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How Fifth Third Bancorp (FITB) makes money: Q3 2026 revenue breakdown
The quarter in brief
Revenue grew 42.5% y/y to $3.28B, pre-tax margin 33.8% vs 36.4%, net income $828M (+36.2% y/y).
Key growth driver: Net interest income — the fastest-growing revenue line: $2,271, +49% y/y. · by the Q3 2026 report
Net income available to common shareholders
$828M
up 36.2% y/y
Total revenue
$3,279M
up 42.5% y/y
Next report
not announced yet
How does Fifth Third Bancorp make money?
Fifth Third Bancorp brought in $3.28 billion of revenue in Q3 2026, up 42.5% year over year. The largest source was Net interest income: $2.27 billion, or 69% of the total, followed by Noninterest income ($1.01B, 31%). Net income for the quarter was $828 million, up 36.2% year over year.
Revenue by source, Q3 2026
- Net interest income$2.27B · 69% · +49.4%
- Noninterest income$1.01B · 31% · +29.1%
Shares of $3.28B total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
All figures in $M.
| Line item | Amount and change |
|---|---|
| Net interest income | $2,271 · +49.4% |
| Noninterest income | $1,008 · +29.1% |
| Total revenue | $3,279 · +42.5% |
| Noninterest expense | $2,049 · +61.7% |
| Provision for credit losses | $122 · −38.1% |
| Income before income taxes | $1,108 · +32.4% · 33.8% margin |
| Applicable income tax expense | $242 · +28.7% · 21.8% effective rate |
| Dividends on preferred stock | $38 · −7.3% |
| Net income available to common shareholders | $828 · +36.2% · $0.90/sh · 25.3% margin |
Verdict: revenue grew 42.5% y/y to $3.28B, pre-tax margin 33.8% vs 36.4%, net income $828M (+36.2% y/y).
Diluted EPS $0.90 vs $0.91 a year earlier (adjusted $1.13); net interest margin 3.34% vs 3.13%; efficiency ratio 62.4% vs 54.9%; CET1 10.02%; tangible book value per share $22.01.
Source and notation
Source: Fifth Third Bancorp earnings release and its exhibits, 8-K EX-99 of 10/19/2026 (SEC EDGAR). Bank layout: total revenue = net interest income + noninterest income; noninterest expense and the provision for credit losses are deducted to reach pre-tax income; preferred dividends separate net income from net income available to common shareholders. The income statement lines were taken from the release by hand; the program found every figure in the release text and checked the accounting identities and the chart balance; SEC XBRL for this quarter is not published yet, so the XBRL check is pending.
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
- Year-over-year growth mostly reflects the Comerica acquisition (merger closed on February 1, 2026): net interest income rose 49% to $2,271M and noninterest income 29% to $1,008M, while average portfolio loans grew to $179,244M from $123,326M.
- Noninterest expense rose 62% to $2,049M with the larger company and integration costs; the systems conversion is complete and the full $850 million expense synergy run-rate is locked in for 4Q26.
- Credit: the provision fell to $122M from $197M; net charge-offs were 0.31% of loans vs 1.09% a year earlier.
- Reported EPS of $0.90 includes $0.23 of certain items such as merger-related charges and interchange litigation matters; adjusted EPS was $1.13.
- Pre-tax income was $1.11B, a 33.8% margin vs 36.4% a year earlier.
- The effective tax rate was 21.8% vs 22.5% a year earlier.
What distorts the picture in this report and what to watch beyond the headlines.
Who runs the company now
- Timothy N. SpenceChairman, Chief Executive Officer and President [1]
- Bryan D. PrestonExecutive Vice President and Chief Financial Officer [2]
As of 10/20/2026, per the company’s SEC filings: signatures on the latest report and leadership-change filings.
Positions: the company’s SEC filings. Spotted an error, or is this you and you’d like it corrected or removed? Contact us
How this is compiled
Who runs the company now comes from primary sources only: for US companies, the CEO and CFO signatures on the latest SEC report, and a separate board chair from the proxy statement (DEF 14A); for Russian and Kazakh issuers, the company website and its disclosures. We recheck weekly; if a name can’t be confirmed, or a leadership-change filing came out after the report, we don’t show it until it’s reviewed. History comes from proxy statements, disclosures, Wikipedia and Wikidata; years show when a term started and ended, “since” means the person is in office now. An outcome for a previous employer is shown only when the linked document states it.
