NASDAQ$FITB

Fifth Third Bancorp · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported diluted earnings per share of $0.81, demonstrating a resilient balance sheet and disciplined expense management.

Fifth Third Bancorp reported a net income of $601 million for Q2 2024, with diluted earnings per share at $0.81. The results reflect strong profitability, driven by increased net interest income and disciplined expense management, alongside growth in consumer households and wealth and asset management.

  • Net interest income and net interest margin increased compared to the prior quarter, driven by continued repricing benefit on fixed rate loan portfolio and moderating deposit costs.
  • CET1 increased to 10.60% due to strong profitability, with $125 million share repurchase executed.
  • Wealth and asset management revenue increased by 11% and commercial payments revenue increased by 12% compared to Q2 2023.
  • Consumer household growth of 3% compared to Q2 2023, with 6% growth in the Southeast.

Headline financials

Total Revenue

$2.08B

Previous: $2.18B-4.6%
EPS

$0.81

Previous: $0.87-6.9%
Net Interest Margin

2.9%

No prior period
Efficiency Ratio

58.5%

Previous: 56.2%+4.1%
CET1 Capital Ratio

10.6%

Previous: 9.5%+11.4%
Net Charge-Off Ratio

0.5%

Previous: 0.3%+69.0%
Nonperforming Asset Ratio

0.6%

No prior period
Return on Avg Assets

1.1%

No prior period
Return on Avg Common Equity

13.6%

No prior period
Return on Avg Tangible Common Equity

19.8%

No prior period
Capital Expenditures

-$156M

Previous: -$248M+37.1%
Free Cash Flow

$445M

Previous: $353M+26.1%
Net Income

$601M

Previous: $601M+0.0%
Operating Income

$523M

Previous: $894M-41.5%
Gross Profit

$1.99B

Previous: $2.01B-1.0%
Total Assets

$213B

Previous: $207B+2.9%
Stock-Based Comp

$36M

Previous: $35M+2.9%

Revenue & EPS history

Fifth Third · Revenue · Quarterly

$2.08B

Q2 2024-4.6%vs Q2 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 economic outcomes and will continue to adhere to 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 Q2 2024

Historical avgQ2 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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