Fifth Third Q4 2025 EPS $1.04 beats $0.85 YoY; NIM flat 3.13%, credit improves

FIFTH THIRD BANCORP

2025-FY EPS reported $3.53

Net income available to common $699M, diluted EPS $1.04 vs $0.85 YoY (+22%).
Net interest income (FTE) $1.533B (+6% YoY); NIM 3.13% unchanged sequentially.
NCO ratio 0.40% (down from 1.09% prior quarter which included $178M fraud charge-off).
CET1 ratio 10.77% (+20 bps QoQ); no share repurchases due to pending Comerica acquisition.
Noninterest income $811M (+11% YoY); noninterest expense ex-items $1.273B (+2% QoQ).

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