Fifth Third Bancorp Q4 EPS Tops Estimates, NII Up 6%, Credit Costs Down 34%
Fifth Third Bancorp reported Q4 2025 adjusted EPS of $1.08, beating estimates by 7 cents to lift net income to $699 million, up 20% year over year. Total revenues climbed 8% to $2.34 billion as NII rose 6% to $1.53 billion and credit provisions fell 34% to $119 million.
1. Q4 2025 Earnings Beat
Fifth Third Bancorp delivered adjusted EPS of $1.08 for Q4 2025, exceeding the consensus estimate by 7 cents. GAAP net income available to common shareholders reached $699 million, reflecting a 20% year-over-year gain after excluding a 4-cent charge.
2. Revenue and NII Growth
Total revenues (FTE) rose 8% year-over-year to $2.34 billion, driven by a 6% increase in net interest income to $1.53 billion and an 11% rise in non-interest income to $811 million, supported by wealth management and commercial payments.
3. Credit Quality and Capital Position
Provision for credit losses fell 34% to $119 million, while non-performing loans declined 6.6% to $797 million and net charge-offs improved to 0.40% of average loans. The CET1 ratio increased to 10.77% and Tier 1 risk-based capital stood at 11.82%.
4. 2026 Outlook
The bank forecasts 8.6–8.8% growth in adjusted net interest income and a 15-basis-point NIM lift post-Comerica close, with non-interest income projected at $4–4.4 billion and adjusted expenses of $7–7.3 billion, aiming for mid-$170 billion in loans and revenue growth of 40–45%.