NASDAQ : FITB
Fifth Third Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 54.44 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 49.40B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 9.43B | 7.47B | 7.48B | 7.33B | 4.95B | 4.08B |
| Interest Income on Investments | 2.88B | 2.44B | 2.95B | 2.43B | 1.63B | 1.13B |
| Total Interest Income | 12.31B | 9.90B | 10.43B | 9.76B | 6.59B | 5.21B |
| Interest Paid on Deposits | 3.41B | 2.95B | 3.74B | 2.93B | 447.00M | 59.00M |
| Interest Paid on Borrowings | 948.00M | 969.00M | 1.06B | 1.00B | 531.00M | 382.00M |
| Total Interest Expense | 4.36B | 3.92B | 4.80B | 3.93B | 978.00M | 441.00M |
| Net Interest Income | 7.95B | 5.98B | 5.63B | 5.83B | 5.61B | 4.77B |
| Trust Income | 933.00M | 704.00M | 647.00M | 581.00M | 570.00M | 586.00M |
| Mortgage Banking Activities | 186.00M | 227.00M | 211.00M | 250.00M | 215.00M | 270.00M |
| Gain (Loss) on Sale of Assets | -7.00M | 25.00M | ||||
| Gain (Loss) on Sale of Investments | -20.00M | -6.00M | -88.00M | -32.00M | -98.00M | -14.00M |
| Gain (Loss) on Sale of Equity Investments | 31.00M | 31.00M | 18.00M | 52.00M | 22.00M | 30.00M |
| Other Non-Interest Income | 2.64B | 2.08B | 2.06B | 2.03B | 2.08B | 1.65B |
| Total Non-Interest Income | 3.77B | 3.04B | 2.85B | 2.88B | 2.78B | 3.15B |
| Revenues Before Loan Losses | 11.72B | 9.02B | 8.48B | 8.71B | 8.39B | 7.92B |
| Provision for Loan Losses | 597.00M | 662.00M | 530.00M | 515.00M | 563.00M | -377.00M |
| Revenue | 11.12B | 8.36B | 7.95B | 8.19B | 7.82B | 8.30B |
| Salaries and Employee Benefits | 4.04B | 2.65B | 2.60B | 2.52B | 2.39B | 2.51B |
| Occupancy Expenses | 405.00M | 226.00M | 222.00M | 215.00M | 195.00M | 199.00M |
| Selling, General & Administrative | 1.60B | 1.11B | 1.02B | 1.02B | 954.00M | 863.00M |
| Other Non-Interest Expense | 1.81B | 1.15B | 1.19B | 1.44B | 1.18B | 1.18B |
| Total Non-Interest Expense | 7.86B | 5.14B | 5.03B | 5.21B | 4.72B | 4.75B |
| EBT Excluding Unusual Items | 3.26B | 3.21B | 2.92B | 2.99B | 3.11B | 3.55B |
| Asset Writedown | -13.00M | -35.00M | ||||
| Pretax Income | 3.26B | 3.21B | 2.92B | 2.99B | 3.09B | 3.52B |
| Income Tax Expense | 700.00M | 689.00M | 602.00M | 639.00M | 647.00M | 747.00M |
| Earnings From Continuing Operations | 2.56B | 2.52B | 2.31B | 2.35B | 2.45B | 2.77B |
| Net Income | 2.56B | 2.52B | 2.31B | 2.35B | 2.45B | 2.77B |
| Preferred Dividends & Other Adjustments | 145.00M | 146.00M | 159.00M | 137.00M | 118.00M | 118.00M |
| Net Income to Common | 2.42B | 2.38B | 2.15B | 2.21B | 2.33B | 2.65B |
| Basic Shares Outstanding | 828.49M | 668.14M | 682.16M | 684.17M | 688.63M | 702.19M |
| Diluted Shares Outstanding | 833.35M | 672.50M | 687.30M | 687.68M | 694.95M | 711.20M |
| EPS (Basic) | 2.92 | 3.56 | 3.16 | 3.23 | 3.38 | 3.78 |
| EPS (Diluted) | 2.90 | 3.53 | 3.14 | 3.22 | 3.35 | 3.73 |
