FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FITB • US3167731005

54.33 USD
-0.17 (-0.31%)
At close: Feb 11, 2026
54.33 USD
0 (0%)
After Hours: 2/11/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall FITB gets a fundamental rating of 3 out of 10. We evaluated FITB against 381 industry peers in the Banks industry. There are concerns on the financial health of FITB while its profitability can be described as average. FITB is valied quite expensively at the moment, while it does show a decent growth rate. FITB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FITB had positive earnings in the past year.
  • 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 4 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

  • FITB's Return On Assets of 1.06% is fine compared to the rest of the industry. FITB outperforms 66.14% of its industry peers.
  • With a decent Return On Equity value of 10.70%, FITB is doing good in the industry, outperforming 69.82% of the companies in the same industry.
Industry RankSector Rank
ROA 1.06%
ROE 10.7%
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 (25.32%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of FITB has grown nicely.
  • 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) 25.32%
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

1

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
  • Compared to 1 year ago, FITB has a worse debt to assets ratio.
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 4.88. This is a neutral value as FITB would need 4.88 years to pay back of all of its debts.
  • The Debt to FCF ratio of FITB (4.88) is worse than 71.92% 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 has a worse Debt to Equity ratio (0.67) than 80.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.88
Altman-Z N/A
ROIC/WACCN/A
WACC12.72%
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. Growth

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.
  • Measured over the past years, FITB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.28% on average per year.
  • FITB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.44%.
  • 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)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

  • The Earnings Per Share is expected to grow by 3.09% on average over the next years.
  • The Revenue is expected to grow by 16.84% on average over the next years. This is quite good.
EPS Next Y11.2%
EPS Next 2Y17.7%
EPS Next 3Y14.04%
EPS Next 5Y3.09%
Revenue Next Year40.62%
Revenue Next 2Y23.71%
Revenue Next 3Y16.84%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1 2 3 4 5

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.09 indicates a correct valuation of FITB.
  • Based on the Price/Earnings ratio, FITB is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of FITB to the average of the S&P500 Index (28.23), we can say FITB is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 13.57, FITB is valued correctly.
  • 66.93% of the companies in the same industry are cheaper than FITB, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, FITB is valued rather cheaply.
Industry RankSector Rank
PE 15.09
Fwd PE 13.57
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FITB.
Industry RankSector Rank
P/FCF 12.3
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.
  • FITB's earnings are expected to grow with 14.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.35
PEG (5Y)1.34
EPS Next 2Y17.7%
EPS Next 3Y14.04%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.97%, FITB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, FITB pays a bit more dividend than its industry peers.
  • FITB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 2.97%

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
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 51.13% 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.
DP51.13%
EPS Next 2Y17.7%
EPS Next 3Y14.04%
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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Find the best dividend stocksShow peers with best dividend

FIFTH THIRD BANCORP

NASDAQ:FITB (2/11/2026, 8:00:00 PM)

After market: 54.33 0 (0%)

54.33

-0.17 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-17
Inst Owners89.16%
Inst Owner Change-2.37%
Ins Owners0.45%
Ins Owner Change3.67%
Market Cap35.91B
Revenue(TTM)9.02B
Net Income(TTM)2.26B
Analysts80.71
Price Target58.08 (6.9%)
Short Float %8.33%
Short Ratio5.51
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP51.13%
Div Incr Years14
Div Non Decr Years15
Ex-DateN/A
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)10.85%
PT rev (3m)12.12%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)3.56%
EPS NY rev (3m)7.09%
Revenue NQ rev (1m)-0.57%
Revenue NQ rev (3m)1.8%
Revenue NY rev (1m)8.42%
Revenue NY rev (3m)9.95%
Valuation
Industry RankSector Rank
PE 15.09
Fwd PE 13.57
P/S 4.03
P/FCF 12.3
P/OCF 10.31
P/B 1.7
P/tB 2.48
EV/EBITDA N/A
EPS(TTM)3.6
EY6.63%
EPS(NY)4
Fwd EY7.37%
FCF(TTM)4.42
FCFY8.13%
OCF(TTM)5.27
OCFY9.7%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)1.35
PEG (5Y)1.34
Graham Number50.86
Profitability
Industry RankSector 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)1.05%
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 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-Score8
WACC12.72%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.77%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%29.41%
EPS Next Y11.2%
EPS Next 2Y17.7%
EPS Next 3Y14.04%
EPS Next 5Y3.09%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%7.77%
Revenue Next Year40.62%
Revenue Next 2Y23.71%
Revenue Next 3Y16.84%
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 1Y-36.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-30.28%
OCF growth 3YN/A
OCF growth 5YN/A

FIFTH THIRD BANCORP / FITB FAQ

What is the fundamental rating for FITB stock?

ChartMill assigns a fundamental rating of 3 / 10 to FITB.


Can you provide the valuation status for FIFTH THIRD BANCORP?

ChartMill assigns a valuation rating of 3 / 10 to FIFTH THIRD BANCORP (FITB). This can be considered as Overvalued.


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 1 / 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 11.2% in the next year.