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 free

Earnings History

Estimate Beat Miss Match
FITBI EPS earnings history estimate and actual scatter chart 10 reported fiscal quarters and 4 future estimate-only quarters. Q4 '23 actual $0.77, None Q1 '24 actual $0.75, None Q2 '24 actual $0.87, None Q3 '24 actual $0.83, None Q2 '25 estimate $0.87 Q2 '25 actual $0.93, beat Q3 '25 estimate $0.86 Q3 '25 actual $0.97, beat Q4 '25 estimate $1.00 Q4 '25 actual $1.04, beat Q1 '26 estimate $-0.10 Q1 '26 actual $0.15, beat Q2 '26 estimate $0.83 Q2 '26 actual $0.84, match Q3 '26 estimate $0.89 Q3 '26 actual $0.91, beat Q4 '26 estimate $1.15 Q1 '27 estimate $1.11 Q2 '27 estimate $1.23 Q3 '27 estimate $1.29
Show less

Analyst Consensus ?

ConsensusHold37 ratings
Bullish1540.5%
Neutral2054.1%
Bearish25.4%

Firm-level rating actions

FMP grade actions identify the grading firm, not a named analyst.

FirmRatingPrior ratingActionDate
RBC Capital Outperform OutperformMaintainOct 19, 2023
Morgan Stanley Equal Weight Equal WeightMaintainOct 19, 2023
Citigroup Neutral NeutralMaintainSep 17, 2023
Goldman Sachs Buy BuyMaintainJul 23, 2023
Wedbush Outperform OutperformMaintainJul 20, 2023
Show 32 more rating actions

Track every rating change on FITBI the moment it posts. Free to start.

Start free

Company context

Snapshot as of publication

Fifth 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 earnings
—FY2026 Q3 · Calendar Q4 2026+0.0%FY2026 Q1 · Calendar Q2 2026

Financial Services peers this season

Latest reports in the same sector
CompanyQuarterEPS surpriseMarket moveHeadline
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 next

Beat on EPS

Missed on EPS

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

  1. Earnings call transcript and parsed analysis · 2026-07-29T17:09:19.004171+00:00
  2. FN2 earnings calendar · 2026-08-22T01:23:15.201981+00:00
  3. 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.