For the quarter ending 2025-09-30, FITB had -$71M decrease in cash & cash equivalents over the period. $886M in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Net income | 649 | 627 | 515 | 620 |
| Provision for credit losses | 197 | 173 | 174 | 179 |
| Depreciation, amortization and accretion | 139 | 138 | 135 | 124 |
| Stock-based compensation expense | 27 | 35 | 73 | 31 |
| Provision for deferred income taxes | 56 | -18 | 5 | 64 |
| Net gains on disposition and impairment of bank premises and equipment and operating lease equipment | - | - | - | 11 |
| Gain on the tra associated with worldpay, inc | - | - | - | 11 |
| Securities gains, net | 15 | 18 | -5 | -12 |
| Msr fair value adjustment | 39 | 50 | 50 | -35 |
| Net gains on sales of loans and fair value adjustments on loans held for sale | 17 | 22 | 13 | 4 |
| Proceeds from sales of loans held for sale | 1,450 | 1,190 | 1,049 | 1,173 |
| Loans originated or purchased for sale, net of repayments | 1,387 | 1,344 | 912 | 1,225 |
| Dividends representing return on equity method investments | 9 | 12 | 10 | 12 |
| Equity and trading debt securities | 2 | 17 | 74 | -72 |
| Other assets | 16 | -84 | -755 | 1,265 |
| Accrued taxes, interest and expenses and other liabilities | -83 | 416 | -539 | 163 |
| Net cash provided by operating activities | 1,046 | 1,306 | 1,233 | -101 |
| Afs securities and other investments | 2,362 | 1,405 | 956 | 339 |
| Loans and leases | 66 | 94 | 79 | 114 |
| Bank premises and equipment | 0 | 0 | 0 | -51 |
| Msrs | - | - | - | 0 |
| Proceeds from repayments / maturities of afs and htm securities and other investments | 1,898 | 1,532 | 1,635 | 1,827 |
| Afs and htm securities, equity method investments and other investments | 2,143 | 4,050 | - | 7,129 |
| Bank premises and equipment | 160 | 143 | 117 | 145 |
| Proceeds from settlement of boli | 7 | 14 | 12 | 9 |
| Proceeds from sales and dividends representing return of equity method investments | 2 | 7 | 4 | 3 |
| Net cash received for divestitures | 0 | 0 | 0 | 0 |
| Afs securities, equity method investments and other investments | - | - | -2,663 | - |
| Net cash paid on acquisitions | 36 | - | - | 0 |
| Other short-term investments | 4,172 | -1,922 | -2,155 | -4,609 |
| Portfolio loans and leases | 1,135 | 475 | 2,594 | 3,363 |
| Operating lease equipment | 53 | 48 | 13 | -83 |
| Net cash used in investing activities | -3,364 | 2,442 | -67 | 1,143 |
| Net change in deposits | 2,362 | -1,298 | -1,747 | -1,088 |
| Net change in federal funds purchased and other short-term borrowings | -14 | -15 | 23 | 1,447 |
| Proceeds from short-term fhlb advances | 2,200 | 1,500 | 1,000 | 4,100 |
| Repayment of short-term fhlb advances | 500 | 3,600 | - | 2,500 |
| Proceeds from long-term debt issuances/advances | 38 | 30 | 998 | 3 |
| Repayment of long-term debt | 898 | 113 | 867 | 2,610 |
| Dividends paid on common and preferred stock | 285 | 284 | 297 | 289 |
| Repurchases of treasury stock and related forward contract | 300 | 0 | 225 | 300 |
| Redemption of preferred stock, series l | 350 | - | - | - |
| Other | -6 | -5 | -56 | -6 |
| Net cash used in financing activities | 2,247 | -3,785 | -1,171 | -1,243 |
| (decrease) increase in cash and due from banks | -71 | -37 | -5 | -201 |
| Cash and cash equivalents at beginning of period | 3,014 | - | - | - |
| Cash and cash equivalents at end of period | 2,901 | - | - | - |
FIFTH THIRD BANCORP (FITB)
FIFTH THIRD BANCORP (FITB)