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Fifth Third said it completed the major integration of Comerica, creating a faster middle-market growth path supported by a 53% efficiency ratio and 19 plus percent ROTCE.
Fifth Third Bancorp reported third quarter 2026 earnings per share of $0.90 ($1.13 adjusted), with adjusted PPNR up 8% sequentially. The bank exceeded two of three 2027 profitability targets a year after announcing its Comerica acquisition.
Fifth Third Bancorp reported third quarter 2026 net income available to common shareholders of $828 million ($0.90 diluted EPS), with adjusted EPS of $1.13 and adjusted ROTCE of 20.6%. Net interest income rose 3% sequentially to $2,276 million after the completed Comerica systems conversion.
Fifth Third Bancorp will redeem all outstanding 1.707% Fixed Rate/Floating Rate Senior Notes due 2027 on November 1, 2026, paying 100% of the $500 million principal amount plus accrued and unpaid interest.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Fifth Third reported strong Q3 results following the completion of the Comerica systems conversion, with adjusted PPNR up 8% sequentially, an adjusted ROTCE of 20.6%, and management guiding Q4 adjusted PPNR to grow 9-10%, putting the company on track to meet or exceed its 2026 exit-rate profitability targets. Management indicated rate-driven outperformance versus the 53% efficiency target is possible, but deferred details to January 2027 guidance.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| 30-89 days past due | $540M | 3Q26 | — |
| 30-89 days past due as a % of portfolio loans and leases | 0.3% | 3Q26 | — |
| 90 days past due as a % of portfolio loans and leases | 0.02% | As of and For the Three Months Ended September 30, 2026 | — |
| ACL as a percent of portfolio loans and leases(f) | 1.74% | As of September 30, 2026 | — |
| ACL coverage ratio | 292% | As of and For the Three Months Ended September 30, 2026 | — |
| Adjusted efficiency ratio non-GAAP | 250 | 3Q26 | — |
| Adjusted efficiency ratio (x) / [(a) + (v)] non-GAAP | 54.6% | Three months ended September 2026 | — |
| Adjusted net income (annualized) (y) non-GAAP | $4.27B | Three months ended September 2026 | — |
| Adjusted net income (r) + (t) non-GAAP | $1.08B | Three months ended September 2026 | — |
| Adjusted noninterest expense non-GAAP | $1.82B | 3Q26 | — |
| Adjusted noninterest income, excluding certain items and securities losses (v) non-GAAP | $1.05B | Three months ended September 2026 | — |
| adjusted PPNR non-GAAP | 8% | 3Q26 | — |
| Adjusted pre-provision net revenue (PPNR) (a) + (v) - (x) non-GAAP | $1.51B | Three months ended September 2026 | — |
| Adjusted return on average common equity non-GAAP | 12.8% | 3Q26 | — |
| Adjusted return on average tangible common equity, excluding AOCI (z) / (k) non-GAAP | 17.4% | Three months ended September 2026 | — |
| adjusted ROA non-GAAP | 1.41% | 3Q26 | — |
| adjusted ROTCE non-GAAP | 20.6% | 3Q26 | — |
| Adjusted tangible net income available to common shareholders (annualized) (z) non-GAAP | $4.31B | Three months ended September 2026 | — |
| Adjusted tangible net income available to common shareholders (h) + (t) non-GAAP | $1.09B | Three months ended September 2026 | — |
| Adjustments - after-tax non-GAAP | $210M | 3Q26 | — |
| ALLL as a percent of portfolio loans and leases | 1.61% | As of September 30, 2026 | — |
| Assets under care ( in billions)(g) | 880B | As of September 30, 2026 | — |
| Assets under management ( in billions)(g) | 125B | As of September 30, 2026 | — |
| ATMs | 2,549 | As of September 30, 2026 | — |
| Available-for-sale portfolio | 47.7B | As of September 30, 2026 | — |
| Average Active Digital Users | 3.49M | 3Q26 | — |
| Average Active Mobile Users | 2.73M | 3Q26 | — |
| Average interest-bearing liabilities (g) | $194.66B | Three months ended September 2026 | — |
| Average interest-earning assets (f) | $270.02B | Three months ended September 2026 | — |
