{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-26-000017","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.385015+00:00","generated_at":"2026-05-16T08:10:46.403831+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Fifth Third Q4 2025 EPS $1.04 beats $0.85 YoY; NIM flat 3.13%, credit improves","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-26-000017","json":"https://secwatch.observer/filing/0000035527-26-000017.json","markdown":"https://secwatch.observer/filing/0000035527-26-000017.md","text":"https://secwatch.observer/filing/0000035527-26-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552726000017/0000035527-26-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552726000017/fitb-20260126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:10:46.403831+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"}