{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-25-000002","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.985746+00:00","generated_at":"2026-05-27T22:37:30.637265+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Fifth Third Q4 2024 EPS $0.85 beats; NIM expands 7bps to 2.97%","bullets":["Net income available to common $582M, diluted EPS $0.85 vs $0.78 QoQ and $0.72 YoY.","Net interest margin 2.97% (+7bps QoQ); NII $1,443M (+1% QoQ) on loan growth and lower deposit costs.","Noninterest income $732M (+3% QoQ); wealth/asset mgmt +11% and capital markets fees +16% YoY.","Certain items (interchange litigation, Foundation, FDIC) reduced EPS by $0.05; adjusted EPS ~$0.90.","CET1 ratio 10.51%; returned $1.6B to shareholders in 2024; average deposits stable at $167B."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-25-000002","json":"https://secwatch.observer/filing/0000035527-25-000002.json","markdown":"https://secwatch.observer/filing/0000035527-25-000002.md","text":"https://secwatch.observer/filing/0000035527-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552725000002/0000035527-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552725000002/fitb-20250121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:37:30.637265+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"}