Analyst Consensus ?
ConsensusBuy51 ratings
Bullish2956.9%
Neutral2039.2%
Bearish23.9%
Fifth Third Bancorp · FITB · FY2026 Q3 · Calendar Q4 2026
Fifth Third completes Comerica integration as deposits and PPNR grow
Fifth Third's Q3 update supports a constructive operating thesis: completed integration, deposit growth and early expense synergies are improving earnings capacity. The key test is whether management can convert that progress into the 53% efficiency target and sustain growth without worsening funding costs or credit quality.
Reported Before market openNYSEFinancial Services
$45.68B market cap
80quality score
Earnings scorecard
Reported versus consensus
Reported EPS
—
Consensus $0.83
EPS surprise
—
Reported versus consensus
Reported revenue
—
Consensus $3.34B
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+0.8%
Event window
SPY move
+0.6%
Same window
Abnormal move
+0.2%
Stock minus SPY
Volume
0.7×
Versus trailing sessions
Subsequent drift
0.0%
Up to 20 sessions
FITBSPY benchmark
Ask FN2 about FITB FY2026 Q3
Transcript, numbers and history already loaded
What drove FITB's +0.8% move after FY2026 Q3 earnings?What changed in FITB's guidance and outlook in FY2026 Q3?Give me the bull and bear case for FITB after FY2026 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The Comerica integration is now complete. Versus the prior quarter, the emphasis shifted from completing the systems conversion to realizing remaining synergies, expanding the Texas footprint and scaling I Banking; Q4 guidance was maintained with sequential NII and year-over-year adjusted PPNR growth expectations.
Guidance delta
Management maintained the outlook and provided Q4 expectations for loan growth, sequential NII growth of 2.5%-3.5%, and adjusted PPNR growth of 9%-10% year over year.
Key takeaways
- Comerica integration is complete, and management said the combined bank has exceeded two of three 2027 profitability targets.
- Adjusted PPNR rose 8% to $1.5 billion, while the efficiency ratio improved to 54.6%.
- Core deposits grew 3% sequentially, led by Texas, the Southeast and the Southwest.
- Management highlighted a $10 billion deposit opportunity by 2030 through the I Banking platform.
- Capital remains robust, with CET1 near 10%; a 5% dividend increase and planned Q4 repurchases were outlined.
Management priorities
- Complete remaining expense synergies and reduce adjusted non-interest expense by 2%-3% in Q4.
- Expand retail deposits and the de-novo branch pipeline in Texas and the Southwest.
- Scale the I Banking platform for startups, fintech and life-science companies.
- Grow commercial lending, wealth and asset management, and commercial payments.
- Balance capital returns with organic loan growth and regulatory capital requirements.
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Beat
Miss
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Analyst 52W Price Targets
$50.72Current
$4.5Low
$51.12Average
$67High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 19, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| UBS | Buy | Buy | Maintain | Oct 5, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Oct 2, 2026 |
| Evercore ISI Group | In Line | In Line | Maintain | Oct 1, 2026 |
| Truist Securities | Buy | Buy | Maintain | Sep 23, 2026 |
| Citigroup | Buy | Neutral | Upgrade | Sep 22, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Jul 20, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Jul 20, 2026 |
| DA Davidson | Buy | Buy | Maintain | Jul 20, 2026 |
| B of A Securities | Buy | Buy | Maintain | Jul 20, 2026 |
| Wells Fargo | Overweight | Overweight | Maintain | Jul 6, 2026 |
| Morgan Stanley | Overweight | Overweight | Maintain | Jun 29, 2026 |
| Baird | Outperform | Outperform | Maintain | Jun 8, 2026 |
| Barclays | Overweight | Overweight | Maintain | Apr 20, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Mar 30, 2026 |
| TD Cowen | Buy | Buy | Maintain | Feb 3, 2026 |
