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Top analysts & firms
All analyzed callsNot limited to the selected quarter · analysts and firms with 2 or more questions
What does “challenging” mean?
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Most active analysts
Analyst
Firm
Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
Fifth Third closed the largest acquisition in its history on February 1, and the Comerica addition drove revenue to $2.9 billion, up 33% year-over-year, with adjusted net income of $734 million, up 38%. GAAP EPS was $0.15, or $0.83 excluding certain items, reflecting $635 million in merger-related expenses and an $83 million day-1 ACL build. Integration is tracking to a Labor Day systems conversion, with $360 million of net cost savings expected in 2026 and an $850 million annualized run rate by the fourth quarter, while early revenue synergies showed up in capital markets, asset-based lending and commercial payments. Legacy Fifth Third grew on its own as well, with C&I loans up 6% year-over-year, Newline revenue up 30% and its deposits reaching $5.5 billion, and net charge-offs of 37 basis points, the lowest level in two years. Management updated the full year NII outlook to a range of $8.7 billion to $8.8 billion while applying a qualitative reserve adjustment for elevated energy and commodity costs.
Key themes
7
positive📊 company
Comerica Acquisition Closed February 1 With Integration On Track For Labor Day Conversion
Key financials
FY2026 Q1 selectedReported GAAP figures from SEC filings
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Quarter
Revenue
Rev YoY
EPS
EPS YoY
Net margin
FY2024 Q4
$2.17B
+0.5%
$0.85
+18.1%
28.6%
FY2025 Q1
$2.13B
+1.8%
$0.71
+1.4%
24.2%
FY2025 Q2
$2.25B
+7.8%
$0.88
+8.6%
28.0%
FY2025 Q3
$2.30B
+7.9%
$0.91
+16.7%
28.2%
FY2025 Q4
$2.34B
+7.8%
$1.04
+22.4%
31.2%
FY2026 Q1Selected
$2.83B
+32.8%
$0.15
-78.9%
5.8%
FY2026 Q2
$3.27B
+45.8%
$0.83
-5.7%
24.5%
FY2026 Q3
$3.28B
+42.4%
$0.90
-1.1%
26.4%
As stated by management
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
EPS
“earnings per share of $0.15 or $0.83 excluding certain items”
Revenue
“Revenue was $2.9 billion, up 33% year-over-year”
Guidance
“updating our full year NII outlook to a range between $8.7 billion and $8.8 billion; full year noninterest income expected to be between $4.0 billion and $4.2 billion”
Closed largest M&A in Fifth Third history. Organizational design and leadership decisions complete. Walk-the-Wall planning done with 46 new applications to integrate. Employee attrition running below historical levels. $360M net cost savings expected in 2026, on track for $850M annualized run rate by Q4.
M&AManagement Execution
positive📊 company
Texas Deposit Marketing Producing Outsized Early Results
Initial $700K household mailing in Texas showed strong response rates with over half opening checking alongside savings. Subsequent $6M piece mailing dropped mid-April generating 3x typical response rates at this stage. Expect $1B in deposits across Texas, Arizona, and California from campaign alone. 81 of 150 targeted de novo locations in Texas have LOIs in place.
Geographic ExpansionDemand
positive📊 company
Newline Continues Rapid Scaling With $5.5 Billion In Deposits
Newline revenue up 30% YOY with deposits at $5.5B, up $2.7B from prior year. New marquee client launched payment product built on Newline, joining Stripe and Circle. Direct Express platform launch preparations advancing for Q2.
Innovation & R&DRevenue Growth
positive📊 company
Legacy Fifth Third Delivering Strong Organic Commercial Growth
Legacy FITB C&I loans grew 6% YOY. Manufacturing and construction production strongest, supported by reshoring and infrastructure. Client acquisition more than doubled with 35% fee-led. HELOC #1 origination market share in footprint with average FICO 773 and LTV 64%.
Revenue GrowthDemand
positive📊 company
Early Revenue Synergies Materializing Across Commercial Capabilities
Capital markets completed commodity hedges and ASR for Comerica clients in first 60 days. First Comerica-to-FITB loan win in ABL. Largest-ever pipeline in Comerica's National Dealer Services from FITB referrals. Commercial payments presented managed services to 100+ Comerica clients with 65 qualified leads.
