{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-24-000236","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2024-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.723390+00:00","generated_at":"2026-05-30T12:53:32.054759+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Fifth Third Q3 2024 EPS $0.78, down from $0.81 QoQ and $0.91 YoY; net income $573M","bullets":["Diluted EPS of $0.78, down 4% sequentially and 14% YoY; net income available to common $532M.","Net interest income (FTE) $1,427M, up 2% QoQ; net interest margin 2.90%, up 2 bps.","Noninterest income $711M, up 2% QoQ but down 1% YoY; fee growth driven by wealth management and commercial payments.","Credit provision $160M, up 65% QoQ and 34% YoY; NCO ratio 0.48% (stable QoQ, up 7 bps YoY).","CET1 ratio improved to 10.75%; executed $200M share repurchase and raised common dividend 6%."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-24-000236","json":"https://secwatch.observer/filing/0000035527-24-000236.json","markdown":"https://secwatch.observer/filing/0000035527-24-000236.md","text":"https://secwatch.observer/filing/0000035527-24-000236.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000236/0000035527-24-000236-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000236/fitb-20241018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:53:32.054759+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}