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FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

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

41.325  +0.42 (+1.01%)

Fundamental Rating

3

FITB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. FITB may be in some trouble as it scores bad on both profitability and health. FITB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FITB was profitable.
In the past year FITB had a positive cash flow from operations.
FITB had positive earnings in each of the past 5 years.
Each year in the past 5 years FITB had a positive operating cash flow.
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 has a better Return On Assets (1.01%) than 65.82% of its industry peers.
FITB has a Return On Equity of 10.55%. This is in the better half of the industry: FITB outperforms 73.72% of its industry peers.
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 25.07%. This is comparable to the rest of the industry: FITB outperforms 58.67% of its industry peers.
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) 25.07%
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.
The number of shares outstanding for FITB has been reduced compared to 1 year ago.
FITB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, FITB has an improved 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.
With a Debt to FCF ratio value of 4.72, FITB is not doing good in the industry: 69.64% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.74 indicates that FITB is somewhat dependend on debt financing.
The Debt to Equity ratio of FITB (0.74) is worse than 83.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC13.48%
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

The earnings per share for FITB have decreased by -3.80% in the last year.
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 small growth in Revenue. The Revenue has grown by 3.10% 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)-3.8%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%8.64%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%8.07%

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.
Based on estimates for the next years, FITB will show a small growth in Revenue. The Revenue will grow by 4.82% on average per year.
EPS Next Y10.4%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
EPS Next 5Y4.13%
Revenue Next Year4.92%
Revenue Next 2Y4.84%
Revenue Next 3Y4.82%
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.
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 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

A Price/Earnings ratio of 12.56 indicates a correct valuation of FITB.
FITB's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.82. FITB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.16, the valuation of FITB can be described as very reasonable.
FITB's Price/Forward Earnings is on the same level as the industry average.
FITB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
Industry RankSector Rank
PE 12.56
Fwd PE 10.16
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITB indicates a somewhat cheap valuation: FITB is cheaper than 73.98% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.61
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)1.21
PEG (5Y)3.87
EPS Next 2Y11.86%
EPS Next 3Y11.39%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.56%, FITB has a reasonable but not impressive dividend return.
FITB's Dividend Yield is a higher than the industry average which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.39, FITB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.56%

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 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 55.09% 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.
DP55.09%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
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 (8/4/2025, 10:26:01 AM)

41.325

+0.42 (+1.01%)

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 Owners86.22%
Inst Owner Change-0.09%
Ins Owners0.43%
Ins Owner Change2.92%
Market Cap27.59B
Analysts80
Price Target47.89 (15.89%)
Short Float %3.26%
Short Ratio4.04
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years14
Div Non Decr Years15
Ex-Date06-30 2025-06-30 (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)4.45%
PT rev (3m)4.25%
EPS NQ rev (1m)-0.31%
EPS NQ rev (3m)-2.09%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)-1.81%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 12.56
Fwd PE 10.16
P/S 3.21
P/FCF 8.61
P/OCF 7.52
P/B 1.35
P/tB 2.01
EV/EBITDA N/A
EPS(TTM)3.29
EY7.96%
EPS(NY)4.07
Fwd EY9.84%
FCF(TTM)4.8
FCFY11.62%
OCF(TTM)5.5
OCFY13.3%
SpS12.86
BVpS30.56
TBVpS20.58
PEG (NY)1.21
PEG (5Y)3.87
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) 25.07%
GM N/A
FCFM 37.32%
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 5.43%
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
WACC13.48%
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)-3.8%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%8.64%
EPS Next Y10.4%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
EPS Next 5Y4.13%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%8.07%
Revenue Next Year4.92%
Revenue Next 2Y4.84%
Revenue Next 3Y4.82%
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%