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FIFTH THIRD BANCORPFITB

Sector
Financial Services
Industry
State Commercial Banks
Exchange
Nasdaq

Stock Price $FITB

Latest filings

You are here#38 of 58 in Financials by market cap

Filing record · 2016–202610-K1210-Q348-K328

FITB filed 12 annual reports (10-K), 34 quarterly reports (10-Q) and 328 current reports (8-K) between 2016 and 2026.

  1. Material agreement8-K · Aug ’17Aug ’17
  2. Leadership change8-K · Sep ’19Sep ’19
  3. Material agreement8-K · Oct ’21Oct ’21
  4. Leadership change8-K · Dec ’25Dec ’25

01—Key figures

Share Class
Source: 10-KFY2023
Source: 10-KFY2025
Source: 10-KFY2025
Source: 10-KFY2025

Revenue Trend

Year-over-year comparison from 10-K annual reports

  8. $577.0M
YoY changeLargest recent move+7.3%in FY21Latest −2.0%

Latest bar from 10-KFY2023Click a bar to open its SEC filing

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All FITB Financial Metrics46 metrics

Income Statement9

Balance Sheet17

Cash Flow15

Per Share5

02—Overview

FIFTH THIRD BANCORP Financial Overview 2021–2025

Updated Aug 15, 2026

Fifth Third Bancorp executed a $12.7 billiona acquisition of Comerica in early 2026, catapulting its total assets to $297 billion by Q1 2026. This rapid consolidation defines the bank's central investment thesis: management is aggressively buying scale to expand its interest-earning footprint, deliberately absorbing short-term integration costs to secure a permanently larger deposit and loan base.

The company's pre-merger trajectory provided the capital foundation for this expansion. Total revenue grew from $7.9 billion in FY2021 to $9.0 billionb in FY2025. Favorable loan volumes and yields pushed the net interest margin to 3.11% by the end of FY2025, an improvement from 2.90% in the prior year. The market recognized this underlying momentum, with shares trading at $46.81 at the close of FY2025. However, the immediate cost of scaling is steep. The Comerica integration triggered $635 million in direct expenses during Q1 2026, temporarily compressing net income by 73% year-over-year to just $128 million. Even with this earnings hit and a 30% spike in credit loss provisions to $227 million in that same quarter, the combined entity maintained a stable Common Equity Tier 1 capital ratio of 9.89%.

Recent Developments (Q1 and Q2 2026)

Following the merger, Fifth Third Bancorp rapidly accelerated its top line, with net interest income climbing 48% and total FTE revenue surging 46% year-over-year during Q2 2026. Management successfully restructured the acquired Comerica debt in June 2026, issuing $1.27 billionc in new notes to strip out restrictive covenants, and voluntarily transferred the company's stock listing to the NYSE.

The bull case centers on robust fee income growth, highlighted by early 2026 surges of 42% in commercial payments and 35% in wealth management. The bear case focuses on persistent integration drag, as noninterest expenses jumped 67% in Q2 2026. At 18.3x earnings as of August 4, 2026, the stock's $57.40d valuation appears richly priced against a 17% contraction in six-month net income.

What to watch: the operational impact of transitioning to Category III compliance standards in Q3 2026; management's ability to curb ongoing merger-related expenses.

