FIFTH THIRD BANCORP (FITB) Fundamental Analysis & Valuation

NASDAQ:FITB • US3167731005

Current stock price

50.34 USD
+0.82 (+1.66%)
At close:
50.3196 USD
-0.02 (-0.04%)
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.
  • In the past year FITB had a positive cash flow from operations.
  • In the past 5 years FITB has always 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • FITB has a better Return On Assets (1.11%) than 63.83% of its industry peers.
  • FITB's Return On Equity of 10.94% is fine compared to the rest of the industry. FITB outperforms 68.35% 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 comparable to the rest of the industry.
  • FITB's Profit Margin has improved 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) 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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.
  • The debt/assets ratio for FITB is higher compared to a year ago.
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

  • The Debt to FCF ratio of FITB is 3.69, which is a good value as it means it would take FITB, 3.69 years of fcf income to pay off all of its debts.
  • FITB has a worse Debt to FCF ratio (3.69) than 64.89% of its industry peers.
  • FITB has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITB is somewhat dependend on debt financing.
  • FITB's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. FITB is outperformed by 82.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.69
Altman-Z N/A
ROIC/WACCN/A
WACC11.54%
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

  • The Earnings Per Share has grown by an nice 15.84% over the past year.
  • FITB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.28% yearly.
  • FITB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.11%.
  • Measured over the past years, FITB shows a small growth in Revenue. The Revenue has been growing by 3.45% on average per year.
EPS 1Y (TTM)15.84%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%18.31%
Revenue 1Y (TTM)13.11%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%32.68%

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 6.39% on average per year.
  • FITB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.79% yearly.
EPS Next Y7.22%
EPS Next 2Y17.12%
EPS Next 3Y14.12%
EPS Next 5Y6.39%
Revenue Next Year42.4%
Revenue Next 2Y23.47%
Revenue Next 3Y16.79%
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.
  • 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 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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Find the best growth stocksShow best growing peers

5

4. FITB Valuation Analysis

4.1 Price/Earnings Ratio

  • FITB is valuated correctly with a Price/Earnings ratio of 13.50.
  • 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 27.89. FITB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.19 indicates a reasonable valuation of FITB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FITB indicates a somewhat cheap valuation: FITB is cheaper than 61.97% of the companies listed in the same industry.
  • FITB is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.5
Fwd PE 10.19
FITB Price Earnings VS Forward Price EarningsFITB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 61.17% of the companies in the same industry are more expensive than FITB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 11.6
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • FITB's earnings are expected to grow with 14.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.87
PEG (5Y)1.2
EPS Next 2Y17.12%
EPS Next 3Y14.12%

More info and screens

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

7

5. FITB Dividend Analysis

5.1 Amount

  • FITB has a Yearly Dividend Yield of 3.18%.
  • FITB's Dividend Yield is a higher than the industry average which is at 2.58.
  • Compared to an average S&P500 Dividend Yield of 1.82, FITB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.18%

5.2 History

  • The dividend of FITB is nicely growing with an annual growth rate of 7.68%!
  • 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)7.68%
Div Incr Years15
Div Non Decr Years16
FITB Yearly Dividends per shareFITB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 2Y17.12%
EPS Next 3Y14.12%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

FITB Fundamentals: All Metrics, Ratios and Statistics

FIFTH THIRD BANCORP

NASDAQ:FITB (4/17/2026, 8:12:12 PM)

After market: 50.3196 -0.02 (-0.04%)

50.34

+0.82 (+1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17
Earnings (Next)07-17
Inst Owners70.42%
Inst Owner Change0.25%
Ins Owners0.39%
Ins Owner Change8.12%
Market Cap45.59B
Revenue(TTM)9.71B
Net Income(TTM)2.38B
Analysts80.69
Price Target57.91 (15.04%)
Short Float %4.4%
Short Ratio3.11
Dividend
Industry RankSector Rank
Dividend Yield 3.18%
Yearly Dividend1.75
Dividend Growth(5Y)7.68%
DP48.95%
Div Incr Years15
Div Non Decr Years16
Ex-Date03-31
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)-0.81%
PT rev (3m)5.86%
EPS NQ rev (1m)-25.29%
EPS NQ rev (3m)-21.47%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0.38%
Revenue NQ rev (3m)21.28%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)9.76%
Valuation
Industry RankSector Rank
PE 13.5
Fwd PE 10.19
P/S 5.06
P/FCF 11.6
P/OCF 10.1
P/B 2.1
P/tB 3.02
EV/EBITDA N/A
EPS(TTM)3.73
EY7.41%
EPS(NY)4.94
Fwd EY9.81%
FCF(TTM)4.34
FCFY8.62%
OCF(TTM)4.98
OCFY9.9%
SpS9.96
BVpS23.99
TBVpS16.69
PEG (NY)1.87
PEG (5Y)1.2
Graham Number44.8701 (-10.87%)
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
WACC11.54%
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)15.84%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%18.31%
EPS Next Y7.22%
EPS Next 2Y17.12%
EPS Next 3Y14.12%
EPS Next 5Y6.39%
Revenue 1Y (TTM)13.11%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%32.68%
Revenue Next Year42.4%
Revenue Next 2Y23.47%
Revenue Next 3Y16.79%
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 5 / 10 to FIFTH THIRD BANCORP (FITB). This can be considered as Fairly Valued.


How profitable is FIFTH THIRD BANCORP (FITB) stock?

FIFTH THIRD BANCORP (FITB) has a profitability rating of 4 / 10.


What is the valuation of FIFTH THIRD BANCORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIFTH THIRD BANCORP (FITB) is 13.5 and the Price/Book (PB) ratio is 2.1.


What is the earnings growth outlook for FIFTH THIRD BANCORP?

The Earnings per Share (EPS) of FIFTH THIRD BANCORP (FITB) is expected to grow by 7.22% in the next year.