FIFTH THIRD BANCORP

Listed Company

FITBOCIK 0000035527NasdaqLarge AcceleratedState Commercial BanksOhioFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$2.52B

Total Assets

$214.38B

Equity

$21.72B

Shares Out

901.82M

Op. Cash Flow

$4.51B

+ 13F Filer

Business

FIFTH THIRD BANCORP is a bank holding company and diversified financial services firm that serves commercial, retail, governmental, educational, energy and healthcare customers through its banking and nonbank subsidiaries. It offers a range of deposit, lending, payment, wealth management, securities and insurance products, including checking, savings, money market accounts, commercial loans and leases, mortgage loans, credit cards and investment and trust services. The Bancorp operates three primary businesses: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. Its products and services are delivered through banking centers, ATMs, telephone sales, internet and mobile channels across multiple states in the Midwest, Southeast and selected national markets.

Summary from filing dated 2025-02-24

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans and leases	7,466	7,477	7,334	4,954	4,079
Interest on securities	1,785	1,839	1,770	1,517	1,090
Interest on other short-term investments	652	1,110	656	116	42
Total interest income	9,903	10,426	9,760	6,587	5,211
Interest on deposits	2,952	3,736	2,929	447	59
Interest on short-term borrowings	215	168	262	—	—
Interest on long-term debt	754	892	742	417	380
Total interest expense	3,921	4,796	3,933	978	—
Net Interest Income	5,982	5,630	5,827	5,609	4,770
Provision for credit losses	662	530	515	563	−377
Net Interest Income After Provision for Credit Losses	5,320	5,100	5,312	5,046	5,147
Wealth and asset management revenue	704	647	581	570	586
Commercial payments revenue	630	608	564	568	—
Consumer banking revenue	571	555	546	542	—
Capital markets fees	415	424	422	387	—
Commercial banking revenue	349	377	409	419	637
Mortgage banking net revenue	227	211	250	215	270
Other noninterest income	126	12	91	149	332
Securities gains, net	13	15	18	−84	−7
Total noninterest income	3,035	2,849	2,881	2,766	3,118
Compensation and benefits	2,815	2,763	2,694	2,554	2,626
Technology and communications	516	474	464	416	388
Net occupancy expense	349	339	331	307	312
Equipment expense	169	153	148	145	138
Loan and lease expense	146	132	133	167	137
Marketing expense	142	115	126	118	107
Card and processing expense	92	84	84	80	89
Other noninterest expense	915	973	1,225	932	951
Total noninterest expense	5,144	5,033	5,205	4,719	4,748
Income (loss) before income taxes (FTE)(a)	3,211	2,916	2,988	3,093	3,517
Applicable income tax expense	689	602	639	647	747
Net Income	2,522	2,314	2,349	2,446	2,770
Dividends on preferred stock	146	159	137	116	111
Net Income Available to Common Shareholders	2,376	2,155	2,212	2,330	2,659
Earnings per share - basic (in dollars per share)	3.56	3.16	3.23	3.38	3.78
Earnings per share - diluted (in dollars per share)	3.53	3.14	3.22	3.35	3.73
Average common shares outstanding - basic (in shares)	668	682	684	689	702
Average common shares outstanding - diluted (in shares)	673	687	688	695	711

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	3,499	3,014	3,142	3,466	2,994
Other short-term investments	18,876	17,120	22,082	8,351	34,572
Available-for-sale debt and other securities	36,159	39,547	50,419	51,503	38,110
Held-to-maturity securities	11,368	11,278	2	5	8
Trading debt securities	1,057	1,185	899	414	512
Equity securities	453	341	613	317	376
Loans and leases held for sale	733	640	378	1,007	4,415
Portfolio loans and leases	122,651	119,791	117,234	121,480	112,050
Allowance for loan and lease losses	−2,253	−2,352	−2,322	−2,194	−1,892
Portfolio loans and leases, net	120,398	117,439	114,912	119,286	110,158
Bank premises and equipment	2,734	2,475	2,349	2,187	2,120
Operating lease equipment	374	319	459	627	616
Goodwill	4,947	4,918	4,919	4,915	4,514
Intangible assets	69	90	125	169	156
Servicing rights	1,598	1,704	1,737	1,746	1,121
Other assets	12,111	12,857	12,538	13,459	11,444
Total Assets	214,376	212,927	214,574	207,452	211,116
Noninterest-bearing deposits	42,647	41,038	43,146	53,125	65,088
Interest-bearing deposits	129,172	126,214	125,766	110,565	104,236
Total deposits	171,819	167,252	168,912	163,690	169,324
Short-term borrowings	926	4,654	—	—	—
Accrued taxes, interest and expenses	2,083	2,137	2,195	1,822	2,233
Other liabilities	4,235	4,902	4,861	5,881	4,267
Long-term debt	13,589	14,337	16,380	13,714	11,821
Total Liabilities	192,652	193,282	195,402	190,125	188,906
Common stock	2,051	2,051	2,051	2,051	2,051
Preferred stock	1,770	2,116	2,116	2,116	2,116
Capital surplus	3,831	3,804	3,757	3,684	3,624
Retained earnings	25,488	24,150	22,997	21,689	20,236
Accumulated other comprehensive loss	−3,110	−4,636	−4,487	−5,110	1,207
Treasury stock	−8,306	−7,840	−7,262	−7,103	−7,024
Total Equity	21,724	19,645	19,172	17,327	22,210
Total Liabilities and Equity	214,376	212,927	214,574	207,452	211,116

