NASDAQ$FITB

Fifth Third Bancorp · Q2 2026 earnings

Q2 2026 earnings · · Before market open · Investor relations

Briefing

Fifth Third Bancorp reported second quarter 2026 net income available to common shareholders of $763 million or $0.83 diluted EPS.

Fifth Third Bancorp reported second quarter 2026 results reflecting the full-quarter contribution from the Comerica acquisition, with total revenue (FTE) of $3.279 billion, up 46% year-over-year. Net interest margin expanded 6 bps sequentially to 3.36% while net charge-offs improved to 0.30%, the lowest level since 2Q23. The company surpassed $300 billion in total assets and became a Category III institution.

  • Reported diluted EPS of $0.83 and adjusted EPS of $1.02, excluding $0.19 of certain items primarily merger-related charges.
  • Net interest income (FTE) rose 14% sequentially to $2.220 billion and noninterest income rose 18% to $1.059 billion.
  • Net charge-off ratio improved to 0.30% and CET1 capital ratio increased 4 bps sequentially to 9.93%.
  • Consumer deposits grew $4.6 billion sequentially supported by the Comerica Southwest marketing campaign.

Headline financials

Total Revenue

$3.28B

Previous: $2.25B+46.1%
EPS (adj)

$1.02

Previous: $0.88+15.9%
Net interest margin (FTE)

3.4%

No prior period
Efficiency ratio (FTE)

64.3%

No prior period
CET1 capital ratio

9.9%

No prior period
Net charge-off ratio

0.3%

No prior period
Nonperforming asset ratio

0.6%

No prior period
Return on average assets

1.1%

No prior period
Return on average common equity

9.5%

No prior period
Return on average tangible common equity

15.6%

No prior period
Net Income

$801M

Previous: $628M+27.5%
Operating Income

$1.04B

Previous: $839M+24.1%

Revenue & EPS history

Fifth Third · Revenue · Quarterly

$3.28B

Q2 2026+46.1%vs Q2 2025
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

Fifth Third · $535M total across 3 segments · Q2 2026

  • Wealth and asset management
    $256M
  • Capital markets fees
    $154M
  • Commercial banking revenue
    $125M

Forward guidance

Integration of Comerica remains on track with systems conversion scheduled for Labor Day weekend to unlock cost synergies; revenue synergies emerging across expanded footprint.

Tailwinds

  • Core business momentum across fee businesses led by wealth and asset management, commercial payments, and capital markets.
  • Balance sheet positioned to support continued NIM expansion and improved credit performance.
  • Capital generation supports reinvestment and consistent shareholder returns.

Historical earnings impact

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

Avg. return before/after earnings

Based on 19 quarterly earnings reports

Historical avg

+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
Q2 2026
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 2009+5.5%
Q3 2008+5.5%
Q2 2008+0.8%
Q2 2009+0.8%
Q4 2008+0.8%

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