03—Filings

Recent SEC Filings

  1. 8-KFIFTH THIRD BANCORP 8-K Report, Financial Results (Oct 19, 2026)Fifth Third Bancorp reported its third quarter 2026 financial results, showcasing resilience and strategic progress. The company achieved diluted earnings per share of $0.90, with an adjusted figure of $1.13, excluding certain items. Net interest income saw a significant year-over-year increase of 49% to $2.28 billion, driven by higher market rates and the integration of Comerica. While noninterest income experienced a sequential decrease, it grew 29% year-over-year, supported by wealth management and commercial banking revenues. Credit quality remained stable, with a net charge-off ratio of 31 basis points and a healthy loan-to-core deposit ratio of 76%. The company successfully completed its systems conversion with Comerica, maintaining strong client and banker retention. Fifth Third Bancorp also highlighted its robust deposit growth, up 3% sequentially, and a strengthening capital position, with a CET1 capital ratio of 10.02%.
  2. 8-KFIFTH THIRD BANCORP 8-K Report, Corporate Update (Sep 24, 2026)Fifth Third Bancorp (FITB) disclosed on September 24, 2026 that it delivered a redemption notice to Wilmington Trust Company, as trustee, for all $500 million of its outstanding 1.707% Fixed Rate/Floating Rate Senior Notes due 2027 (CUSIP 316773 DD9, the "2021 Notes"). The notes will be redeemed on November 1, 2026, one year before their scheduled November 1, 2027 maturity, at 100% of principal plus accrued and unpaid interest to, but excluding, the redemption date. Interest stops accruing on the redemption date, and payment requires holders to surrender the notes to the trustee. Once completed, no 2021 Notes will remain outstanding. For investors, this is a routine capital-structure event rather than a change in the bank's strategy or earnings outlook. The filing does not state the funding source. Because the redemption is at par, there is no call premium or gain or loss on extinguishment to report. The principal is modest relative to a large regional bank's balance sheet, so the effect on capital, liquidity, and net interest margin should be limited. Any change in funding costs would depend on how the $500 million is replaced, which the filing does not address. The redemption also lowers the company's outstanding senior debt by $500 million and removes a note that carried a fixed coupon of 1.707% through its first reset period. Investors who track FITB's debt maturity ladder or funding mix should update their models accordingly. The filing itself is brief and provides no financial metrics beyond the notes' terms.
  3. 8-KFIFTH THIRD BANCORP 8-K Report, Corporate Update (Sep 23, 2026)Fifth Third Bancorp (FITB) filed an 8-K to report the September 22, 2026 expiration and results of its registered exchange offer. The offer allowed holders of previously issued unregistered (restricted) senior notes to swap them for substantially identical notes registered under the Securities Act of 1933. This is a housekeeping transaction under the bank's existing debt documentation, not a new financing. The company is not raising capital, and the filing contains no earnings, balance sheet, or guidance information. According to the press release (Exhibit 99.1), holders tendered nearly all of the outstanding restricted notes. Of the two series, the 4.000% Senior Notes due 2029 had $334.65 million outstanding and $334.45 million tendered (99.94%). The 5.982% Fixed-to-Floating Rate Senior Notes due 2030 had $938.14 million outstanding and $938.12 million tendered (99.997%). In total, about $1.273 billion of restricted notes were tendered, roughly 99.98% of the amount outstanding, leaving about $226,000 untendered. The company accepted all validly tendered notes. Settlement, in which holders receive registered notes, is expected on or about September 24, 2026. For investors, the practical effect is limited. The registered notes represent the same debt, issued under the same indenture, with the same economic terms. The main change is that transfer restrictions, registration rights, and additional interest provisions no longer apply, which improves liquidity and tradability. The high participation rate suggests a broad holder base and little friction in the exchange. The filing does not change the bank's leverage, liquidity, capital position, or credit profile.
  4. 8-KFIFTH THIRD BANCORP 8-K Report, Regulation FD Disclosure (Sep 14, 2026)Fifth Third Bancorp (FITB) filed a routine 8-K under Regulation FD to furnish a presentation it will deliver at the 2026 Barclays Global Financial Services Conference on September 15, 2026. The filing contains no new financial results, guidance changes, or material events; the company states that its 3Q26 outlook is unchanged from its July 17, 2026 earnings call. The information is furnished rather than filed, so it does not carry Section 18 liability unless specifically incorporated by reference. The presentation's substance centers on the Comerica acquisition (closed February 2026), which has taken Fifth Third to roughly $300 billion in assets and $234 billion in deposits, ranking it 9th among U.S. commercial banks. Management reports that the Comerica conversion is complete, with about 600K customer accounts added and on-track achievement of $850 million in pre-tax run-rate expense synergies by 4Q26. Management targets a 19%+ ROTCE and a 53% efficiency ratio in 2027, compared with an adjusted ROTCE of 17.8% and efficiency ratio of 55.9% in 2025 as cited in the deck. For investors, the deck highlights growth levers rather than new numbers: a planned 150+ Texas and Southeast de novo branch build-out, a ~$10 billion-per-opportunity deposit thesis, a higher core consumer deposit mix, and a lower NDFI lending concentration than most peers. The 3Q26 guidance (NII up 2–2.5%, noninterest income up 1–3%, noninterest expense down 1–2%, NCO ratio of 30–35 bps) was reiterated and should be read against the forward-looking-statement caveats included in the deck.
  5. 8-KFIFTH THIRD BANCORP 8-K Report, Corporate Update (Aug 21, 2026)Fifth Third Bancorp (NYSE: FITB) filed an 8-K on August 21, 2026 under Item 8.01 (Other Events) to announce the commencement of a registered exchange offer. The offer lets holders swap any and all of the company's outstanding unregistered ("Restricted") senior notes for substantially identical notes registered under the Securities Act of 1933. The filing is administrative in nature: the Registered Notes represent the same debt, are issued under the same indenture, and carry the same economic terms. The only practical differences are that the transfer restrictions, registration rights, and additional interest provisions no longer apply to the registered notes. The exchange offer is a follow-on to the June 10, 2026 exchange in which Fifth Third Bancorp swapped notes issued by its subsidiary, Fifth Third Financial Corporation, for the Restricted Notes, and it fulfills a registration rights agreement the company entered into when issuing those notes. The two series covered are $334,650,000 of 4.000% Senior Notes due 2029 and $938,141,000 of 5.982% Fixed-to-Floating Rate Senior Notes due 2030, for a combined $1.27 billion in principal. The offer expires at 5:00 p.m. New York City time on September 22, 2026, unless extended, and settlement follows promptly after expiration. The release does not disclose any change in the bank's capital position, earnings, liquidity, or credit profile, and it contains no new financial results. For investors, the filing confirms a routine regulatory housekeeping step that should not affect the value or credit quality of the existing debt. Its main relevance is for holders of the Restricted Notes, who must tender by the deadline if they want freely tradable registered securities.
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04—See also

Related Companies

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