| FITB |
Report |
Adjusted diluted EPS |
BEAT |
pred ~$1.00 vs. cons $0.97 |
MEDIUM |
| FITB |
Report |
FTE net interest income |
IN-LINE |
pred ~$2.24B vs. cons $2.23B |
MEDIUM |
| FITB |
Report |
Adjusted noninterest expense |
BEAT |
pred ~$1.86B vs. cons $1.88B |
HIGH |
| FITB |
Guide |
FY26 FTE net interest income |
UNCHANGED |
guide ~$8.78B vs. cons $8.78B (FY26) |
MEDIUM |
| FITB |
Guide |
FY26 adjusted noninterest expense |
BETTER |
guide ~$7.20B vs. cons $7.24B (FY26) |
MEDIUM |
| FITB |
Guide |
FY26 net charge-off ratio |
BETTER |
guide ~32 bps vs. cons 34 bps (FY26) |
MEDIUM |
| FITB |
Guide |
Annualized Comerica cost-synergy run rate |
UNCHANGED |
guide ~$850M vs. cons $850M (4Q26) |
HIGH |
| FITB |
Guide |
Comerica systems conversion readiness |
UNCHANGED |
guide ~100% on-time readiness vs. cons 100% (3Q26) |
MEDIUM |
| FITB |
Return |
Day-1 residual (stock − beta × S&P 500) |
+1.8% |
— |
MEDIUM |
| FITB |
Return |
5-day cumulative residual |
+0.5% (FADE) |
A modest EPS/expense beat and better credit should produce an initial positive reaction, but management has already preannounced low-end expenses, low-end charge-offs, and slightly better PPNR. With FY26 NII and synergy targets likely reiterated rather than raised, out-period EPS revisions should be limited; the post-print gain likely fades as investors await the Labor Day conversion and 4Q26 synergy unlock. |
MEDIUM |