Subtext

Fifth Third Bancorp FITB

SectorFinancials
Transcripts71
Date range2007-07-19 – 2025-04-17
Calls charted71

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-16-8+0+8+162007 Q22009 Q32012 Q12014 Q22016 Q32018 Q42021 Q12023 Q22007 Q2 · Overall: +5.92007 Q3 · Overall: +3.72007 Q4 · Overall: -3.42008 Q1 · Overall: +0.62008 Q2 · Overall: -8.62008 Q3 · Overall: -3.82008 Q4 · Overall: -12.52009 Q1 · Overall: -6.12009 Q2 · Overall: -5.12009 Q3 · Overall: -4.52009 Q4 · Overall: -3.62010 Q1 · Overall: -2.02010 Q2 · Overall: +1.72010 Q4 · Overall: +2.72011 Q1 · Overall: +2.32011 Q2 · Overall: -0.22011 Q3 · Overall: +0.52011 Q4 · Overall: +0.92012 Q1 · Overall: +2.32012 Q2 · Overall: +4.02012 Q3 · Overall: +2.02012 Q4 · Overall: +7.72013 Q1 · Overall: +8.72013 Q2 · Overall: +5.12013 Q3 · Overall: +3.32013 Q4 · Overall: +6.82014 Q1 · Overall: +1.42014 Q2 · Overall: +4.82014 Q3 · Overall: +6.22014 Q4 · Overall: +5.42015 Q1 · Overall: +6.82015 Q2 · Overall: +11.02015 Q3 · Overall: +6.02015 Q4 · Overall: +5.62016 Q1 · Overall: +3.62016 Q2 · Overall: +9.12016 Q3 · Overall: +7.32016 Q4 · Overall: +8.22017 Q1 · Overall: +8.42017 Q2 · Overall: +13.32017 Q3 · Overall: +10.92017 Q4 · Overall: +12.32018 Q1 · Overall: +6.92018 Q2 · Overall: +12.82018 Q3 · Overall: +13.92018 Q4 · Overall: +13.52019 Q1 · Overall: +8.32019 Q2 · Overall: +10.52019 Q3 · Overall: +5.92019 Q4 · Overall: +13.92020 Q1 · Overall: -8.72020 Q2 · Overall: +1.82020 Q3 · Overall: +3.12020 Q4 · Overall: +5.82021 Q1 · Overall: +13.32021 Q2 · Overall: +9.82021 Q3 · Overall: +12.52021 Q4 · Overall: +10.02022 Q1 · Overall: +12.12022 Q2 · Overall: +4.62022 Q3 · Overall: +8.82022 Q4 · Overall: +5.82023 Q1 · Overall: +1.02023 Q2 · Overall: +1.02023 Q3 · Overall: +4.02023 Q4 · Overall: +5.92024 Q1 · Overall: +6.62024 Q2 · Overall: +6.32024 Q3 · Overall: +5.82024 Q4 · Overall: +8.82025 Q1 · Overall: +2.4
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-48-24+0+24+482007 Q22009 Q32012 Q12014 Q22016 Q32018 Q42021 Q12023 Q22007 Q2 · CEO: +22.72007 Q3 · CEO: +9.02007 Q4 · CEO: +7.82008 Q1 · CEO: +24.42008 Q2 · CEO: +6.22008 Q3 · CEO: +2.62008 Q4 · CEO: -11.72009 Q1 · CEO: +0.02009 Q2 · CEO: +3.62009 Q3 · CEO: +3.12009 Q4 · CEO: +9.82010 Q1 · CEO: +20.92010 Q2 · CEO: +10.12010 Q4 · CEO: +16.82011 Q1 · CEO: +2.82011 Q2 · CEO: +8.82011 Q3 · CEO: +8.22011 Q4 · CEO: +10.82012 Q1 · CEO: +16.12012 Q2 · CEO: +27.12012 Q3 · CEO: +14.32012 Q4 · CEO: +29.62013 Q1 · CEO: +22.52013 Q2 · CEO: +16.72013 Q3 · CEO: +13.42013 Q4 · CEO: +20.92014 Q1 · CEO: +2.72014 Q2 · CEO: +21.72014 Q3 · CEO: +16.32014 Q4 · CEO: +15.82015 Q1 · CEO: +15.72015 Q2 · CEO: +22.82015 Q4 · CEO: +16.62016 Q1 · CEO: +15.72016 Q2 · CEO: +9.02016 Q3 · CEO: +16.82016 Q4 · CEO: +22.92017 Q1 · CEO: +21.72017 Q2 · CEO: +23.32017 Q3 · CEO: +20.62017 Q4 · CEO: +24.32018 Q1 · CEO: +20.02018 Q2 · CEO: +23.42018 Q3 · CEO: +29.32018 Q4 · CEO: +32.52019 Q1 · CEO: +33.82019 