---
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"
generated_at: "2026-05-16T08:10:46.403831+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000035527-26-000017
- JSON: https://secwatch.observer/filing/0000035527-26-000017.json
- Plain text: https://secwatch.observer/filing/0000035527-26-000017.txt

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