Logo image of FITB

FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

NASDAQ:FITB - Nasdaq - US3167731005 - Common Stock - Currency: USD

42.44  +1.31 (+3.19%)

After market: 42.44 0 (0%)

Fundamental Rating

3

FITB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 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.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
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

FITB's Return On Assets of 1.01% is fine compared to the rest of the industry. FITB outperforms 65.32% of its industry peers.
Looking at the Return On Equity, with a value of 10.55%, FITB is in the better half of the industry, outperforming 73.67% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 10.55%
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 has a Profit Margin of 25.29%. This is comparable to the rest of the industry: FITB outperforms 59.24% of its industry peers.
FITB's Profit Margin has declined 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) 25.29%
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

More info and screens

1

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.
Compared to 1 year ago, FITB has a worse debt to assets ratio.
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

FITB has a debt to FCF ratio of 4.72. This is a neutral value as FITB would need 4.72 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.72, FITB is doing worse than 70.89% of the companies in the same industry.
A Debt/Equity ratio of 0.74 indicates that FITB is somewhat dependend on debt financing.
FITB has a Debt to Equity ratio of 0.74. This is amonst the worse of the industry: FITB underperforms 83.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC14.47%
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 2B 4B 6B

More info and screens

4

3. Growth

3.1 Past

The earnings per share for FITB have decreased by -6.12% in the last year.
The Earnings Per Share has been growing slightly by 3.25% on average over the past years.
The Revenue has decreased by -0.88% in the past year.
The Revenue has been growing slightly by 0.35% on average over the past years.
EPS 1Y (TTM)-6.12%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-4.05%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%

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 4.13% on average per year.
The Revenue is expected to grow by 4.52% on average over the next years.
EPS Next Y10.65%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
EPS Next 5Y4.13%
Revenue Next Year4.68%
Revenue Next 2Y4.78%
Revenue Next 3Y4.52%
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
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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.18, the valuation of FITB can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of FITB is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.21. FITB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.42, which indicates a very decent valuation of FITB.
FITB's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.70, FITB is valued rather cheaply.
Industry RankSector Rank
PE 13.18
Fwd PE 10.42
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITB indicates a somewhat cheap valuation: FITB is cheaper than 75.70% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.84
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.
PEG (NY)1.24
PEG (5Y)4.06
EPS Next 2Y11.95%
EPS Next 3Y11.34%

More info and screens

6

5. Dividend

5.1 Amount

FITB has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, 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 2.42.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

On average, the dividend of FITB grows each year by 9.40%, 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 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

55.09% 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.
DP55.09%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
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

More info and screens

FIFTH THIRD BANCORP

NASDAQ:FITB (7/1/2025, 5:32:41 PM)

After market: 42.44 0 (0%)

42.44

+1.31 (+3.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners86.22%
Inst Owner Change-0.08%
Ins Owners0.43%
Ins Owner Change2.94%
Market Cap28.33B
Analysts78.62
Price Target45.85 (8.03%)
Short Float %2.77%
Short Ratio4.03
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years14
Div Non Decr Years15
Ex-Date03-31 2025-03-31 (0.37)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.03%
Min EPS beat(2)-5.16%
Max EPS beat(2)-0.9%
EPS beat(4)1
Avg EPS beat(4)-3.03%
Min EPS beat(4)-6.37%
Max EPS beat(4)0.31%
EPS beat(8)4
Avg EPS beat(8)0.87%
EPS beat(12)4
Avg EPS beat(12)-1.62%
EPS beat(16)5
Avg EPS beat(16)-0.96%
Revenue beat(2)0
Avg Revenue beat(2)-3.25%
Min Revenue beat(2)-3.59%
Max Revenue beat(2)-2.91%
Revenue beat(4)0
Avg Revenue beat(4)-3.24%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-2.91%
Revenue beat(8)0
Avg Revenue beat(8)-2.54%
Revenue beat(12)0
Avg Revenue beat(12)-2.83%
Revenue beat(16)1
Avg Revenue beat(16)-2.74%
PT rev (1m)2.06%
PT rev (3m)-9.88%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-3.87%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-1.13%
Valuation
Industry RankSector Rank
PE 13.18
Fwd PE 10.42
P/S 3.33
P/FCF 8.84
P/OCF 7.72
P/B 1.39
P/tB 2.06
EV/EBITDA N/A
EPS(TTM)3.22
EY7.59%
EPS(NY)4.07
Fwd EY9.6%
FCF(TTM)4.8
FCFY11.31%
OCF(TTM)5.5
OCFY12.96%
SpS12.76
BVpS30.57
TBVpS20.58
PEG (NY)1.24
PEG (5Y)4.06
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 10.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.29%
GM N/A
FCFM 37.64%
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 0.74
Debt/FCF 4.72
Debt/EBITDA N/A
Cap/Depr 92.83%
Cap/Sales 5.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 148.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.47%
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)-6.12%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-4.05%
EPS Next Y10.65%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
Revenue Next Year4.68%
Revenue Next 2Y4.78%
Revenue Next 3Y4.52%
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-42.5%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-39.44%
OCF growth 3Y1.46%
OCF growth 5Y9.14%