Sources · 2
- SEC EDGAR: 10-Q 2026-08-04 · SEC EDGAR · 10/20/2026
- SEC EDGAR: 10-Q 2026-08-04 · SEC EDGAR · 10/20/2026
Fifth Third Bancorp — Fifth Third Bancorp is a U.S. regional bank holding company offering commercial banking, consumer banking, payments and wealth and asset management; in February 2026 it merged with Comerica.
Headquarters: Cincinnati, Ohio.
Company guidance
Same quarter a year ago (ended December 31, 2025): revenue $2.34B, EPS (GAAP) $1.03
How we calculate
Year-ago figures are GAAP, from the company's SEC filings (XBRL); EPS is diluted.
FITB earnings history: past report dates
| Jul 17, 2026 Fri | 6:30 ambefore market open | Jun 30, 2026 | $3.3B+46% y/y | $0.83−6% y/y |
| Apr 17, 2026 Fri | 6:30 ambefore market open | Mar 31, 2026 | $2.8B+33% y/y | $0.15−79% y/y |
| Jan 20, 2026 Tue | 6:30 ambefore market open | Dec 31, 2025 | ≈$2.3B+8% y/y | ≈$1.03+21% y/y |
| Oct 17, 2025 Fri | 6:30 ambefore market open | Sep 30, 2025 | $2.3B+8% y/y | $0.91+17% y/y |
| Jul 17, 2025 Thu | 6:30 ambefore market open | Jun 30, 2025 | $2.2B+8% y/y | $0.88+9% y/y |
| Apr 17, 2025 Thu | 6:31 ambefore market open | Mar 31, 2025 | $2.1B+2% y/y | $0.71+1% y/y |
| Jan 21, 2025 Tue | 6:36 ambefore market open | Dec 31, 2024 | ≈$2.2B+1% y/y | ≈$0.85+20% y/y |
| Oct 18, 2024 Fri | 6:30 ambefore market open | Sep 30, 2024 | $2.1B−1% y/y | $0.78−14% y/y |
| Jul 19, 2024 Fri | 6:31 ambefore market open | Jun 30, 2024 | $2.1B−5% y/y | $0.81−1% y/y |
| Apr 19, 2024 Fri | 6:30 ambefore market open | Mar 31, 2024 | $2.1B−5% y/y | $0.70−10% y/y |
| Jan 19, 2024 Fri | 6:30 ambefore market open | Dec 31, 2023 | ≈$2.2B−7% y/y | ≈$0.71−30% y/y |
| Oct 19, 2023 Thu | 6:30 ambefore market open | Sep 30, 2023 | $2.2B−1% y/y | $0.91+0% y/y |
| Jul 20, 2023 Thu | 6:30 ambefore market open | Jun 30, 2023 | $2.2B+8% y/y | $0.82+8% y/y |
| Apr 20, 2023 Thu | 6:30 ambefore market open | Mar 31, 2023 | $2.2B+18% y/y | $0.78+15% y/y |
| Jan 19, 2023 Thu | 6:30 ambefore market open | Dec 31, 2022 | ≈$2.3B+16% y/y | ≈$1.01+12% y/y |
| Oct 20, 2022 Thu | 6:30 ambefore market open | Sep 30, 2022 | $2.2B+7% y/y | $0.91−6% y/y |
| Jul 21, 2022 Thu | 6:31 ambefore market open | Jun 30, 2022 | $2.0B+3% y/y | $0.76−19% y/y |
| Apr 19, 2022 Tue | 6:30 ambefore market open | Mar 31, 2022 | $1.9B−2% y/y | $0.68−27% y/y |
| Jan 20, 2022 Thu | 6:30 ambefore market open | Dec 31, 2021 | ≈$2.0B+1% y/y | ≈$0.90+14% y/y |
| Oct 19, 2021 Tue | 6:30 ambefore market open | Sep 30, 2021 | $2.0B+7% y/y | $0.97+24% y/y |
| Jul 22, 2021 Thu | 6:30 ambefore market open | Jun 30, 2021 | $1.9B+5% y/y | $0.94+309% y/y |
| Apr 20, 2021 Tue | 6:30 ambefore market open | Mar 31, 2021 | $1.9B+1% y/y | $0.93 |
| Jan 21, 2021 Thu | 6:30 ambefore market open | Dec 31, 2020 | ≈$2.0B−13% y/y | ≈$0.79−18% y/y |
| Oct 22, 2020 Thu | 6:30 ambefore market open | Sep 30, 2020 | $1.9B−5% y/y | $0.78+10% y/y |
| Jul 23, 2020 Thu | 6:29 ambefore market open | Jun 30, 2020 | $1.9B−3% y/y | $0.23−60% y/y |
| Apr 21, 2020 Tue | 6:31 ambefore market open | Mar 31, 2020 | $1.9B−13% y/y | $0.04−96% y/y |
| Jan 22, 2020 Wed | 6:31 ambefore market open | Dec 31, 2019 | ≈$2.3B+37% y/y | ≈$0.96+48% y/y |
| Oct 22, 2019 Tue | 6:32 ambefore market open | Sep 30, 2019 | $2.0B+23% y/y | $0.71+16% y/y |
