NASDAQ$FITB

Fifth Third Bancorp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Diluted earnings per share of $0.70 reported.

Fifth Third Bancorp reported a net income of $520 million for Q1 2024, compared to $530 million in the previous quarter and $558 million in the year-ago quarter. Net income available to common shareholders was $480 million, or $0.70 per diluted share.

  • Average deposits increased 5% compared to 1Q23.
  • Net charge-offs, NPAs, and delinquencies remain below historical levels; zero CRE net charge-offs during the quarter.
  • Strong fee performance driven by 10% growth in wealth and asset management revenue and 11% in treasury management fees compared to 1Q23.
  • Disciplined expense management; expenses increased 1%; adjusted expenses decreased 1% compared to 1Q23.

Headline financials

Total Revenue

$2.09B

Previous: $2.21B-5.4%
EPS

$0.70

Previous: $0.83-15.7%
Net Interest Margin

2.9%

No prior period
Efficiency Ratio

63.9%

Previous: 60.0%+6.5%
CET1 Capital Ratio

10.5%

Previous: 9.3%+13.2%
Net Charge-Off Ratio

0.4%

Previous: 0.3%+46.2%
Nonperforming Asset Ratio

0.6%

No prior period
Return on Avg Assets

1.0%

No prior period
Return on Avg Common Equity

11.6%

No prior period
Return on Avg Tangible Common Equity

17.0%

No prior period
Capital Expenditures

-$65M

Previous: -$113M+42.5%
Free Cash Flow

$455M

Previous: $445M+2.2%
Net Income

$520M

Previous: $558M-6.8%
Operating Income

$550M

Previous: $1.1B-49.8%
Gross Profit

$2B

Previous: $2.05B-2.4%
Total Assets

$215B

Previous: $209B+2.8%
Stock-Based Comp

$64M

Previous: $76M-15.8%

Revenue & EPS history

Fifth Third · Revenue · Quarterly

$2.09B

Q1 2024-5.4%vs Q1 2023
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

Fifth Third · $474M total across 2 segments · Q1 2023

  • Commercial Banking
    $336M+2.8%
  • Wealth & Asset Mgmt
    $138M-4.2%

Forward guidance

Fifth Third remains well positioned to respond to a range of potential outcomes. The company will continue to follow its guiding principles of stability, profitability, and growth.

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 2024

Historical avgQ1 2024

+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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