The earnings call reflected a strong financial performance with significant revenue and loan growth, positive operating leverage, and strategic expansions yielding results. However, challenges remain in commercial loan growth and the solar business due to external economic factors and legislative changes.

Company Guidance

During the Fifth Third Second Quarter 2025 Earnings Conference Call held on July 17, 2025, the company provided robust guidance, highlighting several key metrics. The earnings per share (EPS) were reported at $0.88, or $0.90 excluding certain items, surpassing consensus estimates. Adjusted revenues increased by 6% year-over-year, with net interest income (NII) growing by 7%. The company achieved a 10% increase in adjusted pre-provision net revenue (PPNR) and delivered 250 basis points of positive operating leverage for the third consecutive quarter. Fifth Third's key profitability metrics remained strong, with an adjusted return on assets of 1.2% and an adjusted return on tangible common equity of 18%. The efficiency ratio was reported at 55.5%. Credit metrics showed improvement, with net charge-offs at 45 basis points, at the lower end of guidance, and non-performing assets (NPAs) declining by 11% sequentially. The company also noted a tangible book value per share increase of 18% over the prior year and 5% sequentially. Looking forward, Fifth Third raised its full-year NII guidance, expecting record NII in 2025, and forecasted 150 to 200 basis points of full-year positive operating leverage. The company plans to resume share repurchases in the third quarter, prioritizing organic growth, strong dividends, and share buybacks.

Record Earnings Per Share

Earnings per share of $0.88 or $0.90 excluding certain items, exceeding consensus estimates.

Strong Revenue Growth

Adjusted revenues grew by 6% year-over-year, with NII growth at 7% and adjusted PPNR increased by 10%.

Positive Operating Leverage

Achieved 250 basis points of positive operating leverage for the third consecutive quarter.

Strong Loan Growth

Average loan growth of 5% over the prior year with growth in C&I, CRE, leasing, mortgage, home equity, auto, and fintech platforms.

Southeast Expansion Success

Consumer Bank net new households grew by 6% in the Southeast, and 10 new branches opened year-to-date with plans for an additional 40 by year-end.

Increase in Tangible Book Value

Tangible book value per share increased by 18% over the prior year and by 5% sequentially.

Recognition and Awards

Fifth Third's mobile app was recognized as #1 in user satisfaction among regional banks by J.D. Power.

Fifth Third Bancorp (FITB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FITB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 17, 2025	2025 (Q3)	0.93 / -	0.78	―	―	―
Jul 17, 2025	2025 (Q2)	0.87 / 0.88	0.81	8.64% (+0.07)
Apr 17, 2025	2025 (Q1)	0.70 / 0.71	0.7	1.43% (+0.01)
Jan 21, 2025	2024 (Q4)	0.88 / 0.85	0.72	18.06% (+0.13)
Oct 18, 2024	2024 (Q3)	0.83 / 0.78	0.91	-14.29% (-0.13)
Jul 19, 2024	2024 (Q2)	0.85 / 0.81	0.82	-1.22% (>-0.01)
Apr 19, 2024	2024 (Q1)	0.68 / 0.70	0.78	-10.26% (-0.08)
Jan 19, 2024	2023 (Q4)	0.77 / 0.72	1.01	-28.71% (-0.29)
Oct 19, 2023	2023 (Q3)	0.82 / 0.91	0.91	0.00% (0.00)
Jul 20, 2023	2023 (Q2)	0.83 / 0.82	0.76	7.89% (+0.06)

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

FITB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$43.05	$42.61	-1.02%
Apr 17, 2025	$34.09	$33.84	-0.73%
Jan 21, 2025	$43.52	$44.04	+1.19%
Oct 18, 2024	$44.15	$43.47	-1.54%

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 (FITB) report earnings?

Fifth Third Bancorp (FITB) is schdueled to report earning on Oct 17, 2025, Before Open (Confirmed).

What is Fifth Third Bancorp (FITB) earnings time?

Fifth Third Bancorp (FITB) earnings time is at Oct 17, 2025, 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 FITB EPS forecast?

FITB EPS forecast for the fiscal quarter 2025 (Q3) is 0.93.

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