Analyst Consensus ?
ConsensusHold37 ratings
Bullish1540.5%
Neutral2054.1%
Bearish25.4%
Fifth Third Bancorp · FITBI · FY2026 Q2 · Calendar Q3 2026
Fifth Third raises guidance as Comerica synergies build
The quarter supports a constructive operating trajectory: merger synergies, deposit growth and broad-based lending improved, while management raised guidance. The evidence remains balanced by execution risk around systems conversion, deposit costs, credit conditions and capital returns.
Reported Before market openNASDAQFinancial Services
$16.63B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$0.84
Consensus $0.83
EPS surprise
+0.8%
Reported versus consensus
Reported revenue
$3.15B
Consensus $3.26B
Revenue surprise
-3.5%
Reported versus consensus
Market reaction
unavailable
Stock move
—
Event window
SPY move
—
Same window
Abnormal move
—
Stock minus SPY
Volume
—
Versus trailing sessions
Subsequent drift
—
Up to 20 sessions
FITBISPY benchmark
Ask FN2 about FITBI FY2026 Q2
Transcript, numbers and history already loaded
How did the market react to FITBI FY2026 Q2 earnings, and why?What changed in FITBI's guidance and outlook in FY2026 Q2?Give me the bull and bear case for FITBI after FY2026 Q2 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior quarter, management moved from maintained to raised guidance, reported further progress toward the $850 million expense-savings target, and emphasized continued deposit, loan, payments and AI investment.
Guidance delta
Raised full-year net interest income and non-interest income guidance; lowered expense guidance.
Key takeaways
- Integration synergies are materializing early, with $850 million of expense savings on track for Q4.
- Deposit growth is expanding in the Southeast and Southwest, supported by new branches and targeted marketing.
- Loan growth remained broad-based, including sequential growth in C&I and home equity balances.
- Management highlighted AI-driven products, Newline payments, Direct Express and Fifth Third for Business as ongoing investment areas.
Management priorities
- Complete the Comerica systems conversion over Labor Day weekend.
- Accelerate branch openings in the Southeast, Southwest and Texas.
- Scale the Direct Express platform and expand its beneficiary base.
- Reinvest incremental synergies in deposit campaigns, product specialists and AI initiatives.
- Invest in real-estate capital-markets capabilities following the HomeStreet DUS acquisition.
Follow FITBI with an agent that reads every filing, transcript, and price print. Free to start.
Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| RBC Capital | Outperform | Outperform | Maintain | Oct 19, 2023 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Oct 19, 2023 |
| Citigroup | Neutral | Neutral | Maintain | Sep 17, 2023 |
| Goldman Sachs | Buy | Buy | Maintain | Jul 23, 2023 |
| Wedbush | Outperform | Outperform | Maintain | Jul 20, 2023 |
| Stephens & Co. | Overweight | Overweight | Maintain | Jul 20, 2023 |
| DA Davidson | Neutral | Neutral | Maintain | Apr 23, 2023 |
| Barclays | Overweight | Overweight | Maintain | Apr 11, 2023 |
| JP Morgan | Neutral | Neutral | Maintain | Apr 9, 2023 |
| Keefe, Bruyette & Woods | Outperform | Market Perform | Upgrade | Apr 5, 2023 |
| Wells Fargo | Overweight | Overweight | Maintain | Apr 2, 2023 |
| Piper Sandler | Overweight | Overweight | Maintain | Feb 14, 2023 |
| Deutsche Bank | Hold | Hold | Maintain | Sep 11, 2022 |
| Baird | Outperform | Neutral | Upgrade | Jun 16, 2022 |
| Wolfe Research | Peer Perform | Peer Perform | Maintain | May 25, 2022 |
| B of A Securities | Buy | Buy | Maintain | Apr 19, 2022 |
| Evercore ISI Group | In Line | Underperform | Upgrade | Dec 6, 2020 |
| UBS | Buy | Buy | Maintain | May 3, 2020 |
| Nomura | Neutral | Neutral | Maintain | Apr 6, 2020 |
| Raymond James | Outperform | Outperform | Maintain | Oct 22, 2019 |