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation, amortization and accretion	554	495	462	436	349
Stock-based compensation expense	163	164	169	165	120
Provision for (benefit from) deferred income taxes	140	72	−106	−60	−14
Securities gains, net	−27	−20	−31	84	16
MSR fair value adjustment	169	77	105	−177	139
Net gains on sales of loans and fair value adjustments on loans held for sale	−72	−34	−27	−126	−335
Gain on the TRA associated with Worldpay, Inc.	0	−11	−22	−46	−46
Proceeds from sales of loans held for sale	5,175	4,066	4,938	13,123	17,204
Loans originated or purchased for sale, net of repayments	−5,206	−4,301	−4,242	−10,239	−16,888
Dividends representing return on equity method investments	41	44	46	50	55
Equity and trading debt securities	−115	−3	−128	70	15
Other assets	715	−639	319	646	−37
Accrued taxes, interest and expenses and other liabilities	−207	70	162	−506	−217
Net Cash Provided by Operating Activities	4,514	2,824	4,509	6,428	2,704
AFS securities and other investments	4,959	782	2,813	4,359	3,125
Loans and leases	341	419	444	155	718
Bank premises and equipment	0	24	7	2	—
MSRs	0	5	0	0	—
Proceeds from repayments / maturities of AFS and HTM securities and other investments	7,497	5,814	4,235	4,495	6,079
AFS and HTM securities, equity method investments and other investments	−8,145	−7,129	−6,244	−29,714	−11,713
Bank premises and equipment	−584	−414	−491	−348	−309
MSRs	0	0	−25	−213	−381
Proceeds from settlement of BOLI	38	34	14	49	24
Proceeds from sales and dividends representing return of equity method investments	17	11	69	87	63
Net cash received for divestitures	0	6	0	66	0
Net cash paid on acquisitions	−36	0	0	−917	−297
Other short-term investments	−1,756	4,962	−13,731	26,224	−1,172
Portfolio loans and leases	−4,052	−3,540	3,358	−8,992	−3,721
Operating lease equipment	−125	65	63	−124	28
Net Cash (Used in) Provided by Investing Activities	−1,846	1,039	−9,488	−4,871	−7,968
Net change in deposits	4,567	−1,660	5,222	−5,994	10,734
Net change in short-term borrowings	61	−32	−81	−543	−193
Proceeds from short-term FHLB advances	4,700	4,100	6,750	7,550	—
Repayment of short-term FHLB advances	−8,500	−2,500	−8,550	−3,250	—
Proceeds from long-term debt issuances/advances	1,083	3,249	4,286	4,026	562
Repayment of long-term debt	−1,982	−5,282	−1,657	−1,762	−3,603
Dividends paid on common and preferred stock	−1,163	−1,176	−1,060	−927	−897
Repurchases of treasury stock and related forward contract	−525	−625	−200	−100	−1,393
Redemption of preferred stock, Series L	−350	0	0	—	—
Other	−74	−65	−55	−85	−99
Net Cash (Used in) Provided by Financing Activities	−2,183	−3,991	4,655	−1,085	5,111
Increase (Decrease) in Cash and Due from Banks	485	−128	−324	472	−153

Filings

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Holdings (13F)

Portfolio as of 2026-01-14 · 2,691 positions

Reported AUM

$24.48B

Holdings

2.7K

Top sector

$24.48B

Top sectors

Sector	Value	% of portfolio
Uncategorized	$24.48B	100.0%

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