--- title: "Fifth Third Bancorp Pref Share FITBO 4.95 Perp 09/30/24 K | 10-K: FY2025 Revenue: USD 9.017 B" type: "News" locale: "en" url: "https://longbridge.com/en/news/276790238.md" datetime: "2026-02-24T21:35:45.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/276790238.md) - [en](https://longbridge.com/en/news/276790238.md) - [zh-HK](https://longbridge.com/zh-HK/news/276790238.md) --- # Fifth Third Bancorp Pref Share FITBO 4.95 Perp 09/30/24 K | 10-K: FY2025 Revenue: USD 9.017 B Revenue: As of FY2025, the actual value is USD 9.017 B. EPS: As of FY2025, the actual value is USD 3.53. EBIT: As of FY2025, the actual value is USD -2.109 B. #### Overall Financial Performance - **Net Interest Income (FTE)**: $6.0 billion for the year ended December 31, 2025, an increase of $348 million compared to $5.654 billion for 2024, and $5.852 billion for 2023 . - **Noninterest Income**: $3.035 billion for 2025, $2.849 billion for 2024, and $2.881 billion for 2023 . - **Total Revenue (FTE)**: $9.037 billion for 2025, $8.503 billion for 2024, and $8.733 billion for 2023 . - **Provision for Credit Losses**: $662 million for 2025, increasing from $530 million in 2024 and $515 million in 2023, primarily due to a fraud-related impairment and increases in specific reserves and loan balances . - **Noninterest Expense**: $5.144 billion for 2025, $5.033 billion for 2024, and $5.205 billion for 2023 . - **Net Income Available to Common Shareholders**: $2.376 billion for 2025, $2.155 billion for 2024, and $2.212 billion for 2023 . - **Net Interest Margin (FTE)**: 3.11% for 2025, compared to 2.90% for 2024 and 3.05% for 2023 . - **Net Charge-off Ratio**: 0.60% for 2025 and 0.45% for 2024 . - **Nonperforming Portfolio Assets Ratio**: 0.65% as of December 31, 2025, a decrease from 0.71% as of December 31, 2024 . - **Allowance for Loan and Lease Losses (ALLL)**: $2.3 billion as of December 31, 2025, a decrease of $99 million from December 31, 2024 . The ALLL as a percentage of portfolio loans and leases decreased to 1.84% in 2025 from 1.96% in 2024 . - **Reserve for Unfunded Commitments**: Increased $23 million to $157 million as of December 31, 2025 . - **Total Residential Mortgage Loans Serviced**: $104.8 billion as of December 31, 2025, compared to $110.9 billion as of December 31, 2024 . #### Capital Ratios (as of December 31, 2025) - **CET1 risk-based capital ratio**: 10.81% . - **Tier 1 risk-based capital ratio**: 11.87% . - **Total risk-based capital ratio**: 13.78% . - **Leverage ratio**: 9.41% . #### Commercial Banking Segment - **Income before income taxes (FTE)**: $1.342 billion for 2025, $1.761 billion for 2024, and $3.064 billion for 2023 . - **Net Interest Income (FTE)**: $2.323 billion for 2025, $2.544 billion for 2024, and $3.693 billion for 2023 . - **Provision for Credit Losses**: $451 million for 2025, $304 million for 2024, and $12 million for 2023 . - **Noninterest Income**: - **Commercial Payments Revenue**: $553 million for 2025, $519 million for 2024, and $464 million for 2023 . - **Capital Markets Fees**: $412 million for 2025, $420 million for 2024, and $418 million for 2023 . - **Commercial Banking Revenue**: $344 million for 2025, $373 million for 2024, and $406 million for 2023 . - **Other Noninterest Income**: $54 million for 2025, $56 million for 2024, and $57 million for 2023 . - **Noninterest Expense**: - **Compensation and Benefits**: $637 million for 2025, $643 million for 2024, and $642 million for 2023 . - **Net Occupancy and Equipment Expense**: $67 million for 2025, $62 million for 2024, and $69 million for 2023 . - **Other Noninterest Expense**: $1.189 billion for 2025, $1.142 billion for 2024, and $1.251 billion for 2023 . - **Average Balance Sheet Data**: - **Commercial loans and leases, including held for sale**: $68.148 billion for 2025, $66.596 billion for 2024, and $71.607 billion for 2023 . - **Demand deposits**: $16.474 billion for 2025, $16.863 billion for 2024, and $17.062 billion for 2023 . #### Consumer and Small Business Banking Segment - **Income before income taxes (FTE)**: $2.445 billion for 2025, $2.537 billion for 2024, and $3.599 billion for 2023 . #### Wealth and Asset Management Segment - **Income before income taxes (FTE)**: $252 million for 2025, $227 million for 2024, and $353 million for 2023 . - **Total Assets Under Care**: Approximately $690 billion as of December 31, 2025, compared to $634 billion as of December 31, 2024 . - **Managed Assets**: $80 billion as of December 31, 2025, compared to $69 billion as of December 31, 2024 . #### General Corporate and Other - **Income (Loss) before income taxes (FTE)**: -$808 million for 2025, -$1.585 billion for 2024, and -$4.003 billion for 2023 . #### Outlook / Guidance Fifth Third Bancorp expects to become a Category III institution by the end of 2026 following the acquisition of Comerica Incorporated, but does not anticipate any material financial impacts from this transition . The Bancorp expects to meet or exceed all risk-based capital and leverage ratio requirements post-acquisition . The final quarterly payment of the FDIC’s special assessment is expected at the end of the first quarter of 2026, with the related expense believed to be fully recognized as of December 31, 2025 . ### Related Stocks - [FITBO.US](https://longbridge.com/en/quote/FITBO.US.md) - [FITB.PRK.US](https://longbridge.com/en/quote/FITB.PRK.US.md)