| Jul 23, 2019 Tue | 6:31 ambefore market open | Jun 30, 2019 | $1.9B+8% y/y | $0.57−30% y/y |
| Apr 23, 2019 Tue | 6:31 ambefore market open | Mar 31, 2019 | $2.2B+15% y/y | $1.12+17% y/y |
| Jan 22, 2019 Tue | 6:48 ambefore market open | Dec 31, 2018 | ≈$1.7B+8% y/y | ≈$0.65+0% y/y |
| Oct 23, 2018 Tue | 6:30 ambefore market open | Sep 30, 2018 | $1.6B−37% y/y | $0.61−55% y/y |
| Jul 19, 2018 Thu | 6:30 ambefore market open | Jun 30, 2018 | $1.8B+17% y/y | $0.82+82% y/y |
| Apr 24, 2018 Tue | 6:30 ambefore market open | Mar 31, 2018 | $1.9B+31% y/y | $0.96+153% y/y |
| Jan 23, 2018 Tue | 6:31 ambefore market open | Dec 31, 2017 | ≈$1.5B+1% y/y | ≈$0.65+38% y/y |
| Oct 24, 2017 Tue | 6:30 ambefore market open | Sep 30, 2017 | $2.5B+45% y/y | $1.35+108% y/y |
| Jul 21, 2017 Fri | 6:31 ambefore market open | Jun 30, 2017 | $1.5B+0% y/y | $0.45+15% y/y |
| Apr 25, 2017 Tue | 6:30 ambefore market open | Mar 31, 2017 | $1.5B−5% y/y | $0.38−5% y/y |
| Jan 24, 2017 Tue | 6:58 ambefore market open | Dec 31, 2016 | ≈$1.5B−24% y/y | ≈$0.47−41% y/y |
| Oct 20, 2016 Thu | 6:31 ambefore market open | Sep 30, 2016 | $1.7B+8% y/y | $0.65+44% y/y |
| Jul 28, 2016 Thu | 6:32 ambefore market open | Jun 30, 2016 | $1.5B+4% y/y | $0.39+8% y/y |
| Apr 21, 2016 Thu | 6:30 ambefore market open | Mar 31, 2016 | $1.5B+4% y/y | $0.40−5% y/y |
| Jan 21, 2016 Thu | 6:30 ambefore market open | Dec 31, 2015 | ≈$2.0B+30% y/y | ≈$0.79+84% y/y |
| Oct 20, 2015 Tue | 6:30 ambefore market open | Sep 30, 2015 | $1.6B+13% y/y | $0.45+15% y/y |
| Jul 21, 2015 Tue | 6:30 ambefore market open | Jun 30, 2015 | $1.4B−12% y/y | $0.36−27% y/y |
| Apr 21, 2015 Tue | 6:30 ambefore market open | Mar 31, 2015 | $1.5B+1% y/y | $0.42+17% y/y |
| Jan 21, 2015 Wed | 6:30 ambefore market open | Dec 31, 2014 | ≈$1.5B−4% y/y | ≈$0.43−2% y/y |
| Oct 16, 2014 Thu | 6:30 ambefore market open | Sep 30, 2014 | $1.4B−12% y/y | $0.39−17% y/y |
| Jul 17, 2014 Thu | 6:31 ambefore market open | Jun 30, 2014 | $1.6B−16% y/y | $0.49−25% y/y |
| Apr 17, 2014 Thu | 6:31 ambefore market open | Mar 31, 2014 | $1.5B−11% y/y | $0.36−22% y/y |
| Jan 23, 2014 Thu | 6:37 ambefore market open | Dec 31, 2013 | ≈$1.6B−10% y/y | ≈$0.44+2% y/y |
| Oct 17, 2013 Thu | 6:30 ambefore market open | Sep 30, 2013 | $1.6B+3% y/y | $0.47+24% y/y |
| Jul 18, 2013 Thu | 6:31 ambefore market open | Jun 30, 2013 | $1.9B+23% y/y | $0.65+63% y/y |
| Apr 18, 2013 Thu | 6:31 ambefore market open | Mar 31, 2013 | $1.6B−2% y/y | $0.46+2% y/y |
| Jan 17, 2013 Thu | 6:31 ambefore market open | Dec 31, 2012 | ≈$1.8B+21% y/y | ≈$0.43+34% y/y |
| Oct 18, 2012 Thu | 6:30 ambefore market open | Sep 30, 2012 | $1.6B+1% y/y | $0.38−5% y/y |
| Jul 19, 2012 Thu | 6:30 ambefore market open | Jun 30, 2012 | $1.6B+3% y/y | $0.40+14% y/y |
| Apr 19, 2012 Thu | 6:31 ambefore market open | Mar 31, 2012 | $1.7B+14% y/y | $0.45+350% y/y |
| Jan 20, 2012 Fri | 6:06 ambefore market open | Dec 31, 2011 | ≈$1.5B | ≈$0.32 |
| Oct 20, 2011 Thu | 6:31 ambefore market open | Sep 30, 2011 | $1.6B | $0.40 |
| Jul 21, 2011 Thu | 6:31 ambefore market open | Jun 30, 2011 | $1.5B | $0.35 |
| Apr 21, 2011 Thu | 7:33 ambefore market open | Mar 31, 2011 | $1.5B | $0.10 |