| Dividend Per Share | 1.62 | 1.54 | 1.44 | 1.36 | 1.26 | 1.14 |
| Effective Tax Rate | 21.45% | 21.46% | 20.64% | 21.39% | 20.92% | 21.24% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 4.09B | 3.50B | 3.01B | 3.14B | 3.47B | 2.99B |
| Investment Securities | 16.99B | 28.35B | 30.44B | 34.27B | 19.18B | 42.36B |
| Trading Asset Securities | 1.76B | 2.92B | 3.66B | 3.61B | 3.77B | 3.74B |
| Mortgage-Backed Securities | 63.85B | 40.57B | 39.59B | 40.45B | 42.27B | 32.21B |
| Total Investments | 82.60B | 71.85B | 73.69B | 78.33B | 65.22B | 78.31B |
| Gross Loans | 180.27B | 123.03B | 120.17B | 117.51B | 121.72B | 112.29B |
| Allowance for Loan Losses | -2.91B | -2.25B | -2.35B | -2.32B | -2.19B | -1.89B |
| Other Adjustments to Gross Loans | -384.00M | -380.00M | -272.00M | -238.00M | -244.00M | |
| Net Loans | 177.37B | 120.40B | 117.44B | 114.91B | 119.29B | 110.16B |
| Property, Plant & Equipment | 3.34B | 3.10B | 2.68B | 3.30B | 3.30B | 3.14B |
| Goodwill | 9.98B | 4.95B | 4.92B | 4.92B | 4.92B | 4.51B |
| Other Intangible Assets | 1.19B | 69.00M | 90.00M | 125.00M | 169.00M | 156.00M |
| Loans Held for Sale | 728.00M | 733.00M | 640.00M | 378.00M | 1.01B | 4.42B |
| Accrued Interest Receivable | 742.00M | 796.00M | 797.00M | 703.00M | 465.00M | |
| Other Receivables | 2.66B | 2.56B | 2.19B | 2.65B | 2.80B | |
| Other Current Assets | 166.00M | 142.00M | 143.00M | 145.00M | 139.00M | |
| Long-Term Deferred Tax Assets | 865.00M | 1.43B | 1.44B | 1.55B | 6.00M | |
| Other Real Estate Owned & Foreclosed | 90.00M | 31.00M | 32.00M | 39.00M | 24.00M | 29.00M |
| Other Long-Term Assets | 21.85B | 5.15B | 5.23B | 4.63B | 4.63B | 3.97B |
| Total Assets | 301.22B | 214.38B | 212.93B | 214.57B | 207.45B | 211.12B |
| Interest Bearing Deposits | 172.20B | 127.19B | 123.86B | 120.56B | 107.33B | 103.97B |
| Institutional Deposits | 2.54B | 1.98B | 2.36B | 5.21B | 3.23B | 269.00M |
| Non-Interest Bearing Deposits | 64.75B | 42.65B | 41.04B | 43.15B | 53.12B | 65.09B |
| Total Deposits | 239.49B | 171.82B | 167.25B | 168.91B | 163.69B | 169.32B |
| Short-Term Borrowings | 1.20B | 2.96B | 7.45B | 6.05B | 8.97B | 3.27B |
| Current Portion of Long-Term Debt | 750.00M | 1.50B | 2.25B | 1.15B | 1.50B | |
| Current Portion of Leases | 129.00M | |||||
| Current Income Taxes Payable | 2.96B | 1.37B | 1.53B | 1.59B | 1.21B | 1.18B |
| Other Current Liabilities | 508.00M | 450.00M | 273.00M | 394.00M | 479.00M | |
| Long-Term Debt | 16.94B | 11.11B | 11.12B | 12.43B | 12.33B | 10.07B |
| Federal Home Loan Bank Debt, Long-Term | 1.50B | 1.51B | 1.51B | 21.00M | 44.00M | |
| Long-Term Leases | 756.00M | 767.00M | 735.00M | 755.00M | 669.00M | |
| Trust Preferred Securities | 55.00M | 54.00M | 54.00M | 53.00M | 54.00M | |
| Pension & Post-Retirement Benefits | 11.00M | 24.00M | ||||
| Long-Term Deferred Tax Liabilities | 511.00M | |||||
| Other Long-Term Liabilities | 7.33B | 1.69B | 1.65B | 1.59B | 1.53B | 1.77B |
| Total Liabilities | 267.91B | 192.65B | 193.28B | 195.40B | 190.12B | 188.91B |
| Preferred Stock, Redeemable | 2.18B | 1.77B | 2.12B | 2.12B | 2.12B | 2.12B |
| Common Stock | 2.58B | 2.05B | 2.05B | 2.05B | 2.05B | 2.05B |
| Additional Paid-In Capital | 15.62B | 3.83B | 3.80B | 3.76B | 3.68B | 3.62B |
| Retained Earnings | 26.09B | 25.49B | 24.15B | 23.00B | 21.69B | 20.24B |
| Treasury Stock | -8.24B | -8.31B | -7.84B | -7.26B | -7.10B | -7.02B |
| Comprehensive Income & Other | -4.92B | -3.11B | -4.64B | -4.49B | -5.11B | 1.21B |
| Total Common Equity | 31.13B | 19.95B | 17.53B | 17.06B | 15.21B | 20.09B |
| Shareholders' Equity | 33.31B | 21.72B | 19.64B | 19.17B | 17.33B | 22.21B |
| Total Liabilities & Equity | 301.22B | 214.38B | 212.93B | 214.57B | 207.45B | 211.12B |
| Total Debt | 18.14B | 17.26B | 22.39B | 23.03B | 23.28B | 15.62B |
| Net Cash (Debt) | -12.29B | -10.84B | -15.72B | -16.28B | -16.05B | -8.88B |
| Net Cash Per Share | -14.75 | -16.11 | -22.88 | -23.68 | -23.09 | -12.49 |
| Filing Date Shares Outstanding | 907.37M | 901.82M | 665.62M | 681.22M | 678.59M | 683.68M |
| Total Common Shares Outstanding | 907.37M | 661.20M | 669.85M | 681.12M | 683.39M | 682.78M |
| Book Value Per Share | 34.31 | 30.18 | 26.17 | 25.04 | 22.26 | 29.43 |
| Tangible Book Value | 19.96B | 14.94B | 12.52B | 12.01B | 10.13B | 15.42B |
| Tangible Book Value Per Share | 22.00 | 22.59 | 18.69 | 17.64 | 14.82 | 22.59 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 2.52B | 2.31B | 2.35B | 2.45B | 2.77B | |
| Depreciation & Amortization | 554.00M | 495.00M | 462.00M | 436.00M | 349.00M | |
| Gain (Loss) on Sale of Assets | -14.00M | -25.00M | ||||
| Gain (Loss) on Sale of Investments | -27.00M | -20.00M | -31.00M | 84.00M | 16.00M | |
| Total Asset Writedown | 13.00M | 35.00M | ||||
| Provision for Credit Losses | 662.00M | 530.00M | 515.00M | 563.00M | -377.00M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -31.00M | -235.00M | 696.00M | 2.88B | 316.00M | |
| Change in Income Taxes | -207.00M | 70.00M | 162.00M | -506.00M | -217.00M | |
| Change in Other Net Operating Assets | 600.00M | -642.00M | 191.00M | 716.00M | -22.00M | |
| Other Operating Activities | 350.00M | 182.00M | 23.00M | -233.00M | 74.00M | |
| Operating Cash Flow | 4.51B | 2.82B | 4.51B | 6.43B | 2.70B | |
| Capital Expenditures | -709.00M | -414.00M | -491.00M | -472.00M | -309.00M | |
| Sale of Property, Plant and Equipment | 89.00M | 70.00M | 2.00M | 47.00M | ||
| Cash Acquisitions | -36.00M | -917.00M | -297.00M | |||
| Investment in Securities | 2.57B | 4.44B | -12.86B | 5.45B | -4.05B | |
| Divestitures | 6.00M | 66.00M | ||||
| Purchase / Sale of Intangibles | 5.00M | -25.00M | -213.00M | -381.00M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -3.71B | -3.12B | 3.80B | -8.84B | -3.00B | |