M&ARevenue Growth
positive📊 company
Deliberate Avoidance Of Private Credit And Data Center Concentration Risk
Private credit/BDC exposure less than 1% of total loans. Funded data center exposure less than $100M. NDFI at 7% of portfolio, well below industry average. Less than 10% of loan growth from private equity or private capital versus up to 80% at some peers.
CreditCompetitive Dynamics
negative🌍 macro
Geopolitical Uncertainty And Energy/Commodity Impacts Weighing On Macro Outlook
Evaluating direct impact of tariffs on energy and commodities plus implications for prices, interest rates, and customer activity. Applied qualitative ACL adjustment for elevated energy/commodity costs and broader implications. Baseline assumes unemployment reaching 4.5% in 2027.
the 30 to 89 delinquency numbers, even though low. When you look at the commercial and industrial going to 38 basis points of the CRE going up, any -- is it -- anything there
I just wanted to clarify that. And then my main question, Tim, when you think about EBA given that it would allow banks to hold less capital against higher quality loans
what would you like to see there on the liquidity side? And is there something that you want to see that would cause you to manage your liquidity differently
what's incremental in the last 3 months or since your last presentation that you think is maybe going better than expected? Is that any of that higher NII guide due to the expansion in Texas and th...
Fifth Third closed the largest acquisition in its history on February 1, and the Comerica addition drove revenue to $2.9 billion, up 33% year-over-year, with adjusted net income of $734 million, up 38%.
PositiveComerica Acquisition Closed February 1 With Integration On Track For Labor Day Conversion
PositiveTexas Deposit Marketing Producing Outsized Early Results
PositiveNewline Continues Rapid Scaling With $5.5 Billion In Deposits
Analyst challenge ratePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. · all analyzed quarters
16%company-level, not the selected quarter
GAAP revenue YoY +25.8% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
▸How this score was built
Base8Base 8GAAP revenue YoY +25.8% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.+Transcript-2Transcript -2Bank Tier 2 + acquisition distortion: GAAP revenue +25.76% (base 8, ≥15% band) is entirely driven by Comerica closing Feb 1 adding 2 months of revenue. Management explicitly says 'standard year-over-year and sequential comparisons obscure more than they revealed this quarter.' Legacy FITB standalone was delivering mid-to-upper single-digit revenue growth per Q4 guidance (~7% → base 6). Gap = -2 bands.
Share price · trailing year
daily closes, last 12 months — not scoped to the selected quarter · dots mark earnings calls, colored by that quarter’s score
Sources.Tellvest earnings-call sentiment score for Fifth Third Bancorp (FITB), FY2026 Q1: 7/10. Scores: Fifth Third Bancorp’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: FITB daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
Key metric
“adjusted net income was $734 million, up 38%; net charge-offs at 37 basis points, lowest level in 2 years”
+
EPS0EPS 0GAAP EPS -78.87% distorted by $635M merger charges + $83M day-1 ACL build (GAAP $0.15 vs adjusted $0.83). Serial acquirer override: adjusted EPS $0.83 vs prior $0.71 = +16.9%. Adjusted spread: 16.9% - 25.76% = -8.86 percentage points. Operating income cross-check: GAAP OI $207M + ~$635M merger charges ≈ adjusted OI ~$842M vs prior ~$653M = +28.9%. operating income spread: +3.14 percentage points → inside ±5 percentage points. EPS and OI disagree → OI controls.
+
Guidance+1Guidance +1NII range raised from $8.6-8.8B to $8.7-8.8B. Midpoint $8.7B → $8.75B = +0.57% raise <3%. Fee income ceiling lowered and expense floor raised, but primary metric (NII) was raised.