Show all 62 reports since 2011Show fewer
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Companies that file the 8-K late in the evening publish the release the next morning: the date is that morning, before market open, and the evening filing time is not shown. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
Fifth Third Bancorp: 15-year financials
| 2025 | 9,017 | 2,522 | 3,930 | 1,163 |
| 2024 | 8,479 | 2,314 | 2,410 | 1,176 |
| 2023 | 8,708 | 2,349 | 4,018 | 1,060 |
| 2022 | 8,375 | 2,446 | 6,080 | 927 |
| 2021 | 7,888 | 2,770 | 2,395 | 897 |
| 2020 | 7,612 | 1,427 | 66 | 858 |
| 2019 | 8,333 | 2,512 | 1,581 | 660 |
| 2018 | 6,930 | 2,193 | 2,664 | 467 |
| 2017 | 7,022 | 2,180 | 1,280 | 430 |
| 2016 | 6,311 | 1,547 | 1,905 | 402 |
| 2015 | 6,536 | 1,712 | 2,254 | 422 |
| 2014 | 6,052 | 1,481 | 1,860 | 423 |
| 2013 | 6,788 | 1,836 | 4,321 | 393 |
| 2012 | 6,594 | 1,576 | 2,195 | 309 |
| 2011 | 6,012 | 1,297 | 2,047 | 192 |
$ millions, annual 10-K reports on SEC EDGAR (US GAAP)*.
How we calculate
Figures are annual report lines; if a year was later restated (discontinued operations, mergers), we use the latest filing that shows it. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing. The table starts in 2011; where the listed issuer changed (holding reorganization, redomicile), earlier years come from the predecessor’s filings.
Shareholders’ equity at Jun 30, 2026: $34.5B (12% of total assets). Compare with other S&P 500 companies →
Included in screener lists: S&P 500 companies that paid dividends 10 years without a gap
Fifth Third Bancorp (FITB) earnings: FAQ
How does Fifth Third Bancorp make money?
Fifth Third Bancorp brought in $3.28 billion of revenue in Q3 2026, up 42.5% year over year. The largest source was Net interest income: $2.27 billion, or 69% of the total, followed by Noninterest income ($1.01B, 31%). Net income for the quarter was $828 million, up 36.2% year over year.
When is FITB's next earnings date?
We have not yet seen an announcement of the date from Fifth Third Bancorp (FITB). Based on last year's report on Jan 20, 2026, the next report is expected around Jan 19, 2027.
What time does FITB report earnings?
Fifth Third Bancorp usually reports before market open: its latest results release was filed with the SEC at 6:30 am ET on Oct 19, 2026.
When did FITB last report earnings?
Fifth Third Bancorp reported Q3 2026 results on Oct 19, 2026.
Where can I find Fifth Third Bancorp's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to FITB's filings; this page breaks the latest report down in a Sankey chart.
What was FITB's net income in Q3 2026?
Fifth Third Bancorp reported net income of $828M for Q3 2026 (+36.2% year over year), under US GAAP.
Does Fifth Third Bancorp pay dividends?
Yes. In 2025, Fifth Third Bancorp paid $1,163M in dividends on its common stock, per its 10-K. Earlier years are in the 15-year table above.
How has Fifth Third Bancorp's revenue changed since 2011?
Per its 10-K filings, revenue grew 1.5x: $6,012M in 2011 and $9,017M in 2025. The latest year is the highest in the table. Year-by-year figures are in the table above.
New to earnings reports? Start with how to read an earnings report.
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