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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

USA - NASDAQ:FITB - US3167731005 - Common Stock

41.62 USD
-0.33 (-0.79%)
Last: 10/31/2025, 8:00:01 PM
41.63 USD
+0.01 (+0.02%)
After Hours: 10/31/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, FITB scores 4 out of 10 in our fundamental rating. FITB was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of FITB have multiple concerns. FITB has a correct valuation and a medium growth rate. Finally FITB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FITB was profitable.
FITB had a positive operating cash flow in the past year.
In the past 5 years FITB has always been profitable.
FITB had a positive operating cash flow in each of the past 5 years.
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 68.21% of its industry peers.
Looking at the Return On Equity, with a value of 10.33%, FITB is in the better half of the industry, outperforming 68.72% 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

With a Profit Margin value of 24.94%, FITB perfoms like the industry average, outperforming 57.69% of the companies in the same industry.
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.
The number of shares outstanding for FITB has been reduced compared to 1 year ago.
The number of shares outstanding for FITB has been reduced compared to 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 has a Debt to FCF ratio of 4.78. This is in the lower half of the industry: FITB underperforms 66.67% of its industry peers.
FITB has a Debt/Equity ratio of 0.86. This is a neutral value indicating FITB is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.86, FITB is doing worse than 83.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 4.78
Altman-Z N/A
ROIC/WACCN/A
WACC13.79%
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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5

3. Growth

3.1 Past

The earnings per share for FITB have decreased by -0.30% in the last year.
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 5.35%.
The Revenue has been growing slightly by 0.35% on average over the past years.
EPS 1Y (TTM)-0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%7.06%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%

3.2 Future

The Earnings Per Share is expected to grow by 4.60% on average over the next years.
The Revenue is expected to grow by 12.64% on average over the next years. This is quite good.
EPS Next Y9.4%
EPS Next 2Y10.79%
EPS Next 3Y14.18%
EPS Next 5Y4.6%
Revenue Next Year5.19%
Revenue Next 2Y13.26%
Revenue Next 3Y12.64%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 12.42, FITB is valued correctly.
FITB's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.10, FITB is valued rather cheaply.
FITB is valuated reasonably with a Price/Forward Earnings ratio of 10.43.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FITB is on the same level as its industry peers.
FITB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
Industry RankSector Rank
PE 12.42
Fwd PE 10.43
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

Based on the Price/Free Cash Flow ratio, FITB is valued cheaply inside the industry as 84.10% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.28
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

The 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 14.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.32
PEG (5Y)3.83
EPS Next 2Y10.79%
EPS Next 3Y14.18%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.80%, FITB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.45, FITB pays a bit more dividend than its industry peers.
FITB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 3.8%

5.2 History

The dividend of FITB is nicely growing with an annual growth rate of 9.40%!
FITB has paid a dividend for at least 10 years, which is a reliable track record.
FITB has not decreased their dividend for at least 10 years, which is a reliable track record.
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

FITB pays out 54.51% of its income as dividend. 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 2Y10.79%
EPS Next 3Y14.18%
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 (10/31/2025, 8:00:01 PM)

After market: 41.63 +0.01 (+0.02%)

41.62

-0.33 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-20 2026-01-20/amc
Inst Owners88.49%
Inst Owner Change-0.05%
Ins Owners0.45%
Ins Owner Change-0.19%
Market Cap27.51B
Revenue(TTM)8.92B
Net Income(TTM)2.18B
Analysts80
Price Target49.88 (19.85%)
Short Float %5.76%
Short Ratio5.69
Dividend
Industry RankSector Rank
Dividend Yield 3.8%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP54.51%
Div Incr Years14
Div Non Decr Years15
Ex-Date09-30 2025-09-30 (0.4)
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)1.03%
PT rev (3m)4.15%
EPS NQ rev (1m)-5.97%
EPS NQ rev (3m)-6.91%
EPS NY rev (1m)-0.82%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.5%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 10.43
P/S 3.14
P/FCF 7.28
P/OCF 6.4
P/B 1.3
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)3.35
EY8.05%
EPS(NY)3.99
Fwd EY9.59%
FCF(TTM)5.72
FCFY13.74%
OCF(TTM)6.5
OCFY15.62%
SpS13.24
BVpS31.96
TBVpS21.94
PEG (NY)1.32
PEG (5Y)3.83
Graham Number49.08
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC13.79%
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)-0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%7.06%
EPS Next Y9.4%
EPS Next 2Y10.79%
EPS Next 3Y14.18%
EPS Next 5Y4.6%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
Revenue Next Year5.19%
Revenue Next 2Y13.26%
Revenue Next 3Y12.64%
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%

FIFTH THIRD BANCORP / FITB FAQ

What is the fundamental rating for FITB stock?

ChartMill assigns a fundamental rating of 4 / 10 to FITB.


What is the valuation status of FIFTH THIRD BANCORP (FITB) stock?

ChartMill assigns a valuation rating of 5 / 10 to FIFTH THIRD BANCORP (FITB). This can be considered as Fairly Valued.


What is the profitability of FITB stock?

FIFTH THIRD BANCORP (FITB) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for FITB stock?

The Earnings per Share (EPS) of FIFTH THIRD BANCORP (FITB) is expected to grow by 9.4% in the next year.


Is the dividend of FIFTH THIRD BANCORP sustainable?

The dividend rating of FIFTH THIRD BANCORP (FITB) is 7 / 10 and the dividend payout ratio is 54.51%.