=
Final7
How this score was built
Base8Base 8GAAP revenue YoY +25.8% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.+Transcript-2Transcript -2Bank Tier 2 + acquisition distortion: GAAP revenue +25.76% (base 8, ≥15% band) is entirely driven by Comerica closing Feb 1 adding 2 months of revenue. Management explicitly says 'standard year-over-year and sequential comparisons obscure more than they revealed this quarter.' Legacy FITB standalone was delivering mid-to-upper single-digit revenue growth per Q4 guidance (~7% → base 6). Gap = -2 bands.+EPS0EPS 0GAAP EPS -78.87% distorted by $635M merger charges + $83M day-1 ACL build (GAAP $0.15 vs adjusted $0.83). Serial acquirer override: adjusted EPS $0.83 vs prior $0.71 = +16.9%. Adjusted spread: 16.9% - 25.76% = -8.86 percentage points. Operating income cross-check: GAAP OI $207M + ~$635M merger charges ≈ adjusted OI ~$842M vs prior ~$653M = +28.9%. operating income spread: +3.14 percentage points → inside ±5 percentage points. EPS and OI disagree → OI controls.+Guidance+1Guidance +1NII range raised from $8.6-8.8B to $8.7-8.8B. Midpoint $8.7B → $8.75B = +0.57% raise <3%. Fee income ceiling lowered and expense floor raised, but primary metric (NII) was raised.=Final7
Mentions
Calendar Q1 2026
What FITB said about other companies on its FY2026 Q1 call, and what other companies said about FITB on their calls covering the same calendar quarter (Q1 2026). Each company's own fiscal quarter is shown next to its name. Extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
Fifth Third acquired Comerica and is keeping the wealth-management program in-house, which is why Ameriprise is losing the Comerica relationship; a signal on Fifth Third's Comerica integration.
Circle is cited as a marquee client of Fifth Third's Newline embedded-payments platform, which grew revenue 30% year-over-year.
StripeNot covered by TellvestFY2026 Q1Customer
“marquee clients like Stripe and Circle”
Stripe is cited as a marquee client of Fifth Third's Newline embedded-payments platform, which grew revenue 30% year-over-year.
ComericaNot covered by TellvestFY2026 Q1Acquisition
“The Comerica acquisition closed without tangible book value dilution”
Fifth Third closed its acquisition of Comerica (its largest ever) on February 1 without tangible book value dilution, with integration on track for a Labor Day systems conversion.
Fifth Third closed the largest acquisition in its history on February 1, and the Comerica addition drove revenue to $2.9 billion, up 33% year-over-year, with adjusted net income of $734 million, up 38%
Huntington delivered an outstanding first quarter, with GAAP EPS of $0.25 and adjusted EPS of $0.37, up 9% year-over-year excluding acquisition-related expenses and other notable items
KeyCorp delivered Q1 2026 EPS of $0.44, up 33% year-over-year, with revenue growing 10% and ROTCE exceeding 13% as NIM expanded to 2.87% on track for the 3%+ year-end target
M&T Bank delivered GAAP EPS of $4.13 with NIM expanding 2 basis points to 3.71% as fixed-rate asset repricing continued, while fee income grew 13% year-over-year with broad-based strength and C&I growth reached $1.5 billion driven by middle market utilization pickup
Nu Holdings delivered record quarterly revenue of $5 billion and its highest-ever first-quarter net income of $871 million, up 41% year-over-year on an FX-neutral basis, as the customer base surpassed 135 million
Truist delivered 25% EPS growth to $1.09 with 250 basis points of operating leverage, as investment banking produced its highest quarterly revenue since 2021
Fifth Third closed the largest acquisition in its history on February 1, and the Comerica addition drove revenue to $2.9 billion, up 33% year-over-year, with adjusted net income of $734 million, up 38%
Huntington delivered an outstanding first quarter, with GAAP EPS of $0.25 and adjusted EPS of $0.37, up 9% year-over-year excluding acquisition-related expenses and other notable items
FITB stable · HBAN mixed · MTB mixed · NU improving · RF stable · TFC stable · USB stable
Credit
CFG improving · KEY stable · NU improving · PNC stable · RF improving · TFC stable · USB stable
Labor market
MTB mixed · NU stable
Trade & tariffs
FITB deteriorating · KEY stable
Inflation
PNC stable
Oil & energy
MTB deteriorating
Regulation Policy
CFG improving
KeyCorp delivered Q1 2026 EPS of $0.44, up 33% year-over-year, with revenue growing 10% and ROTCE exceeding 13% as NIM expanded to 2.87% on track for the 3%+ year-end target
M&T Bank delivered GAAP EPS of $4.13 with NIM expanding 2 basis points to 3.71% as fixed-rate asset repricing continued, while fee income grew 13% year-over-year with broad-based strength and C&I growth reached $1.5 billion driven by middle market utilization pickup
Nu Holdings delivered record quarterly revenue of $5 billion and its highest-ever first-quarter net income of $871 million, up 41% year-over-year on an FX-neutral basis, as the customer base surpassed 135 million
Truist delivered 25% EPS growth to $1.09 with 250 basis points of operating leverage, as investment banking produced its highest quarterly revenue since 2021