Fifth Third Q3 2025 EPS $0.91, up 17% YoY; NIM expands 7th straight quarter

FIFTH THIRD BANCORP

2025-Q3 EPS reported $2.49

Net income available to common $608M, diluted EPS $0.91 (vs $0.78 YoY); revenue (FTE NII + noninterest income) $2,306M.
Net interest margin 3.13%, up 23bps YoY; NII $1,525M, up 7% YoY; 4th consecutive quarter of positive operating leverage.
Loan growth 6% YoY; demand deposits up 3% YoY; tangible book value per share up 7% YoY to $21.66.
Net charge-off ratio 1.09% (includes $178M impairment on one commercial credit; ex that 0.52%).
CET1 ratio 10.54%; $300M share repurchases in quarter; quarterly dividend raised 8% to $0.40.

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