Usdin said that the company's fourth-quarter guidance "calls for: 1) $890mm of net interest income (worse than expected), 2) NIM compression, 3) $710mm in fees (better than expected), 4) $970mm-$975mm in expenses (worse than expected), and 5) $150mm in charge-offs (better than expected)." In sum, the guidance calls for fourth-quarter pre-provision earnings of about $617 million, which is ahead of Usdin's estimate of $594 million. Fifth Third Bancorp's shares returned 21% year-to-date, through Wednesday's close at $15.13. The shares trade for 1.3 times their reported Sept. 30 tangible book value of $12.12, and for 10.5 times the consensus 2013 EPS estimate of $1.59. Based on a quarterly payout of f10 cents, the shares have a dividend yield of 2.64%. FITB data by YCharts > Interested in more on Fifth Third Bancorp? See TheStreet Ratings' report card for this stock.