FITB at a glance
Fifth Third Bancorp (FITB, SEC CIK 35527) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 24, 2026 and Form 4 insider filings as recently as August 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Fifth Third Bancorp (FITB) reported revenue of $9.9 billion (down 5.0% from FY2024) and net income of $2.5 billion. Diluted EPS was $3.53.
- As of June 30, 2026, 45 institutional investment managers tracked by SignalX reported holding Fifth Third Bancorp (FITB) shares worth $25.4 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $9.9B
- −5.0% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 45 funds
- $25.4B · +2 vs prior quarter
- Latest 8-K
- Sep 24, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- GENIUS Act (2025) creates stablecoin regulatory framework, enabling new fintech/stablecoin issuer competition directly against Fifth Third's deposit and payments business
- Tariffs and trade policy shifts risk inflation pass-through to borrowers, potentially impairing loan repayment across Fifth Third's Midwest-Southeast footprint
- Comerica Merger integration exposes Fifth Third to Category III regulatory reclassification, triggering higher supervisory standards not previously applicable to the bank
- Core deposits funded 77% of average total assets in 2025; deposit outflows to alternative investments or competitors could force reliance on costlier wholesale funding
- Real-time payments networks (RTP®, FedNow®) reduce float income and increase fraud exposure due to irreversibility of instantaneous transactions
Business Overview
- Diversified regional bank ($214B assets) operating Commercial Banking, Consumer/Small Business Banking, and Wealth & Asset Management across 12 states
- Pending Comerica acquisition will push assets above $250B threshold, triggering Category III regulatory classification by end of 2026
- $690B total assets under care with $80B managed assets; trust/investment advisory businesses key to Wealth segment scale
- Employee headcount marginally up to 18,676 (from 18,616); full-year turnover ticked slightly higher to 16.4% vs 16.2%
- 550,000+ hours of discretionary employee learning in 2025, including new generative AI training: notable cultural investment signal
Management Discussion & Analysis
- Total revenue (FTE) $9.0B, up 6% YoY ($8.5B in 2024); net interest income $6.0B FTE up $348M, noninterest income $3.0B up $186M
- Efficiency ratio 56.9% vs 59.2%; net interest margin 3.11% vs 2.90%; return on average assets 1.19% vs 1.09%; effective tax rate 21.4% vs 20.6%
- Best segment: Wealth & Asset Management, pre-tax income $252M vs $227M (+11%); worst: Commercial Banking, pre-tax income $1.3B vs $1.8B, hit by $178M fraud-related charge-off
- Capital allocation: $525M common stock buybacks via accelerated repurchase; $1.54 dividend per share declared; CET1 ratio 10.81%; total borrowings reduced $4.5B (24%) YoY
- Key forward risk: $12.7B all-stock Comerica merger closed Feb 1, 2026; integration execution, tariff/trade policy impacts, and rising provision ($662M vs $530M) signal credit stress ahead
AI summary of the FITB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- $500 million senior notes redeemed November 1, 2026, one year before November 1, 2027 maturity
- Cash payment includes principal plus accrued interest through October 31, 2026
Item 8.01: Other Events
- Exchange offer expired September 22, 2026 for all outstanding restricted senior notes
- Eligible holders could exchange restricted notes for equal-principal new notes registered under the Securities Act
Item 7.01: Regulation FD Disclosure
- Management presentation scheduled for September 15, 2026, at the Barclays Global Financial Services Conference
- Exhibit 99.1 contains investor presentation materials potentially covering strategy, outlook, and financial priorities
AI summaries of FITB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FITB
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Gibson Kala | M | Aug 4, 2026 | 7,018 | $26.52 |
| Gibson Kala | F | Aug 4, 2026 | 4,821 | $57.77 |
| Gibson Kala | M | Aug 4, 2026 | 7,018 | - |
| Leonard James C. | M | Jul 20, 2026 | 8,772 | - |
| Leonard James C. | F | Jul 20, 2026 | 6,041 | $57.40 |
| Leonard James C. | M | Jul 20, 2026 | 8,772 | $26.52 |
