Skip to content
AnalystLens

FIFTH THIRD BANCORP 8-K Report, Regulation FD Disclosure (Mar 11, 2026)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed March 11, 2026
Period End
March 11, 2026
In the 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. Leadership change8-K · Jun ’17Jun ’17
  2. Leadership change8-K · Nov ’20Nov ’20
  3. Material agreement8-K · Dec ’22Dec ’22
  4. Material agreement8-K · Jan ’25Jan ’25

01—Abstract

Summary

Summary of the 8-K filed March 11, 2026. Cited figures are marked; the original filing is the authoritative source.

Fifth Third Bancorp's 8-K furnishes the slide deck for its March 11, 2026 presentation at the RBC Capital Markets Financial Institutions Conference under Item 7.01 (Regulation FD).

The filing reports no new quarterly or annual financial results. Its substance is an updated view of the combined company after the Comerica acquisition, which legally closed February 1, 2026, with pro forma assets of $294 billiona, deposits of $237 billion, loans of $173 billion, and 1,482 U.S. branches. The deck positions Fifth Third around stability, profitability, and growth, and emphasizes a diversified revenue mix, a branch-driven deposit franchise, and a multi-year de novo expansion program in the Southeast and Texas.

The most useful investor information is the refreshed 2026 and 1Q26 guidance. Full-year net interest income of $8.6 to $8.8 billionb, average loans in the mid-$170 billion range, net charge-offs of 30 to 40 basis points, and a 23% tax rate were all unchanged from January. Full-year noninterest income guidance was narrowed to $4.0 to $4.2 billion from $4.0 to $4.4 billion, and noninterest expense was narrowed to $7.2 to $7.3 billion from $7.2 to $7.5 billion, which suggests modestly tighter fee and cost expectations.

For 1Q26, management guided to net interest income of about $1.93 billionc, noninterest income of $0.90 to $0.93 billion, noninterest expense of $1.76 to $1.78 billion, net charge-offs of 35 to 40 basis points, and 830 to 835 million average diluted shares. The deck also highlights integration milestones: three conversion mock tests in 2Q26 and 3Q26 and a planned systems and branch conversion on September 8, 2026. Management argues that Fifth Third's de novo branches generate about $50 million of deposits per branch versus a $35 million peer average, and that its low share of relationship-light consumer deposits supports funding quality.

These are management claims, not audited results, and the deck repeats extensive forward-looking and non-GAAP cautionary language. Investors should weigh the integration execution risk and the sensitivity of net interest income to the rate path, which the guidance assumes ends 2026 with a 3.25%d Fed funds rate.

02—Key points

Key Highlights

  1. No new financial results were reported; the filing furnishes a conference presentation (Exhibit 99.1) under Regulation FD and is not deemed filed under Section 18 of the Exchange Act.
  2. Pro forma scale after the Comerica acquisition (legal close February 1, 2026): $294B in assets, $237B in deposits, $173B in loans, and 1,482 U.S. branches, each ranked roughly 7th to 9th among U.S. commercial banks.
  3. FY2026 guidance largely unchanged: net interest income $8.6-$8.8B, average loans in the mid-$170B range, net charge-offs 30-40 bps, and a 23% effective tax rate.
  4. Noninterest income guidance narrowed to $4.0-$4.2B (from $4.0-$4.4B) and noninterest expense narrowed to $7.2-$7.3B (from $7.2-$7.5B), including about $220MM of CDI amortization.
  5. 1Q26 guidance: net interest income about $1.93B, noninterest income $0.90-$0.93B, noninterest expense $1.76-$1.78B, net charge-offs 35-40 bps, and 830-835 million average diluted shares.
  6. Growth strategy centers on de novo branches in the Southeast and Texas, with management citing $50MM of deposits per de novo branch versus a $35MM peer average and about 350 branches under five years old.
  7. Comerica integration is on schedule per management, with three conversion mock tests planned in 2Q26-3Q26 and the branch and systems conversion targeted for September 8, 2026.

03—Questions

Frequently Asked Questions

  1. Did Fifth Third report new earnings or financial results in this 8-K?

    No. The 8-K is a Regulation FD disclosure furnishing the slide deck for the RBC Capital Markets Financial Institutions Conference on March 11, 2026. It contains no new quarterly or annual financial statements, though it does restate and update forward-looking guidance.

  2. How did 2026 guidance change compared with January?

    Most metrics were unchanged, including net interest income ($8.6-$8.8B), average loans (mid-$170B), net charge-offs (30-40 bps), and the 23% tax rate. Noninterest income guidance was narrowed to $4.0-$4.2B from $4.0-$4.4B, and noninterest expense was narrowed to $7.2-$7.3B from $7.2-$7.5B.

  3. What is the status of the Comerica integration?

    The acquisition legally closed February 1, 2026, and organizational design was finalized in 4Q25. Management plans three conversion mock tests in 2Q26 and 3Q26, with the conversion of branches and systems expected on September 8, 2026, and complex payments customers converting in the interim.

  4. What drives the deposit growth thesis?

    Management attributes growth to its de novo branch network, which it says generates about $50MM of deposits per branch versus a $35MM peer average, and to a lower share of low-relationship-value consumer deposits than most peers. These are company-reported figures and have not been independently verified.

  5. What are the key risks investors should monitor from this presentation?

    Key risks include the execution of the Comerica conversion, sensitivity of net interest income to the Fed funds path (guidance assumes 3.25% at year-end 2026), credit quality given the 30-40 bp charge-off guidance, and the expense and fee targets. The deck's forward-looking statements caution that results may differ materially from these expectations.

04—Continue

← View all 8-K filings