| BMO Capital | Market Perform | Market Perform | Maintain | Apr 24, 2019 |
| Macquarie | Underperform | Neutral | Downgrade | Nov 16, 2017 |
| Compass Point | Buy | Neutral | Upgrade | Mar 28, 2017 |
| Hilliard Lyons | Neutral | Underperform | Upgrade | Jan 24, 2017 |
| Bernstein | Market Perform | Outperform | Downgrade | Nov 15, 2016 |
| Jefferies | Hold | Buy | Downgrade | Oct 6, 2016 |
| CLSA | Outperform | Outperform | Maintain | Sep 22, 2016 |
| Oppenheimer | Perform | Outperform | Downgrade | Jul 5, 2016 |
| Susquehanna | Neutral | Positive | Downgrade | Jun 6, 2016 |
| Sterne Agee | Neutral | Buy | Downgrade | Apr 5, 2016 |
| Credit Suisse | Underperform | Underperform | Maintain | Mar 9, 2016 |
| Guggenheim | Neutral | Buy | Downgrade | Oct 20, 2015 |
| SunTrust Robinson Humphrey | Neutral | Neutral | Maintain | Jun 28, 2015 |
| FBR Capital | Market Perform | Outperform | Downgrade | Jan 21, 2015 |
| Rafferty Capital | Hold | Buy | Downgrade | Nov 5, 2013 |
| Stifel | Hold | Buy | Downgrade | Feb 10, 2013 |
| Miller Tabak | Strong Buy | Strong Buy | Maintain | Aug 26, 2012 |
Track every rating change on FITBI the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationFifth Third Bancorp, based in Cincinnati, Ohio, is a multifaceted financial institution serving a broad spectrum of clients across the United States. Through its Commercial Banking division, Fifth Third provides a comprehensive suite of financial solutions to businesses, government entities, and professional clients. These services encompass lending (including asset-based, real estate, public, commercial leasing, and syndicated finance), deposit accounts, treasury management, foreign exchange, international trade finance, derivatives, and capital market offerings. The Branch Banking segment caters to individuals and small enterprises, furnishing a variety of deposit and credit options. Offerings include checking and savings accounts, home equity loans and lines of credit (HELOCs), credit cards, and financing for vehicles and personal needs. Small businesses also benefit from dedicated cash management services. Fifth Third's Consumer Lending arm manages both direct and indirect loan portfolios.…
Historical context
All FITBI earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| SEIC SEI Investments Company | FY2026 Q3 · Calendar Q4 2026 | — | +1.2% | SEI posts broad growth as ETFs and alternatives expand |
| SF Stifel Financial Corp | FY2026 Q3 · Calendar Q4 2026 | — | -0.6% | Stifel Q3: Wealth, lending and fintech investment support record results |
| SF-PB Stifel Financial Corp. | FY2026 Q3 · Calendar Q4 2026 | — | — | Stifel leans into wealth, lending and venture-banking growth |
| CME CME Group Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +0.1% | CME posts strong volume growth while expanding its product pipeline |
| MCO Moody's Corporation | FY2026 Q3 · Calendar Q4 2026 | — | +0.8% | Moody’s reaffirms guidance as AI financing supports issuance growth |
| NTRS Northern Trust Corporation | FY2026 Q3 · Calendar Q4 2026 | — | +0.6% | Northern Trust reports strong Q3 growth, maintains outlook |
Latest beats and misses
Who reports nextBeat on EPS
Missed on EPS
- CCIFY2026 Q3 · October 21, 2026-2.5% EPS-3.1% move
- PACFY2026 Q3 · October 20, 2026-2.2% EPS+7.1% move
- AGNCZFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCLFY2026 Q3 · October 19, 2026-0.6% EPS-0.3% move
- AGNCOFY2026 Q3 · October 19, 2026-0.6% EPS+0.3% move
- AGNCPFY2026 Q3 · October 19, 2026-0.6% EPS0.0% move
Get the FITBI recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-07-29T17:09:19.004171+00:00
- FN2 earnings calendar · 2026-08-22T01:23:15.201981+00:00
- Polygon adjusted daily market bars · 2026-10-22T02:10:43.181513+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.
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 2026-10-22. For educational purposes only; not investment advice.