Compared to Estimates, Fifth Third Bancorp (FITB) Q4 Earnings: A Look at Key Metrics

Core Insights - Fifth Third Bancorp reported revenue of $2.34 billion for the quarter ended December 2025, marking a year-over-year increase of 7.9% and a surprise of +0.8% over the Zacks Consensus Estimate of $2.32 billion [1] - The earnings per share (EPS) for the same period was $1.12, compared to $0.90 a year ago, although it did not deliver an EPS surprise against the consensus estimate of $1.00 [1] Financial Performance Metrics - Efficiency Ratio (FTE) was reported at 55.8%, above the average estimate of 54.5% based on six analysts [4] - Net interest margin (FTE) was 3.1%, matching the average estimate based on six analysts [4] - Net charge-off ratio (NCO ratio) stood at 0.4%, consistent with the average estimate based on five analysts [4] - Book value per share was $30.18, slightly above the average estimate of $30.09 based on five analysts [4] - Average balance of total interest-earning assets was $194.14 billion, below the average estimate of $194.87 billion based on four analysts [4] - Return on average assets was 1.4%, exceeding the average estimate of 1.3% based on four analysts [4] - Tangible book value per share (including AOCI) was $22.60, compared to the average estimate of $22.31 based on four analysts [4] - Return on average common equity was 14%, above the average estimate of 13% based on three analysts [4] - Total nonperforming assets amounted to $867 million, higher than the average estimate of $843.25 million based on two analysts [4] - Tangible common equity (including AOCI) was reported at 7.1%, below the average estimate of 7.5% based on two analysts [4] - Total nonaccrual portfolio loans and leases were $767 million, lower than the average estimate of $832.25 million based on two analysts [4] - Regulatory Capital Ratios - Leverage was 9.4%, matching the average estimate based on two analysts [4] Stock Performance - Shares of Fifth Third Bancorp returned +2% over the past month, outperforming the Zacks S&P 500 composite's +1.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]