| Leonard James C. | M | Jul 20, 2026 | 8,248 | $29.64 |
| Leonard James C. | F | Jul 20, 2026 | 3,753 | $57.40 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $9.8B | $10.4B | $9.9B |
| Net Income | $2.3B | $2.3B | $2.5B |
| Net Margin | 24.1% | 22.2% | 25.5% |
| Balance Sheet | |||
| Total Assets | - | $212.9B | $214.4B |
| Equity | $19.2B | $19.6B | $21.7B |
| ROE | 12.3% | 11.8% | 11.6% |
| Per Share | |||
| EPS | $3.22 | $3.14 | $3.53 |
| Cash Flow | |||
| Operating CF | $4.5B | $2.8B | $4.5B |
| CapEx | $491.0M | $414.0M | $584.0M |
Source: XBRL data in Fifth Third Bancorp (FITB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FITB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 45 | $25.44B |
| Q1 2026 | 43 | $20.70B |
| Q4 2025 | 43 | $15.54B |
| Q3 2025 | 42 | $15.96B |
| Q2 2025 | 39 | $13.12B |
| Q1 2025 | 37 | $9.05B |
| Q4 2024 | 34 | $7.19B |
| Q3 2024 | 28 | $3.69B |
- Morgan Stanley+4.60M (+19%)
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- State Street Corp+1.03M (+3%)
- Bank of America Corp+754.6K (+4%)
- T. Rowe Price Group−7.05M (-15%)
- Two Sigma Investments−424.9K (-76%)
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- Dimensional Fund Advisors−278.4K (-3%)
- JPMorgan Chase & Co−237.9K (-1%)
- Millennium Management−463.4K
- Blackstone Group−37.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 311 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FITB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 24, 2026 | - | Analysis | - |
| 8-K | Sep 23, 2026 | - | Analysis | - |
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 13F-HR | Aug 5, 2026 | Jun 30, 2026 | - | |
| 4 | Aug 5, 2026 | - | - | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | - | |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 4 | Jul 21, 2026 | - | - | - |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| 8-K | Jun 10, 2026 | - | Analysis | |
| 8-K | Jun 9, 2026 | - | Analysis | |
| 8-K | Jun 3, 2026 | - | Analysis | |
| 8-K | May 22, 2026 | - | Analysis | |
| 8-K | May 8, 2026 | - | Analysis | |
| 10-Q | May 5, 2026 | Mar 31, 2026 | - | |
| 13F-HR | May 1, 2026 | Mar 31, 2026 | - | |
| 4 | Apr 30, 2026 | - | - | - |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 4 | Apr 29, 2026 | - | - | - |
| 8-K | Apr 24, 2026 | - | Analysis | - |
| 4 | Apr 23, 2026 | - | - | - |
| 4 | Apr 23, 2026 | - | - | - |
| 4 | Apr 23, 2026 | - | - | - |
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FITB SEC filings: frequently asked questions
Which institutions hold FITB stock?
As of June 30, 2026, the largest Fifth Third Bancorp (FITB) holders among the 13F filers tracked by SignalX were BlackRock ($4.7 billion), Vanguard Capital Management LLC ($3.3 billion), Vanguard Portfolio Management LLC ($2.7 billion), State Street Corp ($2.4 billion), T. Rowe Price Group ($2.2 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FITB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Fifth Third Bancorp (FITB) reported revenue of $9.9 billion (down 5.0% from FY2024) and net income of $2.5 billion. Diluted EPS was $3.53. The figures come from the XBRL data in the 10-K.
What are the main risks in FITB's latest 10-K?
In the 10-K filed February 24, 2026, Fifth Third Bancorp (FITB) flagged: GENIUS Act (2025) creates stablecoin regulatory framework, enabling new fintech/stablecoin issuer competition directly against Fifth Third's deposit and payments business. Tariffs and trade policy shifts risk inflation pass-through to borrowers, potentially impairing loan repayment across Fifth Third's Midwest-Southeast footprint. (AI summary of the Risk Factors section.)
What did FITB report in its latest 8-K?
Fifth Third Bancorp (FITB) filed an 8-K on September 24, 2026 reporting Item 8.01 (Other Events). $500 million senior notes redeemed November 1, 2026, one year before November 1, 2027 maturity.
What are the latest FITB SEC filings?
Fifth Third Bancorp (FITB) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 24, 2026 and a Form 4 insider filing on August 5, 2026.
What is FITB's SEC CIK number?
Fifth Third Bancorp (FITB)'s SEC Central Index Key (CIK) is 35527. EDGAR lists every FITB filing under that number.
Ask anything about FITB
The research agent reads FITB's filings, financials, insider trades and 13F holders, then answers with sources.