Q2 · CEO: +26.62019 Q3 · CEO: +19.92019 Q4 · CEO: +41.72020 Q1 · CEO: -1.82020 Q2 · CEO: +15.12020 Q3 · CEO: +18.22020 Q4 · CEO: +18.82021 Q1 · CEO: +33.72021 Q2 · CEO: +12.72021 Q4 · CEO: +22.12022 Q1 · CEO: +25.02022 Q2 · CEO: +15.72022 Q3 · CEO: +17.72022 Q4 · CEO: +11.82023 Q2 · CEO: +8.62023 Q3 · CEO: +33.92023 Q4 · CEO: +9.22024 Q4 · CEO: +12.02007 Q2 · CFO: +8.62007 Q3 · CFO: +3.62007 Q4 · CFO: -5.22008 Q1 · CFO: -2.92008 Q2 · CFO: -1.12008 Q3 · CFO: +15.82008 Q4 · CFO: -12.42009 Q1 · CFO: +2.52009 Q2 · CFO: +7.52009 Q3 · CFO: +2.62009 Q4 · CFO: +4.92010 Q1 · CFO: +1.52010 Q2 · CFO: +4.62010 Q4 · CFO: +0.02011 Q1 · CFO: +4.82011 Q2 · CFO: +3.52011 Q3 · CFO: +6.22011 Q4 · CFO: +5.32012 Q1 · CFO: +1.22012 Q2 · CFO: +3.62012 Q3 · CFO: +1.52012 Q4 · CFO: +3.52013 Q1 · CFO: +9.42013 Q2 · CFO: +3.82013 Q3 · CFO: +0.62013 Q4 · CFO: +4.22014 Q1 · CFO: +2.02014 Q2 · CFO: +6.12014 Q3 · CFO: +7.32014 Q4 · CFO: +7.22015 Q2 · CFO: +11.52015 Q4 · CFO: +3.92016 Q2 · CFO: +13.02016 Q3 · CFO: +8.32016 Q4 · CFO: +9.82017 Q1 · CFO: +9.12017 Q2 · CFO: +14.62017 Q3 · CFO: +11.72017 Q4 · CFO: +10.42018 Q1 · CFO: +8.92018 Q2 · CFO: +13.92018 Q3 · CFO: +21.02018 Q4 · CFO: +12.22019 Q1 · CFO: +8.02019 Q2 · CFO: +10.92019 Q3 · CFO: +9.52019 Q4 · CFO: +12.22020 Q1 · CFO: -9.72020 Q2 · CFO: +4.22020 Q3 · CFO: +5.22020 Q4 · CFO: +7.12021 Q1 · CFO: +15.52021 Q2 · CFO: +13.22021 Q3 · CFO: +31.62021 Q4 · CFO: +9.42022 Q1 · CFO: +6.62022 Q2 · CFO: +4.02022 Q3 · CFO: +11.12022 Q4 · CFO: +10.52023 Q1 · CFO: +4.42023 Q2 · CFO: +2.32023 Q3 · CFO: +6.02023 Q4 · CFO: +9.32024 Q1 · CFO: +10.72024 Q2 · CFO: +11.52024 Q3 · CFO: +9.92024 Q4 · CFO: +12.22025 Q1 · CFO: +6.0
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-26-13+0+13+262007 Q22009 Q32012 Q12014 Q22016 Q32018 Q42021 Q12023 Q22007 Q2 · Prepared remarks: +5.72007 Q3 · Prepared remarks: +9.32007 Q4 · Prepared remarks: -3.72008 Q1 · Prepared remarks: +3.82008 Q2 · Prepared remarks: -10.62008 Q3 · Prepared remarks: -4.42008 Q4 · Prepared remarks: -15.52009 Q1 · Prepared remarks: -8.92009 Q2 · Prepared remarks: -3.52009 Q3 · Prepared remarks: -6.12009 Q4 · Prepared remarks: -3.72010 Q1 · Prepared remarks: -0.52010 Q2 · Prepared remarks: +0.32010 Q4 · Prepared remarks: +2.42011 Q1 · Prepared remarks: +2.12011 Q2 · Prepared remarks: -0.82011 Q3 · Prepared remarks: +1.42011 Q4 · Prepared remarks: -2.42012 Q1 · Prepared remarks: +3.12012 Q2 · Prepared remarks: +3.52012 Q3 · Prepared remarks: +1.52012 Q4 · Prepared remarks: +6.82013 Q1 · Prepared remarks: +9.72013 Q2 · Prepared remarks: +4.12013 Q3 · Prepared remarks: +2.42013 Q4 · Prepared remarks: +7.12014 Q1 · Prepared remarks: -0.62014 Q2 · Prepared remarks: +6.92014 Q3 · Prepared remarks: +9.42014 Q4 · Prepared remarks: +6.52015 Q1 · Prepared remarks: +8.82015 Q2 · Prepared remarks: +13.72015 Q3 · Prepared remarks: +5.32015 Q4 · Prepared remarks: +6.32016 Q1 · Prepared remarks: +0.72016 Q2 · Prepared remarks: +9.72016 Q3 · Prepared remarks: +11.62016 Q4 · Prepared remarks: +12.02017 Q1 · Prepared remarks: +7.82017 Q2 · Prepared remarks: +20.02017 Q3 · Prepared remarks: +14.32017 Q4 · Prepared remarks: +15.62018 Q1 · Prepared remarks: +11.52018 Q2 · Prepared remarks: +15.52018 Q3 · Prepared remarks: +22.82018 Q4 · Prepared remarks: +21.92019 Q1 · Prepared remarks: +14.22019 Q2 · Prepared remarks: +14.82019 Q3 · Prepared remarks: +17.22019 Q4 · Prepared remarks: +16.62020 Q1 · Prepared remarks: -7.72020 Q2 · Prepared remarks: +1.92020 Q3 · Prepared remarks: +12.12020 Q4 · Prepared remarks: +15.32021 Q1 · Prepared remarks: +15.02021 Q2 · Prepared remarks: +18.92021 Q3 · Prepared remarks: +15.82021 Q4 · Prepared remarks: +12.42022 Q1 · Prepared remarks: +17.62022 Q2 · Prepared remarks: +10.92022 Q3 · Prepared remarks: +15.32022 Q4 · Prepared remarks: +17.92023 Q1 · Prepared remarks: +5.92023 Q2 · Prepared remarks: +7.32023 Q3 · Prepared remarks: +12.62023 Q4 · Prepared remarks: +9.42024 Q1 · Prepared remarks: +13.42024 Q2 · Prepared remarks: +20.02024 Q3 · Prepared remarks: +14.62024 Q4 · Prepared remarks: +16.52025 Q1 · Prepared remarks: +15.22007 Q2 · Q&A responses: +11.72007 Q3 · Q&A responses: -6.72007 Q4 · Q&A responses: +3.92008 Q1 · Q&A responses: +2.52008 Q2 · Q&A responses: -0.62008 Q3 · Q&A responses: +3.52008 Q4 · Q&A responses: +3.52009 Q1 · Q&A responses: +6.22009 Q2 · Q&A responses: -6.42009 Q3 · Q&A responses: +0.42009 Q4 · Q&A responses: +1.12010 Q1 · Q&A responses: +0.52010 Q2 · Q&A responses: +6.12010 Q4 · Q&A responses: +11.62011 Q1 · Q&A responses: +8.12011 Q2 · Q&A responses: +7.22011 Q3 · Q&A responses: +2.62011 Q4 · Q&A responses: +10.12012 Q1 · Q&A responses: +2.72012 Q2 · Q&A responses: +7.72012 Q3 · Q&A responses: +4.82012 Q4 · Q&A responses: +12.02013 Q1 · Q&A responses: +12.52013 Q2 · Q&A responses: +8.42013 Q3 · Q&A responses: +8.82013 Q4 · Q&A responses: +8.82014 Q1 · Q&A responses: +4.62014 Q2 · Q&A responses: +8.52014 Q3 · Q&A responses: +8.42014 Q4 · Q&A responses: +9.12015 Q1 · Q&A responses: +12.32015 Q2 · Q&A responses: +15.62015 Q3 · Q&A responses: +12.72015 Q4 · Q&A responses: +5.02016 Q1 · Q&A responses: +10.32016 Q2 · Q&A responses: +11.72016 Q3 · Q&A responses: +8.12016 Q4 · Q&A responses: +11.02017 Q1 · Q&A responses: +12.52017 Q2 · Q&A responses: +13.92017 Q3 · Q&A responses: +10.12017 Q4 · Q&A responses: +10.32018 Q1 · Q&A responses: +3.42018 Q2 · Q&A responses: +14.42018 Q3 · Q&A responses: +15.72018 Q4 · Q&A responses: +11.52019 Q1 · Q&A responses: +8.22019 Q2 · Q&A responses: +10.02019 Q3 · Q&A responses: +3.32019 Q4 · Q&A responses: +12.92020 Q1 · Q&A responses: -5.72020 Q2 · Q&A responses: +9.72020 Q3 · Q&A responses: -3.72020 Q4 · Q&A responses: +4.82021 Q1 · Q&A responses: -1.42021 Q2 · Q&A responses: +5.52021 Q3 · Q&A responses: +15.52021 Q4 · Q&A responses: +12.42022 Q1 · Q&A responses: +12.72022 Q2 · Q&A responses: +0.92022 Q3 · Q&A responses: +8.82022 Q4 · Q&A responses: +2.62023 Q1 · Q&A responses: +1.42023 Q2 · Q&A responses: +0.32023 Q3 · Q&A responses: +1.92023 Q4 · Q&A responses: +5.12024 Q1 · Q&A responses: +5.72024 Q2 · Q&A responses: -0.22024 Q3 · Q&A responses: +4.62024 Q4 · Q&A responses: +7.42025 Q1 · Q&A responses: -1.4