| Stephens & Co. | Overweight | Equal Weight | Upgrade | Oct 14, 2025 |
| Argus Research | Buy | Buy | Maintain | Jul 22, 2024 |
| Jefferies | Buy | Buy | Maintain | Jul 3, 2024 |
| Wolfe Research | Outperform | Peer Perform | Upgrade | May 31, 2024 |
| Goldman Sachs | Buy | Buy | Maintain | Dec 18, 2023 |
| Wedbush | Outperform | Outperform | Maintain | Jul 21, 2023 |
| Deutsche Bank | Hold | Hold | Maintain | Sep 12, 2022 |
| CFRA | Buy | Buy | Maintain | Apr 22, 2020 |
| Nomura | Neutral | Neutral | Maintain | Apr 7, 2020 |
| Odeon Capital | Hold | Hold | Maintain | Dec 6, 2019 |
| Raymond James | Outperform | Outperform | Maintain | Oct 23, 2019 |
| Bank of America | Buy | Buy | Maintain | Oct 23, 2019 |
| BMO Capital | Market Perform | Market Perform | Maintain | Apr 25, 2019 |
| Keefe Bruyette & Woods | Outperform | Market Perform | Upgrade | Apr 4, 2019 |
| Argus | Buy | Buy | Maintain | Jun 14, 2018 |
| Macquarie | Underperform | Neutral | Downgrade | Nov 17, 2017 |
| Compass Point | Buy | Neutral | Upgrade | Mar 29, 2017 |
| Hilliard Lyons | Neutral | Underperform | Upgrade | Jan 25, 2017 |
| Bernstein | Market Perform | Outperform | Downgrade | Nov 16, 2016 |
| CLSA | Outperform | Outperform | Maintain | Sep 23, 2016 |
| Oppenheimer | Perform | Outperform | Downgrade | Jul 6, 2016 |
| Susquehanna | Neutral | Positive | Downgrade | Jun 7, 2016 |
| Sterne Agee CRT | Neutral | Buy | Downgrade | Apr 6, 2016 |
| Sterne Agee | Neutral | Buy | Downgrade | Apr 6, 2016 |
| Credit Suisse | Underperform | Underperform | Maintain | Mar 10, 2016 |
| PiperJaffray | Neutral | Neutral | Maintain | Nov 23, 2015 |
| Guggenheim | Neutral | Buy | Downgrade | Oct 21, 2015 |
| SunTrust Robinson Humphrey | Neutral | Neutral | Maintain | Jun 29, 2015 |
| FBR Capital | Market Perform | Outperform | Downgrade | Jan 22, 2015 |
| Evercore Partners | Overweight | Equal Weight | Upgrade | Dec 16, 2013 |
| Rafferty Capital | Hold | Buy | Downgrade | Nov 6, 2013 |
| Rafferty | Hold | Buy | Downgrade | Nov 6, 2013 |
| ISI Group | Buy | Buy | Maintain | Oct 7, 2013 |
| Stifel Nicolaus | Hold | Buy | Downgrade | Feb 11, 2013 |
| Stifel | Hold | Buy | Downgrade | Feb 11, 2013 |
| Miller Tabak | Strong Buy | Strong Buy | Maintain | Aug 27, 2012 |
Named analyst price targets
Upside is calculated against the persisted current price $50.72. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| UBS | Analyst unavailable | $63 | $50.87 | +24.2% | Oct 5, 2026 |
| Truist Financial | Analyst unavailable | $63 | $52.76 | +24.2% | Sep 23, 2026 |
| D.A. Davidson | Analyst unavailable | $65 | $57.96 | +28.2% | Jul 20, 2026 |
| RBC Capital | Analyst unavailable | $62 | $58.01 | +22.3% | Jul 20, 2026 |
| UBS | Erika Najarian | $65 | $58.27 | +28.2% | Jul 7, 2026 |
| Evercore ISI | Analyst unavailable | $60 | $57.72 | +18.3% | Jul 6, 2026 |
| Wells Fargo | Analyst unavailable | $67 | $57.16 | +32.1% | Jul 6, 2026 |
| Robert W. Baird | Analyst unavailable | $58 | $52.01 | +14.4% | Jun 8, 2026 |
| Truist Financial | Analyst unavailable | $57 | $51.05 | +12.4% | Apr 21, 2026 |
| Evercore ISI | Analyst unavailable | $53 | $51.68 | +4.5% | Apr 21, 2026 |
| Barclays | Jason Goldberg | $63 | $50.34 | +24.2% | Apr 20, 2026 |
| Evercore ISI | Analyst unavailable | $57 | $53.48 | +12.4% | Feb 5, 2026 |
| UBS | Erika Najarian | $59 | $54.57 | +16.3% | Feb 4, 2026 |
| Truist Financial | Analyst unavailable | $60 | $50.23 | +18.3% | Jan 26, 2026 |
| D.A. Davidson | Peter Winter | $58 | $50.19 | +14.4% | Jan 26, 2026 |
| RBC Capital | Analyst unavailable | $57 | $51.62 | +12.4% | Jan 21, 2026 |
| Wolfe Research | Analyst unavailable | $55 | $49.1 | +8.4% | Jan 7, 2026 |
| Evercore ISI | John Pancari | $52 | $49.46 | +2.5% | Jan 6, 2026 |
| UBS | Analyst unavailable | $57 | $48.62 | +12.4% | Jan 6, 2026 |
| Barclays | Analyst unavailable | $61 | $47.71 | +20.3% | Jan 5, 2026 |
| Truist Financial | Brian Foran | $55 | $48.1 | +8.4% | Dec 22, 2025 |
