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Sentiment · FY2026 Q2
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Ebrahim Poonawala | Bank of America | 13 (38%) |
| Mike Mayo | Wells Fargo | 13 (54%) |
| Manan Gosalia | Morgan Stanley | 12 (0%) |
| Gerard Cassidy | RBC Capital Markets | 10 (20%) |
| Erika Najarian | UBS | 10 (10%) |
| Scott Siefers | Piper Sandler | 10 (0%) |
| Chris McGratty | KBW | 7 (0%) |
| Ken Usdin | Autonomous Research | 7 (0%) |
| Peter Winter | D.A. Davidson | 6 (33%) |
| John Pancari | Evercore ISI | 6 (17%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| RBC Capital Markets | 2 | 14 (21%) |
| Bank of America | 1 | 13 (38%) |
| Wells Fargo | 1 | 13 (54%) |
| Morgan Stanley |
| 1 |
| 12 (0%) |
| UBS | 1 | 10 (10%) |
| Piper Sandler | 1 | 10 (0%) |
| KBW | 2 | 8 (0%) |
| Autonomous Research | 1 | 7 (0%) |
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.
M&A | Margin | Demand | Credit | Revenue Growth | Competitive Dynamics | Regulation Policy | Capital Allocation | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 1 | 3 | 6 | 2 | 5 | 3 | 2 | 3 |
| 2025Q1 | 1 | 3 | 2 | 5 | 2 | 1 | 2 | 1 |
| 2025Q2 | 1 | 2 | 3 | 2 | 2 | 4 | 2 | 2 |
| 2025Q3 | 10 | 3 | 1 | 4 | 2 | 1 | 2 | |
| 2025Q4 | 7 | 5 | 2 | 3 | 1 | 2 | ||
| 2026Q1 | 8 | 4 | 3 | 4 | 2 | 4 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| M&A | 1 | 1 | 1 | 10 | 7 | 8 |
| Margin | 3 | 3 | 2 | 3 | 5 | 4 |
| Demand | 6 | 2 | 3 | 1 | 2 | 3 |
| Credit | 2 | 5 | 2 | 4 | 4 | |
| Revenue Growth | 5 | 2 | 2 | 2 | 3 | 2 |
| Competitive Dynamics | 3 | 1 | 4 | 1 | 1 | 4 |
| Regulation Policy | 2 | 2 | 2 | 2 | 2 | |
| Capital Allocation | 3 | 1 | 2 | 2 | 1 |
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $3.23B | -1.9% | $0.85 | +18.1% | 23.7% | 19.2% |
| FY2025 Q1 | $3.08B | -5.9% | $0.71 | +1.4% | 21.2% | 16.7% |
| FY2025 Q2 | $3.21B | -1.4% | $0.88 | +8.6% | 25.2% | 19.6% |
| FY2025 Q3 |
| $3.30B |
| -0.3% |
| $0.91 |
| +16.7% |
| 25.4% |
| 19.7% |
| FY2025 Q4 | $3.28B | +1.4% | $1.04 | +22.4% | 27.8% | 22.3% |
| FY2026 Q1 | $3.87B | +25.8% | $0.15 | -78.9% | 5.4% | 4.3% |
| FY2026 Q2 | $4.43B | +38.0% | $0.83 | -5.7% | 23.4% | 18.1% |
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).
What FITB and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“Fifth Third has taken over the activity.”
Fifth Third acquired Comerica and is keeping the wealth-management program in-house, which is why Ameriprise is losing the Comerica relationship; a read-through on Fifth Third's Comerica integration.
“marquee clients like Stripe and Circle”
Circle is cited as a marquee client of Fifth Third's Newline embedded-payments platform, which grew revenue 30% year-over-year.
“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.
“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.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
FITB Fifth Third Bancorp | 7 | +25.8% | |
| CFG Citizens Financial Group | 8 | +4.5% | |
| HBAN Huntington Bancshares | 7 | +26.3% | |
| KEY KeyCorp | 9 | +1.1% | |
| MTB M&T Bank | 7 | +1.7% | |
| PNC PNC Financial Services | 8 | +12.7% | |
| RF Regions Financial Corporation | 6 | +0.5% | |
| TFC Truist Financial | 6 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |