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Fifth Third Bancorp (FITB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended September 2026, Fifth Third Bancorp (FITB - Free Report) reported revenue of $3.28 billion, up 42.7% over the same period last year. EPS came in at $1.13, compared to $0.93 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $3.34 billion, representing a surprise of -1.74%. The company delivered an EPS surprise of +3.67%, with the consensus EPS estimate being $1.09.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Fifth Third Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net interest margin (FTE): 3.3% versus 3.4% estimated by five analysts on average.
  • Efficiency Ratio (FTE): 62.4% versus the five-analyst average estimate of 54.9%.
  • Book value per share: $34.31 compared to the $35.55 average estimate based on four analysts.
  • Net charge-off ratio (NCO ratio): 0.3% versus the four-analyst average estimate of 0.3%.
  • Tangible common equity (including AOCI): 6.9% versus 7.3% estimated by four analysts on average.
  • Tangible book value per share (including AOCI): $22.01 compared to the $23.53 average estimate based on four analysts.
  • Return on average assets: 1.1% compared to the 1.2% average estimate based on three analysts.
  • Regulatory Capital Ratios - Tier 1 risk-based Capital: 10.9% compared to the 10.9% average estimate based on three analysts.
  • Regulatory Capital Ratios - Leverage: 9.2% compared to the 9.2% average estimate based on three analysts.
  • Regulatory Capital Ratios - CET1 Capital: 10% versus 10% estimated by three analysts on average.
  • Average Balance - Total interest-earning assets: $270.02 billion compared to the $269.77 billion average estimate based on three analysts.
  • Regulatory Capital Ratios - Total risk-based Capital: 12.5% compared to the 12.5% average estimate based on two analysts.

View all Key Company Metrics for Fifth Third Bancorp here>>>

Shares of Fifth Third Bancorp have returned -4.8% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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