| Average tangible common equity, excluding AOCI (k) non-GAAP | $24.77B | Three months ended September 2026 | — |
| Average tangible common equity, including AOCI (j) non-GAAP | $20.96B | Three months ended September 2026 | — |
| Banking centers | 1,429 | As of September 30, 2026 | — |
| Category 1 LCR compliance | 102% | 3Q26 | — |
| CET1 capital | 10.02% | As of September 30, 2026 | — |
| Commercial NCO ratio | 0.22% | For the Three Months Ended September 30, 2026 | — |
| commercial new quality relationships | 70% | 3Q26 | — |
| Common shares outstanding (q) | 907M | September 2026 | — |
| Consumer NCO ratio | 0.52% | For the Three Months Ended September 30, 2026 | — |
| Core deposits(c) | $235.64B | Three months ended September 2026 | — |
| Criticized rate | 44 | 3Q26 | — |
| Effective duration | 4.4 | As of 9/30/2026 | — |
| Efficiency | 62.4% | 3Q26 | — |
| Efficiency (FTE)(a) non-GAAP | 62.4% | Three months ended September 2026 | — |
| Efficiency ratio (FTE) non-GAAP | 62.4% | 3Q26 | — |
| Efficiency ratio (FTE) (w) / [(a) + (u)] non-GAAP | 62.4% | Three months ended September 2026 | — |
| Full-time equivalent employees | 25,069 | As of September 30, 2026 | — |
| Fully-phased CET1 | 9.2% | 3Q26 | — |
| Gain-on-sale margin | 0.93% | 3Q26 | — |
| Held-to-maturity portfolio | 20.9B | As of September 30, 2026 | — |
| HFI loans were variable rate net of existing hedges | 58% | September 30, 2026 | — |
| Interchange litigation | $34M | 3Q26 | — |
| Interest income (FTE) non-GAAP | $3.5B | Three Months Ended September 2026 | — |
GAAP → non-GAAP reconciliationGAAP Interest income 3.5B
+5M Taxable equivalent adjustment
= Interest income (FTE) 3.5B
|
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| Interest income (FTE) (annualized) (d) non-GAAP | $13.9B | Three Months Ended September 2026 | — |
| Investment grade or equivalent exposure | 87% | 3Q26 | — |
| Lead left/lead right | 50% | 3Q26 | — |
| Leverage | 9.22% | As of September 30, 2026 | — |
| Leveraged | 3.7B | 3Q26 | — |
| Leveraged criticized asset ratio | 2.1% | 3Q26 | — |
| Loan balance | 46.6B | 3Q26 | — |
| loan-to-core deposit ratio | 76% | 3Q26 | — |
| Loans and leases, including held for sale | $180.01B | Three months ended September 2026 | — |
| Merger-related charges | $225M | 3Q26 | — |
| NCO ratio non-GAAP | 0.31% | 3Q26 | — |
| NDFI portfolio characteristics | 14.3B | 3Q26 | — |
| Net charge-off ratio (NCO ratio) | 0.31% | For the Three Months Ended September 30, 2026 | — |
| Net charge-offs | 31 | 3Q26 | — |
| Net interest income (FTE) (annualized) (c) non-GAAP | $9.03B | Three Months Ended September 2026 | — |
| Net interest income (FTE)(a) non-GAAP | $2.28B | Three months ended September 2026 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP Net interest income 2.27B
+5M Taxable equivalent adjustment
= Net interest income (FTE) 2.28B
|
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| Net interest margin (FTE)(a) non-GAAP | 3.34% | Three months ended September 2026 | — |
|
|
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| Net interest margin (NIM) | 3.34% | 3Q26 | — |
| Net interest rate spread (FTE) (d) / (f) - (e) / (g) non-GAAP | 2.65% | Three Months Ended September 2026 | — |
|
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| Net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.31% | Three months ended September 2026 | — |
|
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| Net losses charged-off(h) | $139M | Three months ended September 2026 | — |
| New Consumer Deposit Accounts | 33% | 3Q26 | — |
| Non-agency CMBS portfolio | 2.7B | As of September 30, 2026 | — |
| Non-core funding matures beyond one year | 13.8B | As of September 30, 2026 | — |
| Noninterest expense excluding certain item(s) non-GAAP | $1.81B | 3Q26 | — |
GAAP → non-GAAP reconciliationGAAP Noninterest expense 2.05B
-215M Merger-related charges
-19M Technology-related asset impairments
-5M Interchange litigation matters
+0M Severance expense
+0M FDIC special assessment
= Noninterest expense excluding certain item(s) 1.81B
