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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

NASDAQ:FITB - US3167731005 - Common Stock

44.36 USD
-0.43 (-0.96%)
Last: 8/25/2025, 8:19:56 PM
44.26 USD
-0.1 (-0.23%)
Pre-Market: 8/26/2025, 6:36:30 AM
Fundamental Rating

3

Taking everything into account, FITB scores 3 out of 10 in our fundamental rating. FITB was compared to 393 industry peers in the Banks industry. FITB may be in some trouble as it scores bad on both profitability and health. FITB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FITB had positive earnings in the past year.
In the past year FITB had a positive cash flow from operations.
Each year in the past 5 years FITB has been profitable.
In the past 5 years FITB always reported a positive cash flow from operatings.
FITB Yearly Net Income VS EBIT VS OCF VS FCFFITB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

The Return On Assets of FITB (1.04%) is better than 68.96% of its industry peers.
With a decent Return On Equity value of 10.33%, FITB is doing good in the industry, outperforming 70.48% of the companies in the same industry.
Industry RankSector Rank
ROA 1.04%
ROE 10.33%
ROIC N/A
ROA(3y)1.06%
ROA(5y)1.01%
ROE(3y)11.98%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
FITB Yearly ROA, ROE, ROICFITB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FITB's Profit Margin of 24.94% is in line compared to the rest of the industry. FITB outperforms 58.52% of its industry peers.
FITB's Profit Margin has declined in the last couple of years.
FITB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
FITB Yearly Profit, Operating, Gross MarginsFITB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

FITB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FITB has less shares outstanding
FITB has less shares outstanding than it did 5 years ago.
FITB has a better debt/assets ratio than last year.
FITB Yearly Shares OutstandingFITB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FITB Yearly Total Debt VS Total AssetsFITB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

The Debt to FCF ratio of FITB is 4.78, which is a neutral value as it means it would take FITB, 4.78 years of fcf income to pay off all of its debts.
FITB's Debt to FCF ratio of 4.78 is on the low side compared to the rest of the industry. FITB is outperformed by 66.92% of its industry peers.
A Debt/Equity ratio of 0.86 indicates that FITB is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.86, FITB is not doing good in the industry: 83.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 4.78
Altman-Z N/A
ROIC/WACCN/A
WACC13.69%
FITB Yearly LT Debt VS Equity VS FCFFITB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FITB Yearly Current Assets VS Current LiabilitesFITB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

FITB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.80%.
Measured over the past 5 years, FITB shows a small growth in Earnings Per Share. The EPS has been growing by 3.25% on average per year.
FITB shows a small growth in Revenue. In the last year, the Revenue has grown by 3.10%.
FITB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.35% yearly.
EPS 1Y (TTM)-3.8%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%8.64%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%8.07%

3.2 Future

The Earnings Per Share is expected to grow by 4.13% on average over the next years.
Based on estimates for the next years, FITB will show a small growth in Revenue. The Revenue will grow by 4.75% on average per year.
EPS Next Y10.83%
EPS Next 2Y12.42%
EPS Next 3Y12.27%
EPS Next 5Y4.13%
Revenue Next Year4.9%
Revenue Next 2Y4.81%
Revenue Next 3Y4.75%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FITB Yearly Revenue VS EstimatesFITB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
FITB Yearly EPS VS EstimatesFITB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.48, FITB is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of FITB is on the same level as its industry peers.
FITB is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
FITB is valuated reasonably with a Price/Forward Earnings ratio of 10.80.
FITB's Price/Forward Earnings is on the same level as the industry average.
FITB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
Industry RankSector Rank
PE 13.48
Fwd PE 10.8
FITB Price Earnings VS Forward Price EarningsFITB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FITB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FITB is cheaper than 83.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.77
EV/EBITDA N/A
FITB Per share dataFITB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

FITB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FITB's earnings are expected to grow with 12.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.25
PEG (5Y)4.15
EPS Next 2Y12.42%
EPS Next 3Y12.27%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.45%, FITB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, FITB pays a bit more dividend than its industry peers.
FITB's Dividend Yield is a higher than the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.45%

