All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2026-06-03.
From the record
Fifth Third Bancorp's filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2026-06-03) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10% a year over 10 filed years; profitable in 10 of 10.
From the record
Fifth Third Bancorp's 10 filed years say what it did: revenue went from $4.2 billion in fiscal 2016 to $9.9 billion in fiscal 2025, up 10% a year; it rose in 6 of 9 years; the deepest fall was 17% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 1.1% a year. 40% of cash flow returned. Insiders: 54 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Fifth Third Bancorp's diluted share count shrank about 1.1% a year, and dividends and buybacks returned about 40% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 54 sales (1 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-02 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Fifth Third Bancorp earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count shrank 2.2% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 34% of 155 in its family; net margin 25.5%.
From the record
Fifth Third Bancorp's standing among 155 graded names in its industry family: revenue of $9.9 billion in fiscal 2025 ranks in the top 4% by size; a net margin of 25.5% ranks in the top 31%; revenue growth of 14.6% a year over the last 3 filed years ranks in the bottom 32% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 26% of 150 in its family for leadership; chief executive since 2022.
From the record
Fifth Third Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Spence, Timothy (Chair, CEO & President, as filed), filing under that title since 2022-07-07, 4.4 years (bottom 26% of its family); the 30 officers and directors filing in the last fifteen months have been on the record a median of 4.9 years (bottom 14%); 11 officer or director changes were reported on Form 8-K since 2023-11-13, against the 30 people in charge now (bottom 39%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 48% of 142 in its family for room to expand.
From the record
Fifth Third Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $3.5 billion against debt of $14 billion leaves -4.7% of its assets as net cash, bottom 4% of its family; cash from operations less capital spending is 39.7% of revenue (top 9%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 43% of 152 in its family for growth drivers.
From the record
Fifth Third Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 14.6% a year over the last three filed years against 10% over all 10, speeding up (top 43% of its family); the newest year grew -5% (bottom 6%); capital spending grew 18.8% a year (top 35%) (its annual reports). Fifth Third Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 37% of 150 in its family for expectations against reality.
From the record
Fifth Third Bancorp's newest year against its own record: revenue of $9.9 billion in fiscal 2025 came in 24.5% below the $13 billion its prior three years' pace pointed to (bottom 13% of its family); net income of $2.5 billion against a prior three-year average of $2.4 billion (bottom 38%); a net margin of 25.5% against 27.8% before (top 39%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made