• Fifth Third Bancorp reported an EPS of $1.04, beating the estimated $1.01, and revenue of $2.34 billion, slightly above the forecast.
• The bank's profit increase was attributed to a rise in interest income, fueled by stronger loan demand.
• Financial stability indicators include a net charge-off rate of 40 basis points and a CET1 ratio of 10.77%.

Fifth Third Bancorp (NASDAQ:FITB) is a regional bank in the United States, offering a variety of financial services such as commercial banking, branch banking, and consumer lending. It competes with other regional banks like PNC Financial Services and KeyCorp. On January 20, 2026, Fifth Third Bancorp reported an earnings per share (EPS) of $1.04, surpassing the estimated $1.01. The company also reported revenue of approximately $2.34 billion, slightly exceeding estimates.

The bank's fourth-quarter profit increased due to a rise in interest income, driven by stronger loan demand. This growth in loan demand contributed to the company's ability to exceed earnings expectations. Fifth Third Bancorp has a strong track record of surpassing earnings estimates, having done so in each of the last four quarters with an average surprise of 4.52%.

Fifth Third Bancorp's financial stability is evident in its net charge-offs, recorded at 40 basis points, with commercial net charge-offs at 27 basis points. The loan-to-core deposit ratio stood at 72%, and demand deposits grew by 4% year-over-year. The company's strong profitability led to an increase in the Common Equity Tier 1 (CET1) ratio by 20 basis points, reaching 10.77%.

The bank's valuation metrics include a price-to-earnings (P/E) ratio of approximately 13.58 and a price-to-sales ratio of about 2.53. The enterprise value to sales ratio is around 3.79, while the enterprise value to operating cash flow ratio is approximately 13.93. These figures provide insight into the market's valuation of the company's earnings, revenue, and cash flow.

Fifth Third Bancorp's earnings yield is about 7.36%, indicating the percentage of each dollar invested in the equity that was earned by the company. The debt-to-equity ratio is approximately 0.90, showing the proportion of debt used to finance the company's assets relative to shareholders' equity. The current ratio is around 0.35, indicating the company's ability to cover its short-term liabilities with its short-term assets.