Fifth Third Q3 2026 EPS $0.90 ($1.13 adj) on Comerica-boosted NII; NCO ratio 0.31%, CET1 10.02%

FIFTH THIRD BANCORP

Net income available to common $828M, or $0.90 diluted EPS, vs $0.83 in 2Q26 and $0.91 in 3Q25; adjusted EPS $1.13 excludes $0.23 of merger, litigation and impairment items.
NII (FTE) $2.28B, up 3% sequentially and 49% YoY on the Comerica addition and fixed-rate asset repricing; net interest margin 3.34%, down 2 bps QoQ.
Adjusted ROTCE 20.6% and adjusted efficiency ratio 62.4%; 8% adjusted PPNR growth and 450 bps of positive operating leverage versus 2Q26.
Net charge-offs $139M, or 0.31% of average portfolio loans, vs 0.30% in 2Q26; ACL 1.74% of loans and 292% of nonperforming loans; NPA ratio 0.64%.
CET1 rose to 10.02% from 9.93%; no common share repurchases in the quarter or year-to-date. Comerica systems conversion completed with strong client and banker retention.

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