NASDAQ$FITB

Fifth Third Bancorp · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Fifth Third's Q4 2019 results were announced, featuring strong diversified revenue streams and expense management, enhanced by targeted MB Financial acquisition outcomes.

Fifth Third Bancorp reported a strong fourth quarter with net income of $734 million, or $0.96 per diluted share. The results reflect the strength of diversified revenue streams, expense discipline, and the achievement of targeted financial outcomes from the MB Financial acquisition. A pre-tax gain of $345 million was generated from the Worldpay tax receivable agreement (TRA) transaction.

  • Net income available to common shareholders was $701 million, or $0.96 per diluted share.
  • Generated $345 million pre-tax gain from Worldpay tax receivable agreement (TRA) transaction with FIS.
  • Net interest income, NIM, noninterest income, and expense performance were in-line with or better than prior guidance.
  • Generated record capital markets revenue in 4Q19; full year revenue up 12%.

Headline financials

Total Revenue

$2.27B

Previous: $1.66B+36.6%
EPS (adj)

$0.68

Previous: $0.69-1.4%
Net Interest Margin

3.3%

No prior period
Efficiency Ratio

51.2%

No prior period
CET1 Capital Ratio

9.8%

No prior period
Net Charge-Off Ratio

0.4%

No prior period
Nonperforming Asset Ratio

0.6%

No prior period
Return on Avg Assets

1.7%

No prior period
Return on Avg Common Equity

14.2%

No prior period
Return on Avg Tangible Common Equity

18.7%

No prior period
Capital Expenditures

$63M

Previous: $47M+34.0%
Free Cash Flow

$1.32B

Previous: $882M+49.2%
Net Income

$734M

Previous: $455M+61.3%
Operating Income

$941M

No prior period
Gross Profit

$2.23B

Previous: $1.62B+37.4%
Cash & Equivalents

$3.28B

Previous: $2.68B+22.3%
Total Assets

$169B

Previous: $146B+16.0%
Stock-Based Comp

$23M

Previous: $21M+9.5%

Revenue & EPS history

Fifth Third · Revenue · Quarterly

$2.27B

Q4 2019+36.6%vs Q4 2018
Beat estimate in 15 of 16 quarters(94%)
ActualEstimate

Revenue by segment

Fifth Third · $453M total across 2 segments · Q4 2019

  • Commercial Banking
    $324M
  • Wealth & Asset Mgmt
    $129M

Forward guidance

Fifth Third expects to build on its strong fourth quarter NIM performance and maintain expense discipline in order to generate positive operating leverage this year while continuing to invest for long-term outperformance.

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 Q4 2019

Historical avgQ4 2019

+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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