FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

NASDAQ:FITB • US3167731005

49.11 USD
-2.86 (-5.5%)
Last: Feb 27, 2026, 03:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FITB scores 4 out of 10 in our fundamental rating. FITB was compared to 379 industry peers in the Banks industry. There are concerns on the financial health of FITB while its profitability can be described as average. While showing a medium growth rate, FITB is valued expensive at the moment. FITB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FITB was profitable.
  • FITB had a positive operating cash flow in the past year.
  • FITB had positive earnings in each of the past 5 years.
  • Of the past 5 years FITB 4 years 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 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 65.96% of its industry peers.
  • The Return On Equity of FITB (10.70%) is better than 69.39% of its industry peers.
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 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) 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.
  • Compared to 1 year ago, FITB has less shares outstanding
  • FITB has less shares outstanding than it did 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 4.88, which is a neutral value as it means it would take FITB, 4.88 years of fcf income to pay off all of its debts.
  • FITB has a worse Debt to FCF ratio (4.88) than 71.24% 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.
  • With a Debt to Equity ratio value of 0.67, FITB is not doing good in the industry: 81.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.88
Altman-Z N/A
ROIC/WACCN/A
WACC11.99%
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

  • The Earnings Per Share has grown by an nice 10.77% 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.
  • The Revenue has been growing slightly by 5.44% in the past year.
  • 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

  • FITB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.39% yearly.
  • The Revenue is expected to grow by 16.71% on average over the next years. This is quite good.
EPS Next Y11.2%
EPS Next 2Y17.7%
EPS Next 3Y14.04%
EPS Next 5Y6.39%
Revenue Next Year40.73%
Revenue Next 2Y23.72%
Revenue Next 3Y16.71%
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.
  • 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 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

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.64, FITB is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of FITB indicates a slightly more expensive valuation: FITB is more expensive than 65.44% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of FITB to the average of the S&P500 Index (27.11), we can say FITB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 12.27, which indicates a correct valuation of FITB.
  • Based on the Price/Forward Earnings ratio, FITB is valued a bit more expensive than the industry average as 64.91% of the companies are valued more cheaply.
  • FITB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.13.
Industry RankSector Rank
PE 13.64
Fwd PE 12.27
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 a bit more expensive than the industry average as 64.12% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.14
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

  • FITB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as FITB's earnings are expected to grow with 14.04% in the coming years.
PEG (NY)1.22
PEG (5Y)1.21
EPS Next 2Y17.7%
EPS Next 3Y14.04%

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

8

5. Dividend

5.1 Amount

  • FITB has a Yearly Dividend Yield of 6.20%, which is a nice return.
  • FITB's Dividend Yield is rather good when compared to the industry average which is at 2.74. FITB pays more dividend than 93.93% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, FITB pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.2%

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 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 (2/27/2026, 3:40:10 PM)

49.11

-2.86 (-5.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-17
Inst Owners89.16%
Inst Owner Change5.86%
Ins Owners0.45%
Ins Owner Change8.8%
Market Cap44.20B
Revenue(TTM)9.02B
Net Income(TTM)2.26B
Analysts81.43
Price Target58.08 (18.27%)
Short Float %7.14%
Short Ratio5.57
Dividend
Industry RankSector Rank
Dividend Yield 6.2%
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)6.18%
PT rev (3m)12.35%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)0.12%
EPS NY rev (1m)4.74%
EPS NY rev (3m)7.09%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)1.92%
Revenue NY rev (1m)5.64%
Revenue NY rev (3m)10.04%
Valuation
Industry RankSector Rank
PE 13.64
Fwd PE 12.27
P/S 4.95
P/FCF 15.14
P/OCF 12.69
P/B 2.09
P/tB 3.05
EV/EBITDA N/A
EPS(TTM)3.6
EY7.33%
EPS(NY)4
Fwd EY8.15%
FCF(TTM)3.24
FCFY6.6%
OCF(TTM)3.87
OCFY7.88%
SpS9.91
BVpS23.45
TBVpS16.09
PEG (NY)1.22
PEG (5Y)1.21
Graham Number43.58
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
WACC11.99%
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 5Y6.39%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%7.77%
Revenue Next Year40.73%
Revenue Next 2Y23.72%
Revenue Next 3Y16.71%
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 4 / 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.