Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
Fifth Third Bancorp (FITB) delivered a strong FY2025 with net income rising 9.0% to $2.52B, EPS growing 12.4%-12.7%, and operating cash flow surging 59.8% to $4.51B, while stockholders' equity expanded 10.6% to $21.7B.
EPS (Diluted)
$3.53
+12.42% YoY
Source: SEC XBRL
Fifth Third Bancorp (FITB) generated $4.51B of operating cash flow in FY2025, up 59.8% year over year.
Last 4 quarters: 3 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 0.85 | 0.97 | Miss -12.0% |
| Mar 2026 | 0.84 | 0.62 | Beat +35.1% |
| Dec 2025This filing | 1.10 | 1.01 | Beat +8.4% |
| Sep 2025 | 0.91 | 0.89 | Beat +2.6% |
Reported EPS of $1.10 versus the $1.01 analyst consensus — a +8.4% beat for Dec 2025.
Compiled by AI from this SEC filing
Net income increased 9.0% year-over-year to $2.52B in FY2025, driven by improved profitability and disciplined balance sheet management, reflecting the bank's ability to generate stronger earnings in a competitive environment.
Source: 10-K Financial Data (XBRL), Income Statement
Operating cash flow surged 59.8% to $4.51B from $2.82B in the prior year, indicating significantly improved cash generation from core banking operations and better working capital management.
Source: 10-K Financial Data (XBRL), Cash Flow Statement
Stockholders' equity grew 10.6% to $21.72B, while total liabilities declined 0.3% to $192.65B, reflecting a healthier capital structure and reduced leverage on the balance sheet.
Source: 10-K Financial Data (XBRL), Balance Sheet
Long-term debt decreased 5.2% to $13.59B from $14.34B, demonstrating proactive debt management and a commitment to reducing the cost of funding over time.
Source: 10-K Financial Data (XBRL), Balance Sheet
FITB returned approximately $1.69B to shareholders in FY2025 through dividends ($1.16B) and share buybacks ($525M), though buybacks declined 16.0% year-over-year, suggesting a more conservative approach to repurchases.
Source: 10-K Financial Data (XBRL), Cash Flow Statement
Compiled by AI from this SEC filing · 1 high, 3 medium, 1 low
FITB's debt-to-equity ratio stands at approximately 8.87x, which is characteristic of large banks but reflects significant financial leverage. Any deterioration in asset quality or unexpected credit losses could disproportionately impact equity and capital adequacy ratios.
Source: 10-K Financial Data (XBRL), Key Ratios
With ROE at 11.6% and ROA at 1.18%, FITB's profitability ratios, while improving, remain moderate for a large regional bank. Sustained pressure on net interest margins or rising credit costs could further compress these returns.
Source: 10-K Financial Data (XBRL), Key Ratios
Share repurchases fell 16.0% year-over-year to $525M, which may signal management's caution about capital deployment or regulatory capital requirements. Reduced buybacks could limit EPS accretion going forward.
Source: 10-K Financial Data (XBRL), Cash Flow Statement
Investing cash flow swung sharply from +$1.04B in the prior year to -$1.85B in FY2025, a change of -277.7%, indicating significant capital deployment into investments or loan growth that could pressure liquidity if not matched by adequate funding.
Source: 10-K Financial Data (XBRL), Cash Flow Statement
Total assets grew only 0.7% to $214.38B while equity grew 10.6%, suggesting limited balance sheet expansion. Slow asset growth could constrain future revenue and net interest income generation in a competitive lending environment.
Source: 10-K Financial Data (XBRL), Balance Sheet
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Net Income $B | 2.52 $B | 2.31 $B | +8.99% |
EPS (Basic) $ | 3.56 $ | 3.16 $ | +12.66% |
EPS (Diluted) $ | 3.53 $ | 3.14 $ | +12.42% |
Answers draw on this SEC filing and the data on this page
Fifth Third Bancorp reported a 27.5% net income increase to $801 million in Q2 FY2026, but EPS fell on share dilution as assets surged 42.9% to over $300 billion.
Fifth Third Bancorp (FITB) reported a sharp 68% year-over-year decline in net income to $165M in Q1 FY2026, driven by significantly lower earnings per share and negative operating cash flow, even as total assets surged 39.7% to $297B following what appears to be a major balance sheet expansion.
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