Q4 2025 Fifth Third Bancorp Earnings Call Transcript

Jan 20, 2026 / 03:00 PM GMT

Release Date Price: €42.82 (+2.04%)

Transcript 8-K

Key Points

Positve

Fifth Third Bancorp (FITB) reported strong earnings per share of $1.04, or $1.08 excluding certain items.
The company achieved an adjusted return on equity of 14.5% and an adjusted return on assets of 1.41%, among the best in the banking sector.
Fourth quarter revenues rose 5% year over year, driven by growth in net interest income, commercial payments fees, and wealth and asset management fees.
Fifth Third Bancorp (FITB) opened 50 new branches in the Southeast, contributing to significant deposit growth.
The company's consumer mobile app was recognized by JD Power as the top mobile banking app for user satisfaction among regional banks.

Negative

The company faces challenges with commercial loan utilization, which was flat due to decreased utilization.
There is a risk of 'chronic postponement syndrome' affecting C&I loan growth due to client hesitancy in making large capital investments.
The integration of Comerica presents execution risks, although the company is ahead of schedule.
Fifth Third Bancorp (FITB) has a lower exposure to non-depository financial institutions, which could limit growth in certain loan categories.
The company anticipates a seasonally low first quarter in terms of profitability, which could impact short-term financial performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FITB.OQ - Fifth Third Bancorp
Q4 2025 Fifth Third Bancorp Earnings Call
Jan 20, 2026 / 03:00PM GMT

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Presentation
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Unidentified_1 [1]
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Thank you for standing by and welcome to the 5th Third Bancorp 4th quarter 2025 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. If you'd like to ask a question during this time, simply press star, followed by the number 1 in your telephone keypad. If you would like to withdraw your question again, press 1.

Thank you. I'd now like to turn the call over to Matt Curro, senior director of investor relations. You may begin.

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Unidentified_2 [2]
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