Fifth Third Bancorp (FITB) Q4 2025 Earnings Call Transcript

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Q4: 2026-01-20 Earnings Summary

EPS of $1.08 beats by $0.07

 | Revenue of $2.34B (7.77% Y/Y) beats by $6.07M

Fifth Third Bancorp (FITB) Q4 2025 Earnings Call January 20, 2026 10:00 AM EST

Company Participants

Matt Curoe – Senior Director of Investor Relations
Timothy Spence – Chairman, CEO & President
Bryan Preston – Executive VP & CFO

Conference Call Participants

Ebrahim Poonawala – BofA Securities, Research Division
Gerard Cassidy – RBC Capital Markets, Research Division
Robert Siefers – Piper Sandler & Co., Research Division
John Pancari – Evercore ISI Institutional Equities, Research Division
Michael Mayo – Wells Fargo Securities, LLC, Research Division
L. Erika Penala – UBS Investment Bank, Research Division
Kenneth Usdin – Bernstein Autonomous LLP
Manan Gosalia – Morgan Stanley, Research Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division

Presentation

Operator

Thank you for standing by, and welcome to the Fifth Third Bancorp Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions] I’d now like to turn the call over to Matt Curoe, Senior Director of Investor Relations. You may begin.

Matt Curoe
Senior Director of Investor Relations

Good morning, everyone. Welcome to Fifth Third’s Fourth Quarter 2025 Earnings Call. This morning, our Chairman, CEO and President, Tim Spence; and CFO, Bryan Preston, will provide an overview of our fourth quarter results and outlook. Please review the cautionary statements in our materials, which can be found in our earnings release and presentation.

These materials contain information regarding the use of non-GAAP measures and reconciliations to the GAAP results as well as forward-looking statements about Fifth Third’s performance. These statements speak only as of January 20, 2026, and Fifth Third undertakes no obligation to update them. Following prepared remarks by Tim and Bryan, we will open up the call for questions. With that, let me turn it over to Tim.

Timothy Spence
Chairman, CEO & President

Good morning, everyone, and thank you for joining us today. At Fifth Third, we believe great banks distinguish themselves not by how

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