Fifth Third Bancorp (FITB) Earnings Call Transcripts

Fifth Third Bancorp's Latest Earnings Call - Q2 FY2026

In the second quarter of fiscal year 2026, Fifth Third Bancorp (FITB:US) reported a notable increase in earnings per share (EPS) to $0.83, or $1.02 when adjusted for certain items. Revenue growth was driven by a 2% sequential increase in net interest income, reaching $2.22 billion, and an expanded net interest margin of 3.36%. Management raised full-year guidance for net interest income to a range of $8.74 billion to $8.8 billion, reflecting strong loan growth and favorable market conditions, which could positively impact the stock moving forward.

Reported metrics

Guidance from management

Management raised full-year net interest income guidance to $8.74 billion to $8.8 billion and narrowed noninterest income guidance to $4.06 billion to $4.16 billion, reflecting strong growth in key business lines.

What management said

Thanks, Bryan. Before we start Q&A, given the time we have this morning, we ask that you limit yourself to one question and one follow-up and then return to the queue if you have additional questions. Operator, please open the call for Q&A.

Yes. And if you were to look back on a multiyear view of this, in 2024, this program averaged closer to $3 billion in balances. And as it continues to scale, it's sitting at $3.7 billion today. We would expect that kind of growth to continue. When you think of the makeup of this program, which is obviously, it's retirees and it's sectors of the economy that we think are going to continue to grow in terms of the unban...

What analysts pressed on

Analysts expressed concerns about the competitive landscape for deposits, particularly in the consumer segment, where pricing pressures are increasing. There were also questions regarding the sustainability of loan growth rates amid potential macroeconomic changes.

Main topics on the call

• Strong Loan Growth — Fifth Third reported a 2% sequential growth in commercial and industrial (C&I) loans, with a total of $179 billion in portfolio loans. Management noted, "New quality relationships are running about 20% ahead of where the...
• Increased Net Interest Income Guidance — The company raised its full-year net interest income guidance to $8.74 billion to $8.8 billion, up from previous estimates, driven by effective asset repricing and loan growth. CFO Bryan Preston stated, "Our second quart...
• Expense Synergies Ahead of Schedule — Management confirmed that expense synergies from the Comerica merger are ahead of the anticipated $850 million, with Bryan Preston noting, "Total adjusted noninterest expense of $1.86 billion was better than our expectat...
• Consumer Deposit Growth — Consumer deposits grew nearly $5 billion in the quarter, with a significant $2.5 billion increase in the Southwest market. Tim Spence highlighted, "The deposit campaigns in the Southwest went obviously extraordinarily we...

Read the full Fifth Third Bancorp transcript (Q2 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 58 Fifth Third Bancorp earnings call transcripts on record, spanning January 22, 2020 to July 17, 2026. Based on this history, Fifth Third Bancorp reports quarterly. The most recent call on file is dated July 17, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

FITB

Exchange

NYSE

Country

US

Sector

Financials

Industry

Banks

Calls on record

58

First call

January 22, 2020

Most recent

July 17, 2026

Reporting cadence

quarterly