FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) Stock Fundamental Analysis

NASDAQ:FITBI • US3167736053

25.8 USD
-0.05 (-0.19%)
Last: Feb 19, 2026, 01:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FITBI. FITBI was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of FITBI while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on FITBI. Finally FITBI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FITBI had positive earnings in the past year.
  • FITBI had a positive operating cash flow in the past year.
  • FITBI had positive earnings in each of the past 5 years.
  • FITBI had a positive operating cash flow in 4 of the past 5 years.
FITBI Yearly Net Income VS EBIT VS OCF VS FCFFITBI 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

  • FITBI has a Return On Assets of 1.06%. This is in the better half of the industry: FITBI outperforms 66.40% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.70%, FITBI is in the better half of the industry, outperforming 70.08% 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
FITBI Yearly ROA, ROE, ROICFITBI 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

  • With a Profit Margin value of 25.32%, FITBI perfoms like the industry average, outperforming 56.96% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FITBI has grown nicely.
  • FITBI 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
FITBI Yearly Profit, Operating, Gross MarginsFITBI 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

  • FITBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FITBI has less shares outstanding than it did 1 year ago.
  • FITBI has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FITBI is higher compared to a year ago.
FITBI Yearly Shares OutstandingFITBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FITBI Yearly Total Debt VS Total AssetsFITBI 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

  • FITBI has a debt to FCF ratio of 4.88. This is a neutral value as FITBI would need 4.88 years to pay back of all of its debts.
  • The Debt to FCF ratio of FITBI (4.88) is worse than 71.13% of its industry peers.
  • FITBI has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITBI is somewhat dependend on debt financing.
  • FITBI has a worse Debt to Equity ratio (0.67) than 80.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.88
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
FITBI Yearly LT Debt VS Equity VS FCFFITBI 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
FITBI Yearly Current Assets VS Current LiabilitesFITBI 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

  • FITBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.77%, which is quite good.
  • The Earnings Per Share has been growing by 11.28% on average over the past years. This is quite good.
  • FITBI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.44%.
  • FITBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.45% yearly.
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

  • FITBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.39% yearly.
  • FITBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.84% yearly.
EPS Next Y11.2%
EPS Next 2Y17.7%
EPS Next 3Y14.04%
EPS Next 5Y6.39%
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.
FITBI Yearly Revenue VS EstimatesFITBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B
FITBI Yearly EPS VS EstimatesFITBI 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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8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.17 indicates a rather cheap valuation of FITBI.
  • FITBI's Price/Earnings ratio is rather cheap when compared to the industry. FITBI is cheaper than 95.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, FITBI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.44, the valuation of FITBI can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FITBI indicates a rather cheap valuation: FITBI is cheaper than 95.80% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.16. FITBI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.17
Fwd PE 6.44
FITBI Price Earnings VS Forward Price EarningsFITBI 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, FITBI is valued cheaply inside the industry as 82.68% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.96
EV/EBITDA N/A
FITBI Per share dataFITBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FITBI's earnings are expected to grow with 14.04% in the coming years.
PEG (NY)0.64
PEG (5Y)0.64
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

  • FITBI has a Yearly Dividend Yield of 8.08%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.78, FITBI pays a better dividend. On top of this FITBI pays more dividend than 99.21% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, FITBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.08%

5.2 History

  • On average, the dividend of FITBI grows each year by 9.40%, which is quite nice.
  • FITBI has paid a dividend for at least 10 years, which is a reliable track record.
  • As FITBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)9.4%
Div Incr Years1
Div Non Decr Years9
FITBI Yearly Dividends per shareFITBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • FITBI pays out 51.13% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • FITBI'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%
FITBI Yearly Income VS Free CF VS DividendFITBI 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
FITBI Dividend Payout.FITBI Dividend Payout, showing the Payout Ratio.FITBI Dividend Payout.PayoutRetained Earnings

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FIFTH THIRD BANCORP - FITB 7.97311 PERP

NASDAQ:FITBI (2/19/2026, 1:02:35 PM)

25.8

-0.05 (-0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-17
Inst Owners89.16%
Inst Owner Change-2.51%
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap23.22B
Revenue(TTM)9.02B
Net Income(TTM)2.26B
Analysts81.43
Price Target28.63 (10.97%)
Short Float %0%
Short Ratio1.05
Dividend
Industry RankSector Rank
Dividend Yield 8.08%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP51.13%
Div Incr Years1
Div Non Decr Years9
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)1.15%
PT rev (3m)-7.19%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)3.56%
EPS NY rev (3m)7.09%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)1.8%
Revenue NY rev (1m)8.39%
Revenue NY rev (3m)9.95%
Valuation
Industry RankSector Rank
PE 7.17
Fwd PE 6.44
P/S 2.6
P/FCF 7.96
P/OCF 6.67
P/B 1.1
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)3.6
EY13.95%
EPS(NY)4
Fwd EY15.52%
FCF(TTM)3.24
FCFY12.57%
OCF(TTM)3.87
OCFY15%
SpS9.91
BVpS23.45
TBVpS16.09
PEG (NY)0.64
PEG (5Y)0.64
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
WACC14.22%
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 Year40.62%
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 7.97311 PERP / FITBI FAQ

What is the fundamental rating for FITBI stock?

ChartMill assigns a fundamental rating of 4 / 10 to FITBI.


What is the valuation status of FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) stock?

ChartMill assigns a valuation rating of 8 / 10 to FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI). This can be considered as Undervalued.


How profitable is FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) stock?

FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) has a profitability rating of 4 / 10.


Can you provide the financial health for FITBI stock?

The financial health rating of FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) is 1 / 10.


Can you provide the dividend sustainability for FITBI stock?

The dividend rating of FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) is 8 / 10 and the dividend payout ratio is 51.13%.