---
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"
generated_at: "2026-10-19T10:35:18.200606+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000035527-26-000229
- JSON: https://secwatch.observer/filing/0000035527-26-000229.json
- Plain text: https://secwatch.observer/filing/0000035527-26-000229.txt

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