NASDAQ$FITB

Fifth Third Bancorp · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Reported strong first quarter results driven by record commercial banking revenue and improved credit results.

Fifth Third Bancorp reported a strong first quarter with net income available to common shareholders of $674 million, or $0.93 per diluted share, compared to $29 million, or $0.04 per diluted share, in the year-ago quarter. The results reflect record commercial banking revenue, continued momentum in household growth, a strong underlying net interest margin, and historically low net charge-offs.

  • Returned $180 million to shareholders through repurchases; capacity to repurchase up to $347 million in 2Q21
  • ROTCE of 16.8%; adjusted ROTCE of 19.8% excl. AOCI improved 150 bps sequentially
  • Produced record commercial banking revenue
  • Generated consumer household growth of 3% compared to 1Q20

Headline financials

Total Revenue

$1.93B

Previous: $1.9B+1.3%
EPS (adj)

$0.93

Previous: $0.13+615.4%
Net Interest Margin

2.6%

Previous: 3.3%-20.1%
Efficiency Ratio

63.0%

No prior period
CET1 Capital Ratio

10.5%

Previous: 9.4%+11.8%
Net Charge-Off Ratio

0.3%

Previous: 0.4%-38.6%
Nonperforming Asset Ratio

0.7%

No prior period
Return on Avg Assets

1.4%

No prior period
Return on Avg Common Equity

13.1%

No prior period
Capital Expenditures

-$60M

Previous: -$74M+18.9%
Free Cash Flow

$634M

Previous: -$28M+2364.3%
Net Income

$694M

Previous: $46M+1408.7%
Operating Income

$1.4B

Previous: $670M+108.5%
Gross Profit

$1.75B

Previous: $1.26B+39.0%
Cash & Equivalents

$3.12B

Previous: $3.28B-4.9%
Total Assets

$207B

Previous: $185B+11.6%
Stock-Based Comp

$55M

Previous: $53M+3.8%

Revenue & EPS history

Fifth Third · Revenue · Quarterly

$1.93B

Q1 2021+1.3%vs Q1 2020
Beat estimate in 14 of 16 quarters(88%)
ActualEstimate

Revenue by segment

Fifth Third · $382M total across 2 segments · Q1 2021

  • Commercial Banking
    $361M+25.8%
  • Wealth & Asset Mgmt
    $21M-84.4%

Forward guidance

Fifth Third anticipates benefiting from an improving economic environment, including higher interest rates and a more vibrant economy.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+0.3%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+3.0%

Avg return

30 days after

58%

42 / 73 earnings

Positive

+6.8%

Q1 2024

Best reaction

-12.1%

Q2 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025+0.9%+2.1%-4.4%
Q1 2026-0.5%+2.1%-4.4%
Q3 2025+1.2%+3.3%+5.5%
Q2 2025+0.5%-0.4%+6.0%
Q1 2025-0.7%+0.7%+15.2%
Q4 2024-0.9%-0.4%-1.6%
Q3 2024-4.4%-3.3%+3.6%
Q2 2024+1.6%+1.9%+1.1%
Q1 2024+6.8%+8.8%+12.7%
Q4 2023+4.0%+4.4%+2.1%
Q3 2023-5.5%-6.7%+11.9%
Q2 2023-0.9%-1.6%-10.2%
Q1 2023-1.9%-8.4%-10.4%
Q4 2022+5.8%+7.4%+12.9%
Q3 2022-0.7%+6.3%+7.1%
Q2 2022-3.1%-4.4%+5.3%
Q1 2022+4.1%-1.6%-8.8%
Q4 2021-6.1%-6.4%+0.5%
Q3 2021+3.5%+3.3%+0.2%
Q2 2021-3.0%-1.4%+2.0%
Q1 2021-1.3%+1.2%+9.7%
Q4 2020-1.4%-5.0%+10.2%
Q3 2020+3.9%-2.5%+7.6%
Q2 2020+0.6%-0.8%+0.7%
Q1 2020-1.1%+2.6%+4.6%
Q4 2019+1.2%-1.8%+1.3%
Q3 2019+0.9%+3.7%+6.3%
Q2 2019+6.6%+8.0%-7.3%
Q1 2019+2.6%+3.0%-2.0%
Q4 2018+2.1%+2.9%+2.7%
Q3 2018-1.6%+1.9%+5.6%
Q2 2018-5.8%-3.0%-1.8%
Q1 2018+5.0%+6.0%-0.5%
Q4 2017+1.7%+1.8%+0.3%
Q3 2017+0.5%+2.3%-0.0%
Q2 2017+3.7%+2.7%+3.3%
Q1 2017-1.4%-3.6%-3.4%
Q4 2016+1.5%+1.0%+3.7%
Q3 2016+3.4%+3.7%+25.1%
Q2 2016+1.8%-0.4%+5.6%
Q1 2016+1.3%
Q4 2015-3.6%
Q3 2015-3.9%
Q2 2015+1.5%
Q1 2015+4.0%
Q4 2014-0.9%
Q3 2014-2.4%
Q2 2014-5.1%
Q1 2014-5.2%
Q4 2013-2.7%
Q3 2013+4.8%
Q2 2013+0.2%
Q1 2013+3.8%
Q4 2012+5.3%
Q3 2012-0.7%
Q2 2012-0.9%
Q1 2012+0.6%
Q4 2011+0.7%
Q3 2011-3.8%
Q2 2011-12.1%
Q1 2011+1.3%
Q4 2007-4.5%
Q4 2010-4.5%
Q3 2010-1.2%
Q2 2010+2.4%
Q1 2009+5.7%
Q1 2010+2.4%
Q4 2009+0.3%
Q3 2008+5.5%
Q3 2009+5.5%
Q2 2008+0.8%
Q2 2009+0.8%
Q4 2008+0.8%

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