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Jun 30, 2025
Fifth Third Q2 2025 Earnings Report
Fifth Third reported strong profitability and loan growth in Q2 2025.
Key Takeaways
Fifth Third Bancorp delivered solid Q2 2025 results with higher EPS, strong loan growth, and improved efficiency driven by net interest margin expansion.
EPS increased to $0.88, with adjusted EPS at $0.90
Net interest margin expanded for the sixth consecutive quarter to 3.12%
CET1 capital ratio improved to 10.56% driven by profitability
Efficiency ratio improved to 56.2% amid disciplined expense management
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Fifth Third expects continued stable returns supported by diversified loan growth and strategic investments.
Positive Outlook
- Continued net interest margin expansion
- Strong loan growth expected to persist
- CET1 capital expected to remain strong
- Expense management focus to maintain efficiency
- Diversified revenue streams provide resilience
Challenges Ahead
- Potential credit quality normalization
- Market rate pressure on floating rate assets
- Slower deposit growth may impact funding mix
- Commercial banking revenue under pressure
- Macroeconomic volatility may affect loan demand
Historical Earnings Impact
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Avg. Return Before/After Earnings
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