---
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"
generated_at: "2026-05-27T22:37:30.637265+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Fifth Third Q4 2024 EPS $0.85 beats; NIM expands 7bps to 2.97%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000035527-25-000002
- JSON: https://secwatch.observer/filing/0000035527-25-000002.json
- Plain text: https://secwatch.observer/filing/0000035527-25-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.