| FITB |
Report |
Adjusted EPS |
BEAT |
pred ~$1.02 vs. cons $0.98 |
MEDIUM |
| FITB |
Report |
Net interest income |
IN-LINE |
pred ~$2.24B vs. cons $2.23B |
HIGH |
| FITB |
Report |
Net charge-off ratio |
BEAT |
pred ~30 bps vs. cons 32.5 bps |
HIGH |
| FITB |
Guide |
Net interest income |
BETTER |
guide ~$8.85B vs. cons $8.78B (FY2026) |
MEDIUM |
| FITB |
Guide |
Adjusted noninterest expense |
LOWER |
guide ~$7.23B vs. cons $7.25B (FY2026) |
MEDIUM |
| FITB |
Guide |
Net charge-off ratio |
LOWER |
guide ~32.5 bps vs. cons 35 bps (FY2026) |
MEDIUM |
| FITB |
Guide |
Net interest margin exit rate |
UNCHANGED |
guide ~3.40% vs. cons 3.40% (4Q26 exit) |
HIGH |
| FITB |
Guide |
Comerica cost-synergy run rate |
UNCHANGED |
guide ~$850M vs. cons $850M (4Q26 annualized) |
HIGH |
| FITB |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.6% |
— |
MEDIUM |
| FITB |
Return |
5-day cumulative residual |
+2.2% (FOLLOW-THROUGH) |
Modest report upside is partly preannounced, but higher FY2026 NII, lower credit costs, and preserved $850M synergy math should lift out-period EPS estimates and support additional gains after day 1. |
MEDIUM |