{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-25-000200","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.749507+00:00","generated_at":"2026-05-17T03:28:08.624709+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Fifth Third Q3 2025 EPS $0.91, up 17% YoY; NIM expands 7th straight quarter","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-25-000200","json":"https://secwatch.observer/filing/0000035527-25-000200.json","markdown":"https://secwatch.observer/filing/0000035527-25-000200.md","text":"https://secwatch.observer/filing/0000035527-25-000200.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552725000200/0000035527-25-000200-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552725000200/fitb-20251017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:28:08.624709+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"}