Fifth Third Bancorp Reports $699M Q4 Net Income

By Chris Stiles • Monday, January 26 16:30 • Permanent Link

Fifth Third Bancorp (NASDAQ®: FITB) has reported a net income available to common shareholders of $699 million, or $1.04 per diluted share for the fourth quarter of 2025. This marks an increase from the previous quarter's $608 million, or $0.91 per diluted share, and the year-ago quarter's $582 million, or $0.85 per diluted share. The full year 2025 net income available to common shareholders was $2.4 billion, or $3.53 per diluted share, compared to the previous year's $2.2 billion, or $3.14 per diluted share.

Net interest income (NII) for the fourth quarter of 2025 was reported at $1.533 billion, showing a 1% increase from the previous quarter and a 6% increase from the year-ago quarter. The net interest margin (NIM) remained flat at 3.13% compared to the previous quarter but showed a 16 basis points increase from the year-ago quarter.

Noninterest income for the fourth quarter increased by 4% from the previous quarter and 11% from the year-ago quarter, reaching $811 million. Excluding certain items, noninterest income increased by 3% compared to the previous quarter and 3% compared to the year-ago quarter, reaching $812 million.

Noninterest expense for the fourth quarter of 2025 increased by 3% from the previous quarter and 7% from the year-ago quarter, totaling $1.309 billion. Excluding certain items and non-qualified deferred compensation, noninterest expense increased by 2% compared to the previous quarter and 4% compared to the year-ago quarter, reaching $1.273 billion.

Total average deposits increased by 2% compared to the previous quarter, reaching $168 billion, with period-end total deposits increasing by 3% to $172 billion. The period-end portfolio loan-to-core deposit ratio was 72% in the current quarter, compared to 75% in the previous quarter.

In the fourth quarter of 2025, period-end commercial portfolio loans and leases decreased by 1% compared to the previous quarter, while period-end consumer portfolio loans increased by 1%. Total period-end securities decreased by 1%, and other short-term investments increased by 10% compared to the previous quarter.

Average wholesale funding decreased by 14% compared to the previous quarter, driven by reductions in FHLB advances and long-term debt. The 7% decrease in average wholesale funding compared to the year-ago quarter was primarily attributable to a decrease in long-term debt and CDs over $250,000.

The press release also detailed the impact of certain items on diluted earnings per share, including contributions from the Fifth Third Foundation, merger-related expenses, interchange litigation matters, resolution of certain tax matters, and litigation settlements.

These figures and changes reflect Fifth Third Bancorp's financial performance and position for the fourth quarter of 2025, showcasing notable shifts and growth in various key financial metrics compared to previous periods. Following these announcements, the company's shares moved 0.29%, and are now trading at a price of $49.16. For the full picture, make sure to review FIFTH THIRD BANCORP's 8-K report.

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