Revenue: As of FY2025 Q4, the actual value is USD 2.34 B.

EPS: As of FY2025 Q4, the actual value is USD 1.04.

EBIT: As of FY2025 Q4, the actual value is USD -617 M.

Operational Metrics

Fifth Third Bancorp Depositary Shs Repr 1/1000th Non-Cum Red Perp Pfd Rg Shs Series K reported net income available to common shareholders of $699 million in the fourth quarter of 2025, an increase of 15% from $608 million in the prior quarter and 20% from $582 million in the year-ago quarter . Full year 2025 net income available to common shareholders reached $2.4 billion, up from $2.2 billion in full year 2024 . Reported Net Income (U.S. GAAP) for 4Q25 was $731 million, while Adjusted Net Income was $755 million . The company demonstrated sustained operating momentum, achieving its strongest adjusted Return on Assets (ROA) in three years and positive operating leverage for the fifth consecutive quarter .

Revenue

Net interest income (FTE) for the fourth quarter of 2025 was $1,533 million, a 1% increase from the prior quarter and a 6% increase year-over-year . Noninterest income totaled $811 million, increasing 4% sequentially and 11% year-over-year . Total revenue (FTE) was $2,344 million in the fourth quarter of 2025, a 2% sequential increase and an 8% year-over-year increase . Total Noninterest Income for 4Q25 was $811 million, an 11% increase year-over-year . Adjusted Noninterest Income (excluding securities gains/losses, net) was $812 million, a 3% increase year-over-year . Securities (losses) gains, net were - $5 million .

Operating Costs

Noninterest expense was $1,309 million in the fourth quarter of 2025, up 3% from the prior quarter and 7% from the year-ago quarter . The provision for credit losses decreased 40% sequentially to $119 million and decreased 34% year-over-year . Noninterest expense excluding certain items and non-qualified deferred compensation increased 2% sequentially to $1,273 million, and increased 4% year-over-year . Total Noninterest Expense was $1,309 million, up 7% year-over-year . Adjusted Noninterest Expense was $1,273 million, up 4% year-over-year and 2% quarter-over-quarter . Compensation and benefits were $683 million, up 3% year-over-year . Technology and communications expenses were $138 million, up 12% year-over-year . Marketing expense was $37 million, up 61% year-over-year .

Profitability Ratios

Return on average assets was 1.36% in the fourth quarter of 2025, up from 1.21% in the prior quarter and 1.17% in the year-ago quarter . Return on average common equity was 14.0%, up from 12.6% in the prior quarter and 13.0% in the year-ago quarter . The net interest margin (FTE) remained stable at 3.13% sequentially, but increased 16 basis points year-over-year . The efficiency (FTE) ratio was 55.8% in the fourth quarter of 2025 . The adjusted ROA was 1.41% and adjusted ROTCE ex. AOCI was 16.2% . The adjusted efficiency ratio improved by 50 bps year-over-year to 54.3% . Reported ROA was 1.36%, and Adjusted ROA was 1.41% . Reported ROE was 14.0%, and Adjusted ROE was 14.5% . Reported ROTCE was 19.0%, and Adjusted ROTCE was 19.6% . The Net Interest Margin (NIM) was 3.13% . The Reported Efficiency Ratio was 55.8%, and the Adjusted Efficiency Ratio was 54.3% . Pre-Provision Net Revenue (PPNR) was $1,035 million, and Adjusted Pre-Provision Net Revenue (PPNR) was $1,072 million .

Segment Revenue Breakdown (4Q25)

• Wealth and asset management revenue: $185 million, up 2% sequentially and 13% year-over-year . Assets under management increased 16% year-over-year to $80 billion .
• Commercial payments revenue: $167 million, up 6% sequentially and 8% year-over-year .
• Consumer banking revenue: $143 million, down 1% sequentially but up 4% year-over-year .
• Capital markets fees: $121 million, up 5% sequentially but down 2% year-over-year .
• Commercial banking revenue: $102 million, up 17% sequentially but down 6% year-over-year .
• Mortgage banking net revenue: $56 million, down 3% sequentially and 2% year-over-year .

Unique Metrics

• Loan Growth: Total average portfolio loans and leases were $123,430 million in 4Q25, stable sequentially and up 5% year-over-year . Average commercial portfolio loans and leases were $74,597 million, stable sequentially and up 4% year-over-year . Average consumer portfolio loans increased 1% sequentially to $48,833 million, and 6% year-over-year . Average Loans & Lease Balances were $123.4 billion, with Average Commercial Loans at $74.6 billion (up 4% year-over-year) and Average Consumer Loans at $48.8 billion (up 6% year-over-year) .
• Deposit Growth: Total average deposits increased 2% sequentially to $168,384 million and 1% year-over-year . Demand deposits grew 4% year-over-year . The period-end portfolio loan-to-core deposit ratio was 72% . Average Deposits were $168.4 billion, with Non Interest-Bearing Deposits at $41.8 billion . The Non Interest-Bearing to Core Deposit Trend was 25.1%, and the Loan-to-core deposit ratio was 72% .
• Credit Quality: The net charge-off ratio was 0.40% in 4Q25, a decrease of 69 bps from the prior quarter and 6 bps from the year-ago quarter . Commercial net charge-offs were $51 million, with a commercial NCO ratio of 0.27% . Consumer net charge-offs were $74 million, with a consumer NCO ratio of 0.59% . The Nonperforming asset ratio was 0.65% in 4Q25, consistent with the prior quarter and down from 0.71% year-over-year . The Allowance for Credit Losses (ACL) ratio was 1.96% of total portfolio loans and leases . Net Charge-Offs (NCOs) were $125 million, with an NCO ratio of 0.40% . Nonperforming Loans (NPLs) were $767 million, with an NPL ratio of 0.62% . Nonperforming Assets (NPAs) were $799 million, with an NPA ratio of 0.65% . The Allowance for Credit Losses (ACL) ratio as a % of portfolio loans and leases was 1.96% .
• Capital Position: The CET1 capital ratio increased 20 bps sequentially to 10.77% . Tangible book value per share grew 21% year-over-year . The Common Equity Tier 1 (CET1) ratio was 10.77% . Tangible Book Value per Share increased 21% . Total Liquidity Sources as of December 31, 2025, were $111 billion, including $18 billion in Fed reserves, $20 billion in unpledged investment securities, $13 billion in available FHLB borrowing capacity, and $61 billion in current Fed discount window availability .
• Operational Growth: Fifth Third Bancorp Depositary Shs Repr 1/1000th Non-Cum Red Perp Pfd Rg Shs Series K generated 230 bps of positive operating leverage in 2025 . Consumer household growth was 2.5%, including 7% in the Southeast . The company also reported its highest quarterly commercial loan production in over three years .
• Digital Metrics: Average Active Digital Users were 3.19 million, and Average Active Mobile Users were 2.49 million . Digital Assisted Mortgage Applications accounted for 98%, and 31% of New Consumer Deposit Accounts were originated digitally .

Outlook / Guidance

Fifth Third Bancorp Depositary Shs Repr 1/1000th Non-Cum Red Perp Pfd Rg Shs Series K expects the Comerica transaction to close on February 1, 2026, pending approvals, and remains confident in achieving expected financial synergies . For fiscal year 2026, the company projects average loans and leases to be in the mid-$170s billion range, with net interest income between $8.6 billion and $8.8 billion . Noninterest income is anticipated to be $4.0 billion to $4.4 billion, and noninterest expense is estimated at $7.0 billion to $7.3 billion, alongside a net charge-off ratio of 30-40 basis points and an effective tax rate of 23% .