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$1.43$2.82$4.202007 Q22009 Q32012 Q12014 Q22016 Q32018 Q42021 Q12023 Q22014 Q1: $1.802014 Q2: $1.782014 Q3: $1.792014 Q4: $1.732015 Q1: $1.682015 Q2: $1.732015 Q3: $1.742015 Q4: $1.732016 Q1: $1.622016 Q2: $1.652016 Q3: $1.662016 Q4: $1.752017 Q1: $1.832017 Q2: $1.892017 Q3: $2.002017 Q4: $2.032018 Q1: $2.422018 Q2: $2.732018 Q3: $2.672018 Q4: $2.742019 Q1: $2.862019 Q2: $2.972019 Q3: $2.982019 Q4: $2.962020 Q1: $2.872020 Q2: $1.752020 Q3: $1.762020 Q4: $2.262021 Q1: $2.932021 Q2: $3.312021 Q3: $3.352021 Q4: $3.332022 Q1: $3.542022 Q2: $3.902022 Q3: $4.012022 Q4: $3.962023 Q1: $3.822023 Q2: $3.372023 Q3: $3.172023 Q4: $3.192024 Q1: $3.262024 Q2: $3.422024 Q3: $3.512024 Q4: $3.65

Forward P/E

3.179.7316.282007 Q22009 Q32012 Q12014 Q22016 Q32018 Q42021 Q12023 Q22014 Q1: 12.652014 Q2: 12.042014 Q3: 11.602014 Q4: 11.332015 Q1: 11.462015 Q2: 12.152015 Q3: 11.542015 Q4: 12.042016 Q1: 10.382016 Q2: 10.962016 Q3: 12.252016 Q4: 15.382017 Q1: 14.472017 Q2: 13.532017 Q3: 13.202017 Q4: 14.752018 Q1: 13.892018 Q2: 11.412018 Q3: 11.042018 Q4: 8.322019 Q1: 9.782019 Q2: 9.192019 Q3: 9.502019 Q4: 10.542020 Q1: 4.072020 Q2: 12.272020 Q3: 12.532020 Q4: 12.062021 Q1: 13.182021 Q2: 12.252021 Q3: 12.002021 Q4: 13.042022 Q1: 13.432022 Q2: 8.912022 Q3: 8.732022 Q4: 8.152023 Q1: 6.652023 Q2: 7.702023 Q3: 8.592023 Q4: 10.142024 Q1: 11.102024 Q2: 10.522024 Q3: 12.152024 Q4: 11.67

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2014 Q2 tone ↑ +3.4 fwd EPS ↓ -0.02 Tone rose while the forward EPS estimate was cut.
  • 2015 Q3 tone ↓ -5.0 fwd EPS ↑ +0.02 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q3 tone ↓ -2.4 fwd EPS ↑ +0.11 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q1 tone ↓ -5.4 fwd EPS ↑ +0.39 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q1 tone ↓ -5.3 fwd EPS ↑ +0.12 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q2 tone ↑ +10.5 fwd EPS ↓ -1.12 Tone rose while the forward EPS estimate was cut.
  • 2021 Q2 tone ↓ -3.5 fwd EPS ↑ +0.38 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q2 tone ↓ -7.5 fwd EPS ↑ +0.36 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q3 tone ↑ +3.0 fwd EPS ↓ -0.20 Tone rose while the forward EPS estimate was cut.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-04-17+2.4——View →
2024 Q42025-01-21+8.8$3.6511.7View →
2024 Q32024-10-18+5.8$3.5112.2View →
2024 Q22024-07-19+6.3$3.4210.5View →
2024 Q12024-04-19+6.6$3.2611.1View →
2023 Q42024-01-19+5.9$3.1910.1View →
2023 Q32023-10-19+4.0$3.178.6View →
2023 Q22023-07-20+1.0$3.377.7View →