|
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| Noninterest income as a percent of total revenue(a) non-GAAP | 31% | Three months ended September 2026 | — |
| Noninterest income excluding certain item(s) non-GAAP | $1.05B | 3Q26 | — |
GAAP → non-GAAP reconciliationGAAP Noninterest income (U.S. GAAP) (e) 1.01B
+29M Interchange litigation matters
+10M Merger-related charges
+0M Securities repositioning losses
+0M Litigation settlements
= Noninterest income excluding certain item(s) 1.05B
|
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| Nonperforming loans (NPLs) | $1.07B | 3Q26 | — |
| Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO | 0.64% | As of September 30, 2026 | — |
| Nonperforming portfolio loans and leases as a percent of portfolio loans and leases(a) | 0.59% | As of September 2026 | — |
| NPA ratio non-GAAP | 0.64% | 3Q26 | — |
| NPL ratio | 0.59% | 3Q26 | — |
| operating leverage non-GAAP | 450 | 3Q26 | — |
| OREO | 81M | As of September 30, 2026 | — |
| Period-end total deposits | 239B | Q3 2026 | — |
| Portfolio loans and leases 90 days past due (accrual) | 42M | As of and For the Three Months Ended September 30, 2026 | — |
| Pre-provision net revenue (PPNR) (a) + (u) - (w) non-GAAP | $1.24B | Three months ended September 2026 | — |
| Rate lock margin | 1.28% | 3Q26 | — |
| Reported CET1 Ratio | 10% | 3Q26 | — |
| Return on average tangible common equity excluding AOCI (i) / (k) non-GAAP | 14% | Three months ended September 2026 | — |
| Return on average tangible common equity(a) non-GAAP | 16.6% | Three months ended September 2026 | — |
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|
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| Risk-weighted assets | $249.51B | As of September 2026 | — |
| Securities and other short-term investments | $90.01B | Three months ended September 2026 | — |
| SNC balances at or near investment grade equivalent borrowers | 60% | 3Q26 | — |
| Tangible assets, excluding AOCI (p) non-GAAP | $296.52B | September 2026 | — |
| Tangible book value per share (excluding AOCI) (m) / (q) non-GAAP | $27.43 | September 2026 | — |
| Tangible book value per share (including AOCI) (l) / (q) non-GAAP | $22.01 | September 2026 | — |
| Tangible common equity (including AOCI) (l) / (o) non-GAAP | 6.88% | September 2026 | — |
| Tangible common equity(a) non-GAAP | 8.39% | As of September 30, 2026 | — |
| Tangible common equity, excluding AOCI (m) non-GAAP | $24.88B | September 2026 | — |
| Tangible common equity, including AOCI (l) non-GAAP | $19.96B | September 2026 | — |
| Tangible equity (n) non-GAAP | $27.06B | September 2026 | — |
| Tangible equity (n) / (p) non-GAAP | 9.13% | September 2026 | — |
| Tangible net income available to common shareholders (annualized) (i) non-GAAP | $3.48B | Three months ended September 2026 | — |
| Tangible net income available to common shareholders (h) non-GAAP | $876M | Three months ended September 2026 | — |
| Technology-related asset impairments | $19M | 3Q26 | — |
| Tier 1 risk-based capital | 10.9% | As of September 30, 2026 | — |
| Total allowance for credit losses (ACL) | 3.13B | As of and For the Three Months Ended September 30, 2026 | — |
| Total average deposits | 238.34B | For the Three Months Ended September 30, 2026 | — |
| Total average loans and leases | 180.01B | For the Three Months Ended September 30, 2026 | — |
| Total average portfolio loans and leases | 179.24B | For the Three Months Ended September 30, 2026 | — |
| Total average wholesale funding | 23.25B | For the Three Months Ended September 30, 2026 | — |
| Total commercial loans and leases | $125.56B | Three Months Ended September 2026 | — |
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| Total consumer loans | $53.68B | Three Months Ended September 2026 | — |
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| Total consumer variable rate net of existing hedges | 17% | September 30, 2026 | — |
| Total loans and leases | 181B | As of September 30, 2026 | — |
