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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

USA - NASDAQ:FITB - US3167731005 - Common Stock

40.89 USD
+0.53 (+1.31%)
Last: 10/17/2025, 8:11:40 PM
41.05 USD
+0.16 (+0.39%)
After Hours: 10/17/2025, 8:11:40 PM
Fundamental Rating

4

FITB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of FITB have multiple concerns. FITB is not valued too expensively and it also shows a decent 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.
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

With a decent Return On Assets value of 1.04%, FITB is doing good in the industry, outperforming 68.29% of the companies in the same industry.
With a decent Return On Equity value of 10.33%, FITB is doing good in the industry, outperforming 69.82% 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

Looking at the Profit Margin, with a value of 24.94%, FITB is in line with its industry, outperforming 57.54% 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 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.
FITB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, FITB has less shares outstanding
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.
With a Debt to FCF ratio value of 4.78, FITB is not doing good in the industry: 66.75% of the companies in the same industry are doing better.
FITB has a Debt/Equity ratio of 0.86. This is a neutral value indicating FITB is somewhat dependend on debt financing.
The Debt to Equity ratio of FITB (0.86) is worse than 83.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 4.78
Altman-Z N/A
ROIC/WACCN/A
WACC13.8%
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 0.30%.
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.
Looking at the last year, FITB shows a decrease in Revenue. The Revenue has decreased by -2.63% in the last year.
Measured over the past years, FITB shows a small growth in Revenue. The Revenue has been growing by 0.35% on average per year.
EPS 1Y (TTM)0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%9.41%
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.62%

3.2 Future

Based on estimates for the next years, FITB will show a small growth in Earnings Per Share. The EPS will grow by 4.60% on average per year.
FITB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.62% yearly.
EPS Next Y10.3%
EPS Next 2Y12.32%
EPS Next 3Y11.6%
EPS Next 5Y4.6%
Revenue Next Year5%
Revenue Next 2Y4.83%
Revenue Next 3Y4.62%
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 12.13, 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 27.40, which is the current average of the S&P500 Index.
FITB is valuated reasonably with a Price/Forward Earnings ratio of 9.97.
The rest of the industry has a similar Price/Forward Earnings ratio as FITB.
FITB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.13
Fwd PE 9.97
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 cheaper than 84.65% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.16
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.
PEG (NY)1.18
PEG (5Y)3.74
EPS Next 2Y12.32%
EPS Next 3Y11.6%

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7

5. Dividend

5.1 Amount

FITB has a Yearly Dividend Yield of 3.65%.
Compared to an average industry Dividend Yield of 3.56, FITB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, FITB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.65%

5.2 History

On average, the dividend of FITB grows each year by 9.40%, which is quite nice.
FITB has paid a dividend for at least 10 years, which is 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

FITB pays out 54.51% of its income as dividend. 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.
DP54.51%
EPS Next 2Y12.32%
EPS Next 3Y11.6%
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 (10/17/2025, 8:11:40 PM)

After market: 41.05 +0.16 (+0.39%)

40.89

+0.53 (+1.31%)

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 Owners88.49%
Inst Owner Change-0.02%
Ins Owners0.45%
Ins Owner Change0.49%
Market Cap27.06B
Analysts80
Price Target49.88 (21.99%)
Short Float %3.88%
Short Ratio5.99
Dividend
Industry RankSector Rank
Dividend Yield 3.65%
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)1.24%
PT rev (3m)8.79%
EPS NQ rev (1m)-1.5%
EPS NQ rev (3m)-3.46%
EPS NY rev (1m)-0.48%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE 12.13
Fwd PE 9.97
P/S 3.09
P/FCF 7.16
P/OCF 6.3
P/B 1.28
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)3.37
EY8.24%
EPS(NY)4.1
Fwd EY10.03%
FCF(TTM)5.71
FCFY13.97%
OCF(TTM)6.49
OCFY15.88%
SpS13.22
BVpS31.91
TBVpS21.91
PEG (NY)1.18
PEG (5Y)3.74
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
WACC13.8%
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%9.41%
EPS Next Y10.3%
EPS Next 2Y12.32%
EPS Next 3Y11.6%
EPS Next 5Y4.6%
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.62%
Revenue Next Year5%
Revenue Next 2Y4.83%
Revenue Next 3Y4.62%
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%