5.2 History

The dividend of FITB is nicely growing with an annual growth rate of 9.40%!
FITB has been paying a dividend for at least 10 years, so it has a reliable track record.
FITB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.4%
Div Incr Years14
Div Non Decr Years15
FITB Yearly Dividends per shareFITB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

54.51% of the earnings are spent on dividend by FITB. This is a bit on the high side, but may be sustainable.
The dividend of FITB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.51%
EPS Next 2Y12.42%
EPS Next 3Y12.27%
FITB Yearly Income VS Free CF VS DividendFITB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
FITB Dividend Payout.FITB Dividend Payout, showing the Payout Ratio.FITB Dividend Payout.PayoutRetained Earnings

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FIFTH THIRD BANCORP

NASDAQ:FITB (8/25/2025, 8:19:56 PM)

Premarket: 44.26 -0.1 (-0.23%)

44.36

-0.43 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/bmo
Earnings (Next)10-17 2025-10-17/bmo
Inst Owners86.39%
Inst Owner Change-1.92%
Ins Owners0.45%
Ins Owner Change0.34%
Market Cap29.36B
Analysts80
Price Target49.27 (11.07%)
Short Float %3.88%
Short Ratio4.85
Dividend
Industry RankSector Rank
Dividend Yield 3.45%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP54.51%
Div Incr Years14
Div Non Decr Years15
Ex-Date06-30 2025-06-30 (0.37)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.72%
Min EPS beat(2)-0.9%
Max EPS beat(2)-0.53%
EPS beat(4)1
Avg EPS beat(4)-1.57%
Min EPS beat(4)-5.16%
Max EPS beat(4)0.31%
EPS beat(8)4
Avg EPS beat(8)1.21%
EPS beat(12)4
Avg EPS beat(12)-0.46%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-1.76%
Min Revenue beat(2)-2.91%
Max Revenue beat(2)-0.62%
Revenue beat(4)0
Avg Revenue beat(4)-2.55%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-0.62%
Revenue beat(8)0
Avg Revenue beat(8)-2.33%
Revenue beat(12)0
Avg Revenue beat(12)-2.48%
Revenue beat(16)1
Avg Revenue beat(16)-2.68%
PT rev (1m)2.88%
PT rev (3m)9.67%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-3.42%
EPS NY rev (1m)0.39%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-1.36%
Revenue NY rev (1m)0.22%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 13.48
Fwd PE 10.8
P/S 3.35
P/FCF 7.77
P/OCF 6.83
P/B 1.39
P/tB 2.02
EV/EBITDA N/A
EPS(TTM)3.29
EY7.42%
EPS(NY)4.11
Fwd EY9.26%
FCF(TTM)5.71
FCFY12.87%
OCF(TTM)6.49
OCFY14.64%
SpS13.22
BVpS31.91
TBVpS21.91
PEG (NY)1.25
PEG (5Y)4.15
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 10.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.94%
GM N/A
FCFM 43.19%
ROA(3y)1.06%
ROA(5y)1.01%
ROE(3y)11.98%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 4.78
Debt/EBITDA N/A
Cap/Depr 99.62%
Cap/Sales 5.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 173.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.69%
ROIC/WACCN/A
Cap/Depr(3y)108%
Cap/Depr(5y)118.53%
Cap/Sales(3y)5.84%
Cap/Sales(5y)6.17%
Profit Quality(3y)181.46%
Profit Quality(5y)124.36%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.8%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%8.64%
EPS Next Y10.83%
EPS Next 2Y12.42%
EPS Next 3Y12.27%
EPS Next 5Y4.13%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%8.07%
Revenue Next Year4.9%
Revenue Next 2Y4.81%
Revenue Next 3Y4.75%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-3.61%
EBIT Next 3Y6.48%
EBIT Next 5YN/A
FCF growth 1Y-25.68%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-23.03%
OCF growth 3Y1.46%
OCF growth 5Y9.14%