FIFTH THIRD BANCORP (FITB) Fundamental Analysis & Valuation

NASDAQ:FITB • US3167731005

Current stock price

43.4 USD
-0.19 (-0.44%)
At close:
43.42 USD
+0.02 (+0.05%)
After Hours:

This FITB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FITB Profitability Analysis

1.1 Basic Checks

  • FITB had positive earnings in the past year.
  • FITB had a positive operating cash flow in the past year.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.11%, FITB is in the better half of the industry, outperforming 66.93% of the companies in the same industry.
  • FITB has a Return On Equity of 10.94%. This is in the better half of the industry: FITB outperforms 70.87% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 10.94%
ROIC N/A
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)11.15%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
FITB Yearly ROA, ROE, ROICFITB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • FITB has a Profit Margin (26.35%) which is in line with its industry peers.
  • FITB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FITB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.77%
PM growth 5Y8.78%
GM growth 3YN/A
GM growth 5YN/A
FITB Yearly Profit, Operating, Gross MarginsFITB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. FITB Health Analysis

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
  • The number of shares outstanding for FITB has been reduced compared to 5 years ago.
  • FITB has a worse debt/assets ratio than last year.
FITB Yearly Shares OutstandingFITB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FITB Yearly Total Debt VS Total AssetsFITB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • FITB has a debt to FCF ratio of 3.69. This is a good value and a sign of high solvency as FITB would need 3.69 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 3.69, FITB is not doing good in the industry: 64.83% 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.
  • The Debt to Equity ratio of FITB (0.67) is worse than 81.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.69
Altman-Z N/A
ROIC/WACCN/A
WACC11.86%
FITB Yearly LT Debt VS Equity VS FCFFITB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FITB Growth Analysis

3.1 Past

  • FITB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.77%, which is quite good.
  • The Earnings Per Share has been growing by 11.28% on average over the past years. This is quite good.
  • FITB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.44%.
  • The Revenue has been growing slightly by 3.45% on average over the past years.
EPS 1Y (TTM)10.77%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%29.41%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%7.77%

3.2 Future

  • FITB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.39% yearly.
  • FITB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.75% yearly.
EPS Next Y7.82%
EPS Next 2Y17.8%
EPS Next 3Y14.01%
EPS Next 5Y6.39%
Revenue Next Year40.73%
Revenue Next 2Y23.72%
Revenue Next 3Y16.75%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B
FITB Yearly EPS VS EstimatesFITB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3 4 5

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4

4. FITB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.06, the valuation of FITB can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as FITB.
  • FITB is valuated cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.18, the valuation of FITB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FITB indicates a slightly more expensive valuation: FITB is more expensive than 60.89% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, FITB is valued rather cheaply.
Industry RankSector Rank
PE 12.06
Fwd PE 11.18
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 a bit cheaper when compared to the industry. FITB is cheaper than 65.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.96
EV/EBITDA N/A
FITB Per share dataFITB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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 14.01% in the coming years.
PEG (NY)1.54
PEG (5Y)1.07
EPS Next 2Y17.8%
EPS Next 3Y14.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. FITB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.67%, FITB has a reasonable but not impressive dividend return.
  • FITB's Dividend Yield is a higher than the industry average which is at 2.90.
  • FITB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

  • On average, the dividend of FITB grows each year by 7.68%, which is quite nice.
  • 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)7.68%
Div Incr Years14
Div Non Decr Years15
FITB Yearly Dividends per shareFITB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • FITB pays out 48.95% 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.
DP48.95%
EPS Next 2Y17.8%
EPS Next 3Y14.01%
FITB Yearly Income VS Free CF VS DividendFITB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
FITB Dividend Payout.FITB Dividend Payout, showing the Payout Ratio.FITB Dividend Payout.PayoutRetained Earnings

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FITB Fundamentals: All Metrics, Ratios and Statistics

FIFTH THIRD BANCORP

NASDAQ:FITB (3/13/2026, 8:26:26 PM)

After market: 43.42 +0.02 (+0.05%)