| Other Investing Activities | 38.00M | 34.00M | 14.00M | 49.00M | 24.00M | |
| Investing Cash Flow | -1.85B | 1.04B | -9.49B | -4.87B | -7.97B | |
| Short-Term Debt Issued | 4.76B | 4.10B | 6.75B | 7.55B | ||
| Long-Term Debt Issued | 1.08B | 3.25B | 4.29B | 4.03B | 562.00M | |
| Total Debt Issued | 5.84B | 7.35B | 11.04B | 11.58B | 562.00M | |
| Short-Term Debt Repaid | -8.50B | -2.53B | -8.63B | -3.79B | -193.00M | |
| Long-Term Debt Repaid | -1.98B | -5.28B | -1.66B | -1.76B | -3.60B | |
| Total Debt Repaid | -10.48B | -7.81B | -10.29B | -5.55B | -3.80B | |
| Net Debt Issued (Repaid) | -4.64B | -465.00M | 748.00M | 6.02B | -3.23B | |
| Repurchase of Common Stock | -525.00M | -625.00M | -200.00M | -100.00M | -1.39B | |
| Preferred Share Repurchases | -350.00M | |||||
| Total Dividends Paid | -1.16B | -1.18B | -1.06B | -927.00M | -897.00M | |
| Net Increase (Decrease) in Deposit Accounts | 4.57B | -1.66B | 5.22B | -5.99B | 10.73B | |
| Other Financing Activities | -74.00M | -65.00M | -55.00M | -85.00M | -99.00M | |
| Financing Cash Flow | -2.18B | -3.99B | 4.66B | -1.08B | 5.11B | |
| Net Cash Flow | 485.00M | -128.00M | -324.00M | 472.00M | -153.00M | |
| Free Cash Flow | 3.81B | 2.41B | 4.02B | 5.96B | 2.40B | |
| Free Cash Flow Margin | 45.54% | 30.32% | 49.04% | 76.13% | 28.87% | |
| Free Cash Flow Per Share | 5.66 | 3.51 | 5.84 | 8.57 | 3.37 | |
| Cash Interest Paid | 3.97B | 4.87B | 3.78B | 869.00M | 465.00M | |
| Cash Income Tax Paid | 185.00M | 193.00M | 655.00M | 272.00M | 607.00M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 48.88B | 30.94B | 28.35B | 23.49B | 22.52B | 29.78B |
| Last Close Price | 53.87 | 45.68 | 39.81 | 31.30 | 28.35 | 36.31 |
| PE Ratio | 18.55 | 13.02 | 13.16 | 10.62 | 9.67 | 11.23 |
| PS Ratio | 4.39 | 3.70 | 3.57 | 2.87 | 2.88 | 3.59 |
| PB Ratio | 1.57 | 1.42 | 1.44 | 1.23 | 1.30 | 1.34 |
| P/FCF Ratio | 16.88 | 8.13 | 11.76 | 5.85 | 3.78 | 12.43 |
| P/OCF Ratio | 13.34 | 6.86 | 10.04 | 5.21 | 3.50 | 11.01 |
| Debt / Equity Ratio | 0.54 | 0.80 | 1.14 | 1.20 | 1.34 | 0.70 |
| Debt / FCF Ratio | 4.54 | 9.29 | 5.73 | 3.91 | 6.52 | |
| Net Debt / Equity Ratio | 0.37 | 0.50 | 0.80 | 0.85 | 0.93 | 0.40 |
| Net Debt / FCF Ratio | 2.85 | 6.52 | 4.05 | 2.69 | 3.71 | |
| Return on Equity (ROE) | 9.42% | 12.19% | 11.92% | 12.87% | 12.37% | 12.22% |
| Return on Assets (ROA) | 1.00% | 1.18% | 1.08% | 1.11% | 1.17% | 1.33% |
| Earnings Yield | 5.39% | 8.15% | 8.16% | 10.00% | 10.86% | 9.30% |
| FCF Yield | 5.92% | 12.30% | 8.50% | 17.11% | 26.45% | 8.04% |
| Dividend Yield | 3.12% | 3.29% | 3.40% | 3.94% | 3.82% | 2.61% |
| Payout Ratio | 57.86% | 46.11% | 50.82% | 45.13% | 37.90% | 32.38% |
| Buyback Yield / Dilution | -23.35% | 2.15% | 0.06% | 1.05% | 2.28% | 1.19% |
| Total Shareholder Return | -20.23% | 5.44% | 3.46% | 4.99% | 6.11% | 3.80% |