Fifth Third Bancorp (DE:FFH)
FRANKFURT:FFH
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Earnings Data
Report Date
Jul 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.76Last Year’s EPS
0.75Same Quarter Last Year
Strong Buy
Based on 17 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong growth and integration progress with multiple tangible metrics improving (revenue +33%, adjusted net income +38%, NII and NIM expansion, TBV growth, early revenue synergies and deposit wins), while also acknowledging expected near-term merger-related costs, execution risk tied to the systems conversion, and elevated expense and capital management work to realize full benefits. Overall the narrative emphasized disciplined execution, improving returns, and confidence in achieving $850 million run-rate synergies, offsetting the short-term drag from acquisition charges and integration risk.Company Guidance
Business Line Fee Growth and Scale
Adjusted noninterest income of $921 million; wealth fees $233 million with AUM $119 billion (up $10 billion or 15% YoY); commercial payments fees $218 million with Newline revenue up 30% YoY and related deposits $5.5 billion (up $2.7 billion YoY); Direct Express contributed ~$14 million in fees and ~$3.7 billion in March average deposits.
Credit Performance
Net charge-offs at 37 basis points (lowest in 2 years); commercial NCOs 26 bps (2-year low); NPA ratio improved to 57 bps from 65 bps last quarter; ACL as % of loans 1.79% (ACL as % of NPAs 316%).
Operational and Strategic Wins in Consumer and Commercial
Legacy Fifth Third: 3% household growth and 4% DDA balance growth; legacy Fifth Third commercial C&I loan balances grew 6% YoY; #1 HELOC origination market share in legacy footprint; early Comerica marketing in Texas produced strong response and a 6 million household campaign expected to generate ~$1 billion in deposits (included in guide).
Liquidity and Funding Discipline
Maintained Category 1 LCR compliance at 109%; loan-to-core deposit ratio 76%; average wholesale funding declined 3% YoY despite larger balance sheet; total deposit costs 158 bps and interest-bearing deposit costs 215 bps (down 27 bps YoY).
Strong Top-Line Growth
Revenue of $2.9 billion, up 33% year-over-year; adjusted net income of $734 million, up 38% year-over-year.
Net Interest Income and Margin Expansion
Net interest income of $1.94 billion; net interest margin expanded 17 basis points to 330 basis points in Q1; guidance updated to full-year NII of $8.7–$8.8 billion and expectation that NIM will expand another 3–5 bps in Q2 and approach ~340 bps by year-end.
Acquisition and Integration Progress (Comerica)
Comerica acquisition closed February 1 (largest in company history) and closed without tangible book value dilution; integration on schedule with system conversion planned for Labor Day; targeting $360 million of net cost savings in 2026 and an $850 million annual run rate by Q4.
Capital and Tangible Book Value Growth
Tangible common equity ratio rose to 7.3%; tangible book value per share grew 1% sequentially and 15% year-over-year; CET1 ended at 10% (estimated fully phased-in pro forma under proposed rule ~9.6%).
Loan and Deposit Franchise Momentum
End-of-period loans $178 billion (up 2% sequentially from pro forma combined YE); average total loans $158 billion (reflecting Feb 1 close); end-of-period core deposits $231 billion; noninterest-bearing deposits made up 28% of core deposits (vs. 25% a year ago).
DE:FFH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:FFH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 17, 2026 | €42.35 | €41.95 | -0.94% |
Jan 20, 2026 | €41.26 | €41.29 | +0.08% |
Oct 17, 2025 | €35.88 | €35.25 | -1.77% |
Jul 17, 2025 | €35.44 | €35.75 | +0.87% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Fifth Third Bancorp (DE:FFH) report earnings?
Fifth Third Bancorp (DE:FFH) is schdueled to report earning on Jul 23, 2026, Before Open (Confirmed).
What is Fifth Third Bancorp (DE:FFH) earnings time?
Fifth Third Bancorp (DE:FFH) earnings time is at Jul 23, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Fifth Third Bancorp stock?
The P/E ratio of Fifth Third Bancorp is N/A.
What is DE:FFH EPS forecast?
DE:FFH EPS forecast for the fiscal quarter 2026 (Q2) is 0.76.