{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-26-000229","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2026-10-19T10:30:25+00:00","discovered_at":"2026-10-19T10:35:00.254170+00:00","generated_at":"2026-10-19T10:35:18.200606+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Fifth Third Q3 2026 EPS $0.90 ($1.13 adj) on Comerica-boosted NII; NCO ratio 0.31%, CET1 10.02%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-26-000229","json":"https://secwatch.observer/filing/0000035527-26-000229.json","markdown":"https://secwatch.observer/filing/0000035527-26-000229.md","text":"https://secwatch.observer/filing/0000035527-26-000229.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552726000229/0000035527-26-000229-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552726000229/fitb-20261019.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-19T10:35:18.200606+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"}