43.4

-0.19 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-17
Inst Owners70.06%
Inst Owner Change5.91%
Ins Owners0.4%
Ins Owner Change8.11%
Market Cap39.14B
Revenue(TTM)9.02B
Net Income(TTM)2.38B
Analysts80.71
Price Target58.38 (34.52%)
Short Float %4.81%
Short Ratio3.38
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend1.75
Dividend Growth(5Y)7.68%
DP48.95%
Div Incr Years14
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.51%
Min EPS beat(2)2.57%
Max EPS beat(2)8.45%
EPS beat(4)2
Avg EPS beat(4)2.4%
Min EPS beat(4)-0.9%
Max EPS beat(4)8.45%
EPS beat(8)4
Avg EPS beat(8)0.17%
EPS beat(12)6
Avg EPS beat(12)1.26%
EPS beat(16)6
Avg EPS beat(16)-0.8%
Revenue beat(2)0
Avg Revenue beat(2)-2.4%
Min Revenue beat(2)-3.78%
Max Revenue beat(2)-1.03%
Revenue beat(4)0
Avg Revenue beat(4)-2.08%
Min Revenue beat(4)-3.78%
Max Revenue beat(4)-0.62%
Revenue beat(8)0
Avg Revenue beat(8)-2.49%
Revenue beat(12)0
Avg Revenue beat(12)-2.36%
Revenue beat(16)0
Avg Revenue beat(16)-2.77%
PT rev (1m)0.51%
PT rev (3m)12.93%
EPS NQ rev (1m)-6.8%
EPS NQ rev (3m)21.16%
EPS NY rev (1m)-3.05%
EPS NY rev (3m)1%
Revenue NQ rev (1m)-1.35%
Revenue NQ rev (3m)24.87%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)7.9%
Valuation
Industry RankSector Rank
PE 12.06
Fwd PE 11.18
P/S 4.34
P/FCF 9.96
P/OCF 8.67
P/B 1.8
P/tB 2.59
EV/EBITDA N/A
EPS(TTM)3.6
EY8.29%
EPS(NY)3.88
Fwd EY8.94%
FCF(TTM)4.36
FCFY10.04%
OCF(TTM)5.01
OCFY11.53%
SpS10
BVpS24.09
TBVpS16.76
PEG (NY)1.54
PEG (5Y)1.07
Graham Number44.17
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 10.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.35%
GM N/A
FCFM 43.58%
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)11.15%
ROE(5y)11.77%
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-1.77%
PM growth 5Y8.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.69
Debt/EBITDA N/A
Cap/Depr 105.42%
Cap/Sales 6.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 165.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.86%
ROIC/WACCN/A
Cap/Depr(3y)100.25%
Cap/Depr(5y)125.42%
Cap/Sales(3y)5.76%
Cap/Sales(5y)6.55%
Profit Quality(3y)152.58%
Profit Quality(5y)157.1%
High Growth Momentum
Growth
EPS 1Y (TTM)10.77%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%29.41%
EPS Next Y7.82%
EPS Next 2Y17.8%
EPS Next 3Y14.01%
EPS Next 5Y6.39%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%7.77%
Revenue Next Year40.73%
Revenue Next 2Y23.72%
Revenue Next 3Y16.75%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year0.92%
EBIT Next 3Y20.36%
EBIT Next 5YN/A
FCF growth 1Y63.07%
FCF growth 3Y-12.5%
FCF growth 5Y182.09%
OCF growth 1Y59.84%
OCF growth 3Y-11.11%
OCF growth 5Y64.83%

FIFTH THIRD BANCORP / FITB Fundamental Analysis FAQ

What is the fundamental rating for FITB stock?

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


Can you provide the valuation status for FIFTH THIRD BANCORP?

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 4 / 10.


What is the financial health of FIFTH THIRD BANCORP (FITB) stock?

The financial health rating of FIFTH THIRD BANCORP (FITB) is 2 / 10.


What is the expected EPS growth for FIFTH THIRD BANCORP (FITB) stock?

The Earnings per Share (EPS) of FIFTH THIRD BANCORP (FITB) is expected to grow by 7.82% in the next year.