42.33 USD
-0.09 (-0.21%)
42.35 USD
+0.02 (+0.05%)
Overall FITB gets a fundamental rating of 4 out of 10. We evaluated FITB against 387 industry peers in the Banks industry. FITB has a bad profitability rating. Also its financial health evaluation is rather negative. FITB is not valued too expensively and it also shows a decent growth rate. Finally FITB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FITB was profitable.
In the past year FITB had a positive cash flow from operations.
Each year in the past 5 years FITB has been profitable.
FITB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FITB (1.06%) is better than 67.70% of its industry peers.
The Return On Equity of FITB (10.70%) is better than 70.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.7% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 25.32%, FITB is in line with its industry, outperforming 57.62% of the companies in the same industry.
In the last couple of years the Profit Margin of FITB has declined.
FITB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.32% | ||
| 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
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.
FITB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FITB has been reduced compared to a year ago.
2.2 Solvency
FITB has a debt to FCF ratio of 4.88. This is a neutral value as FITB would need 4.88 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.88, FITB is not doing good in the industry: 70.28% of the companies in the same industry are doing better.
FITB has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITB is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.67, FITB is not doing good in the industry: 82.17% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FITB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.30%.
The Earnings Per Share has been growing slightly by 3.25% on average over the past years.
Looking at the last year, FITB shows a small growth in Revenue. The Revenue has grown by 5.35% in the last year.
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
FITB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.60% yearly.
Based on estimates for the next years, FITB will show a quite strong growth in Revenue. The Revenue will grow by 13.81% on average per year.
EPS Next Y8.93%
EPS Next 2Y7.25%
EPS Next 3Y14.11%
EPS Next 5Y4.6%
Revenue Next Year5.47%
Revenue Next 2Y16.12%
Revenue Next 3Y13.81%
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.
4. Valuation
4.1 Price/Earnings Ratio
FITB is valuated correctly with a Price/Earnings ratio of 12.64.
FITB's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of FITB to the average of the S&P500 Index (25.65), we can say FITB is valued rather cheaply.
A Price/Forward Earnings ratio of 11.32 indicates a reasonable valuation of FITB.
FITB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FITB is more expensive than 62.27% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.45. FITB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FITB is valued a bit cheaper than 68.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.59 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as FITB's earnings are expected to grow with 14.11% in the coming years.
PEG (NY)1.41
PEG (5Y)3.89
EPS Next 2Y7.25%
EPS Next 3Y14.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.88%, FITB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, FITB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FITB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
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 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
5.3 Sustainability
51.13% of the earnings are spent on dividend by FITB. This is a bit on the high side, but may be sustainable.
FITB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP51.13%
EPS Next 2Y7.25%
EPS Next 3Y14.11%
42.33
-0.09 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.49%
Inst Owner Change3.97%
Ins Owners0.45%
Ins Owner Change-0.19%
Market Cap27.98B
Revenue(TTM)8.92B
Net Income(TTM)2.26B
Analysts80.71
Price Target51.7 (22.14%)
Short Float %6.19%
Short Ratio5.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP51.13%
Div Incr Years14
Div Non Decr Years15
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.02%
Min EPS beat(2)-0.53%
Max EPS beat(2)2.57%
EPS beat(4)1
Avg EPS beat(4)-1.01%
Min EPS beat(4)-5.16%
Max EPS beat(4)2.57%
EPS beat(8)4
Avg EPS beat(8)0.46%
EPS beat(12)5
Avg EPS beat(12)0.48%
EPS beat(16)5
Avg EPS beat(16)-1.39%
Revenue beat(2)0
Avg Revenue beat(2)-0.82%
Min Revenue beat(2)-1.03%
Max Revenue beat(2)-0.62%
Revenue beat(4)0
Avg Revenue beat(4)-2.04%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-0.62%
Revenue beat(8)0
Avg Revenue beat(8)-2.27%
Revenue beat(12)0
Avg Revenue beat(12)-2.27%
Revenue beat(16)0
Avg Revenue beat(16)-2.75%
PT rev (1m)3.65%
PT rev (3m)4.94%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-1.48%
EPS NY rev (1m)-0.42%
EPS NY rev (3m)-1.71%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 11.32 | ||
| P/S | 3.14 | ||
| P/FCF | 9.59 | ||
| P/OCF | 8.03 | ||
| P/B | 1.33 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY7.91%
EPS(NY)3.74
Fwd EY8.83%
FCF(TTM)4.42
FCFY10.43%
OCF(TTM)5.27
OCFY12.45%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)1.41
PEG (5Y)3.89
Graham Number49.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 10.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.32% | ||
| GM | N/A | ||
| FCFM | 32.72% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 105.41% | ||
| Cap/Sales | 6.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 129.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC13.61%
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 Y8.93%
EPS Next 2Y7.25%
EPS Next 3Y14.11%
EPS Next 5Y4.6%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
Revenue Next Year5.47%
Revenue Next 2Y16.12%
Revenue Next 3Y13.81%
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-27.15%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-22.75%
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 4 / 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 8.93% 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 51.13%.