How does Fifth Third Bank (FITB) make money?

Fifth Third Bank (FITB) generates revenue primarily from Branch Banking, which accounted for 52% of total revenue in TTM through Q2 2026. The company reported $14.9B in revenue and converted 15.8% of it into net profit, equivalent to roughly $2.35B in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Fifth Third Bank (FITB)?

Fifth Third Bank (FITB) reported a gross profit margin of 68.5% in TTM through Q2 2026, equivalent to $10.2B in gross profit on $14.9B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Fifth Third Bank (FITB)?

Fifth Third Bank (FITB) reported an operating profit margin of 20.1% in TTM through Q2 2026, equivalent to $2.99B in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Fifth Third Bank (FITB)?

Fifth Third Bank (FITB) reported a net profit margin of 15.8% in TTM through Q2 2026, equivalent to $2.35B in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Fifth Third Bank (FITB) profitable?

Yes. Fifth Third Bank (FITB) reported $2.35B in net income for TTM through Q2 2026, with a net profit margin of 15.8%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Fifth Third Bank (FITB) invest in research and development?

Fifth Third Bank (FITB) invested $128M in research and development during TTM through Q2 2026, roughly 0.9% of total revenue. R&D spending funds the company's future product pipeline and is expensed in full on the income statement rather than capitalised, which makes the operating margin sensitive to how aggressively management chooses to reinvest in innovation.

How much does Fifth Third Bank (FITB) spend on capital expenditures?

Fifth Third Bank (FITB) spent $191M on capital expenditures (CapEx) during TTM through Q2 2026, roughly 1.3% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Fifth Third Bank (FITB) generate?

Fifth Third Bank (FITB) generated $1.98B in free cash flow during TTM through Q2 2026, a free-cash-flow margin of 13.3%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Fifth Third Bank (FITB)?

Fifth Third Bank (FITB) had an effective tax rate of 21.6% in TTM through Q2 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Fifth Third Bank (FITB)?

Fifth Third Bank (FITB) reports revenue across 2 reportable product segments, led by Branch Banking at 52% of total revenue in TTM through Q2 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Fifth Third Bank Makes Money: 2026 Visual Revenue Map

Fifth Third Bank (FITB) Income Statement Flow — TTM through Q2 2026

Calculated from the four most recent reported quarters, ending June 30, 2026 (reported July 17, 2026).

Fifth Third Bank discloses geographic revenue only in annual filings. to view the full breakdown.

Fifth Third Bank (FITB) Revenue by Product Segment — TTM through Q2 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Fifth Third Bank (FITB), TTM through Q2 2026.
Segment	Revenue (USD)	% of total
Branch Banking	$7.74B	52%
Commercial Banking	$7.14B	48%
Total	$14.9B	100%

Branch Banking$7.74B
Commercial Banking$7.14B
Total$14.9B

Revenue Breakdown — TTM through Q2 2026

In TTM through Q2 2026, Fifth Third Bank (FITB) reports revenue across 2 reportable product segments; the largest segment was Branch Banking at 52%, followed by Commercial Banking (48%).

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