| Total loans and leases owned or serviced | $273.65B | As of September 2026 | — |
| Total loans and leases serviced for others | $92.2B | As of September 2026 | — |
| Total losses charged-off | -$192M | Three Months Ended September 2026 | — |
| Total net losses charged-off | -139M | For the Three Months Ended September 30, 2026 | — |
| Total net losses charged-off as a percent of average portfolio loans and leases (annualized) | 0.31% | Three Months Ended September 2026 | — |
| Total net losses charged-off(a) | -$139M | Three Months Ended September 2026 | — |
| Total new nonaccrual loans - HFI | 319M | 3Q26 | — |
| Total nonperforming assets | $1.32B | As of September 2026 | — |
| Total nonperforming portfolio loans and leases and OREO (NPAs) | 1.16B | As of and For the Three Months Ended September 30, 2026 | — |
| Total portfolio loans and leases | 180.27B | As of September 30, 2026 | — |
| Total recoveries of losses previously charged-off | $53M | Three Months Ended September 2026 | — |
| Total risk-based capital | 12.54% | As of September 30, 2026 | — |
| Transaction deposits(b) | $223.54B | Three months ended September 2026 | — |
| WA credit enhancement | 33% | As of September 30, 2026 | — |
| WA LTV | 59% | As of September 30, 2026 | — |
| Wholesale funding(d) | $23.25B | Three months ended September 2026 | — |
| Amortization and accretion of purchase accounting premiums and discounts related to the Comerica | $64M | the three months ended June 30, 2026 filing | — |
| Average assets | $297.95B | the three months ended June 30, 2026 filing | — |
| Average core deposits and average shareholders’ equity funded | 88% | the three months ended June 30, 2026 filing | — |
| Average core deposits as a percentage of average total assets | 77% | the three months ended June 30, 2026 filing | — |
| Average Price Paid per Share | $49.54 | the three months ended June 30, 2026 filing | — |
| Average wholesale funding as a percentage of average interest-bearing liabilities | 14% | the three months ended June 30, 2026 filing | — |
| Capital contributions to private equity investments | $20M | the three months ended June 30, 2026 filing | — |
| Cost of average interest-bearing core deposits | 211 | the three months ended June 30, 2026 filing | — |
| Dividends declared per common share | $0.4 | the three months ended June 30, 2026 filing | — |
| Efficiency ratio on an FTE basis non-GAAP | 64.3% | the three months ended June 30, 2026 filing | — |
| Loans and leases sold | 2B | the three months ended June 30, 2026 filing | — |
| Maximum Number of Shares that May Yet Be Purchased under the Plans or Programs | 93,070,648 | the three months ended June 30, 2026 filing | — |
| Residential mortgage loan originations | 2.5B | the three months ended June 30, 2026 filing | — |
| Residential mortgage loan sales | $1.63B | the three months ended June 30, 2026 filing | — |
| Total net losses charged-off as a percent of average portfolio loans and leases | 0.3% | the three months ended June 30, 2026 filing | — |
| Total Number of Shares Purchased | 287,583 | the three months ended June 30, 2026 filing | — |
| Total repurchase demand requests | 9M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FITB
this stock
Fifth Third Bancorp
|
$49.25B | +16.4% | -2.0% | 18.7 | 4.3% |
|
HDB
Hdfc Bank Ltd
|
$132.87B | -29.3% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +41.3% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$123.94B | +15.8% | — | — | 0.5% |
|
USB
US Bancorp \De\
|
$95.04B | +14.3% | +4.4% | 11.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Fifth Third said it completed the major integration of Comerica, creating a faster middle-market growth path supported by a 53% efficiency ratio and 19 plus percent ROTCE.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FITB | +2.8% | +8.2% | +9.4% | +1.2% | +16.4% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | +0.2% | +9.4% | +8.9% | +1.4% | +5.8% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
