Fifth Third Bancorp
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+ FollowMarket Cap$49.7B
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Earnings Call Q3 2026
October 19, 2026 - AI Summary
Strong Q3 profitability + synergy progress (and “conversion behind us”)
- Adjusted EPS: $0.90 (or $1.13 excluding certain items).
- Adjusted PPNR: +$8% QoQ to $1.5B (fees +1% QoQ, NII +3% QoQ; expenses down 2% QoQ with synergies driving most of the improvement).
- Efficiency/returns: adjusted ROTCE 20.6%, adjusted ROA 1.41%, adjusted efficiency ratio 54.6%.
- Synergies: expense synergies continuing; conversion was completed over Labor Day weekend. Remaining integration actions drive further step-down in costs, especially in Q4.
Deposits & revenue engines: growth outperformance in key regions; new strategic “I-Banking” opportunity
- Core deposits: +3% sequentially (with loans +1%), supporting continued organic momentum.
- Retail deposit ranking: FDIC dataset showed #1 in retail footprint and #3 nationally YoY retail deposit growth; in Texas, Dallas/Houston retail deposits +20%+ YoY and +40 bps market share.
- De novo expansion: committed to 150 de novo branches in Texas over 3 years (first in Q3 next year); Southeast de novo program remains a key growth lever.
- Fifth Third i-Banking launched: start-up/growth-stage focus combining Comerica’s tech/life sciences vertical with Fifth Third’s payments/digital/IB/wealth. Management sees ~$10B deposit opportunity by 2030 plus other revenue avenues.
Rates & balance sheet positioning: benefited from higher rates, but margin pressure and AOCI volatility
- NII: $2.28B (+$56M QoQ); NIM 3.34% (-2 bps).
- One-time-ish structural cash impact from conversion: migration of Comerica investment sweep products onto the balance sheet created higher short-term investments (reduced NIM by ~4 bps, but management says no material impact on NII).
- Asset sensitivity management: added $2.5B to HTM at 4.9% yield, and $7B in received fixed cash flow hedges; management expects to benefit from further potential rate hikes.
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$83.22
52.1% upside
Current Fair Value
52.1% upsideUndervalued by 52.1% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $49.70 Billion |
|---|---|
| Enterprise Value | $63.76 Billion |
| Annual dividend | $1.62 |
| Dividend yield | 3.01% |
| Earnings per Share | $3.55 |
| Beta | 0.99 |
| Outstanding Shares | 911,919,000 |
Return
| Return on Equity | 7.69% |
|---|---|
| Return on Assets | 0.85% |
| Return on Invested Capital | 1.09% |
Valuation & Multiples
| P/E Ratio | 18.2 |
|---|---|
| PEG | 54.43 |
| Price to Sales | 3.22 |
| Price to Book Ratio | 1.52 |
| Enterprise Value to Revenue | 3.96 |
| Enterprise Value to EBIT | 19.54 |
| Enterprise Value to Net Income | 24 |
| Total Debt to Enterprise | 0.28 |
| Debt to Equity | 0.54 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 22, 2026
EPS Estimate
$0.87
Consensus analyst estimateRevenue Estimate
$3.35 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 19, 2027
EPS Estimate
$1.20
Consensus analyst estimateRevenue Estimate
$3.42 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 61.28% |
|---|---|
| Total Calls | 5,600▼ 99.83% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 3.98%▼ 90.16% |
|---|---|
| Total Invested | $1.83B▼ 96.20% |
| Investors Holding | 501▼ 847.00% |
About Fifth Third Bancorp
19,872 employees
CEO: Gregory Carmichael
Fifth Third Bancorp functions as a comprehensive financial institution, delivering a wide array of services across the United States. Its Commercial Banking division caters to businesses, government organizations, and professional client...