP | Sale | 435 | $21.9K |
| Apr 28, 2026 | Sefzik Peter L EVP | Sale | 398 | $20.1K |
| Apr 28, 2026 | Sefzik Peter L EVP | Sale | 100 | $5.0K |
| Apr 21, 2026 | KERR DEREK J Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Heminger Gary R. Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Rogers Kathleen A Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Blackburn Katherine H. Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Daniels C. Bryan Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Clement-Holmes Linda W Director | Award | 2,838 | $0 |
| Apr 21, 2026 | MALLESCH EILEEN A Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Akins Nicholas K Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Van de Ven Michael G Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Bayh Evan Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Desmangles Laurent Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Almodovar Priscilla Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Smith Barbara Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Benitez Jorge L. Director | Award | 2,838 | $0 |
| Apr 21, 2026 | Feiger Mitchell Stuart Director | Award | 2,838 | $0 |
| Apr 20, 2026 | Khanna Kevin J EVP | Sale | 2,000 | $101.5K |
| Apr 20, 2026 | Khanna Kevin J EVP | Sale | 4,000 | $203.1K |
| Apr 17, 2026 | Lopper Jeffrey A Chief Accounting Officer | Option exercise | 3,835 | $69.5K |
| Apr 17, 2026 | Lopper Jeffrey A Chief Accounting Officer | Tax withheld | 2,046 | $103.0K |
| Feb 24, 2026 | Schramm Jude EVP & CIO | Sale | 3,501 | $176.9K |
| Feb 24, 2026 | Schramm Jude EVP & CIO | Sale | 395 | $20.0K |
| Feb 23, 2026 | Schramm Jude EVP & CIO | Sale | 7,170 | $365.4K |
| Feb 23, 2026 | Schramm Jude EVP & CIO | Sale | 3,267 | $166.5K |
| Feb 23, 2026 | Schramm Jude EVP & CIO | Sale | 547 | $27.9K |
| Feb 23, 2026 | Schramm Jude EVP & CIO | Sale | 16 | $816 |
| Feb 23, 2026 | Schramm Jude EVP & CIO | Tax withheld | 10,332 | $523.9K |
| Feb 23, 2026 | Schramm Jude EVP & CIO | Option exercise | 14,228 | $380.2K |
| Feb 19, 2026 | Preston Bryan D. Chief Financial Officer & EVP | Tax withheld | 2,564 | $135.6K |
| Feb 19, 2026 | Pinckney Nancy C. EVP | Tax withheld | 1,212 | $64.1K |
| Feb 19, 2026 | Spence Timothy Chair, CEO & President | Tax withheld | 9,531 | $504.2K |
| Feb 19, 2026 | Stevens Melissa S. EVP | Tax withheld | 943 | $49.9K |
| Feb 19, 2026 | Chayt Bridgit EVP | Tax withheld | 947 | $50.1K |
| Feb 19, 2026 | Leonard James C. EVP & Chief Operating Officer | Tax withheld | 3,366 | $178.1K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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