| Piper Sandler | Analyst unavailable | $50 | $45.17 | -1.4% | Dec 10, 2025 |
| Stephens | Analyst unavailable | $52 | $42.2 | +2.5% | Oct 14, 2025 |
| D.A. Davidson | Analyst unavailable | $52 | $44.03 | +2.5% | Oct 8, 2025 |
| UBS | Analyst unavailable | $45 | $43.67 | -11.3% | Oct 7, 2025 |
| Morgan Stanley | Manan Gosalia | $60 | $43.79 | +18.3% | Oct 7, 2025 |
| Evercore ISI | Analyst unavailable | $49 | $45.4 | -3.4% | Sep 30, 2025 |
| Morgan Stanley | Manan Gosalia | $56 | $45.43 | +10.4% | Sep 29, 2025 |
| D.A. Davidson | Peter Winter | $47 | $39.58 | -7.3% | Jun 9, 2025 |
| D.A. Davidson | Peter Winter | $46 | $43.37 | -9.3% | Oct 21, 2024 |
| Citigroup | Keith Horowitz | $43 | $44.67 | -15.2% | Oct 21, 2024 |
| Piper Sandler | Scott Siefers | $48 | $41.76 | -5.4% | Oct 3, 2024 |
| Stephens | Terry McEvoy | $42 | $39.8 | -17.2% | Sep 11, 2024 |
| Piper Sandler | Scott Siefers | $45 | $42.34 | -11.3% | Sep 3, 2024 |
| Argus Research | Stephen Biggar | $46 | $40.42 | -9.3% | Jul 22, 2024 |
| RBC Capital | Gerard Cassidy | $43 | $40.99 | -15.2% | Jul 22, 2024 |
| D.A. Davidson | Peter Winter | $42 | $40.99 | -17.2% | Jul 22, 2024 |
| Wells Fargo | Mike Mayo | $42 | $35.28 | -17.2% | Jun 12, 2024 |
| Wolfe Research | Bill Carcache | $43 | $36.75 | -15.2% | May 31, 2024 |
| UBS | Erika Najarian | $39 | $36.05 | -23.1% | Apr 4, 2024 |
| Robert W. Baird | David George | $32 | $37.21 | -36.9% | Apr 1, 2024 |
| Stephens | Terry McEvoy | $41 | $35.43 | -19.2% | Mar 19, 2024 |
| Raymond James | David Long | $4.5 | $51.41 | -91.1% | Jan 19, 2024 |
| Barclays | Analyst unavailable | $47 | $32.81 | -7.3% | Jan 3, 2023 |
| D.A. Davidson | Analyst unavailable | $36 | $31.94 | -29.0% | Dec 21, 2022 |
| Morgan Stanley | Analyst unavailable | $37 | $33.28 | -27.0% | Dec 5, 2022 |
| Morgan Stanley | Analyst unavailable | $43 | $33.96 | -15.2% | Jul 12, 2022 |
| UBS | Erika Najarian | $56 | $48.88 | +10.4% | Jan 12, 2022 |
| Barclays | Jason Goldberg | $53 | $44.38 | +4.5% | Jan 3, 2022 |
| Argus Research | Stephen Biggar | $49 | $44.98 | -3.4% | Oct 20, 2021 |
| Stephens | Terry McEvoy | $48 | $44.98 | -5.4% | Oct 20, 2021 |
| KBW | David Konrad | $42 | $36.57 | -17.2% | Jul 6, 2021 |
Track every rating change on FITB the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationFifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that provides a range of financial products and services in the United States. It operates through three segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. The Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers.…
Historical context
All FITB earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| IBN ICICI Bank Limited | FY2027 Q2 · Calendar Q4 2026 | +1.0% | — | ICICI Bank sustains strong growth, but funding weighs on margins |
| HDB HDFC Bank Limited | FY2027 Q2 · Calendar Q4 2026 | -2.0% | — | HDFC Bank: Strong deposits and asset quality, margins under pressure |
| MTB-PH M&T Bank Corporation | FY2026 Q3 · Calendar Q4 2026 | +2.2% | — | M&T Bank: Loan Growth Holds Up as Rates Pressure Margins |
| MTB-PJ M&T Bank Corporation | FY2026 Q3 · Calendar Q4 2026 | +2.2% | — | M&T: Deposit growth supports margins as AI use expands |
| RF-PE Regions Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +10.3% | — | Regions Financial: Fee Growth and Credit Quality Support Q3 |
| RF-PC Regions Financial Corporation | FY2026 Q3 · Calendar Q4 2026 | +10.3% | — | Regions Financial: Fee growth supports a steady Q3 outlook |
Latest beats and misses
Who reports nextBeat on EPS
Missed on EPS
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Sources
- Earnings call transcript and parsed analysis · 2026-10-19T17:04:01.320782+00:00
- FN2 earnings calendar · 2026-10-19T01:23:13.442344+00:00
- Polygon adjusted daily market bars · 2026-10-19T17:10:44.291772+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-19T17:10:44.289796+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-19. For educational purposes only; not investment advice.