FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) Stock Fundamental Analysis
USA - NASDAQ:FITBI - US3167736053
25.49 USD
-0.01 (-0.04%)
Taking everything into account, FITBI scores 4 out of 10 in our fundamental rating. FITBI was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of FITBI have multiple concerns. FITBI may be a bit undervalued, certainly considering the very reasonable score on growth
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.
Each year in the past 5 years FITBI had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.04%, FITBI is in the better half of the industry, outperforming 68.46% of the companies in the same industry.
FITBI's Return On Equity of 10.33% is fine compared to the rest of the industry. FITBI outperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 10.33% | ||
| 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
1.3 Margins
FITBI has a Profit Margin (24.94%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FITBI has declined.
FITBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.94% | ||
| 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
2. Health
2.1 Basic Checks
FITBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FITBI has been reduced compared to 1 year ago.
The number of shares outstanding for FITBI has been reduced compared to 5 years ago.
FITBI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FITBI is 4.78, which is a neutral value as it means it would take FITBI, 4.78 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.78, FITBI is doing worse than 66.92% of the companies in the same industry.
FITBI has a Debt/Equity ratio of 0.86. This is a neutral value indicating FITBI is somewhat dependend on debt financing.
FITBI's Debt to Equity ratio of 0.86 is on the low side compared to the rest of the industry. FITBI is outperformed by 83.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.86 | ||
| Debt/FCF | 4.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FITBI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.30%.
Measured over the past 5 years, FITBI shows a small growth in Earnings Per Share. The EPS has been growing by 3.25% on average per year.
The Revenue has been growing slightly by 5.35% in the past year.
The Revenue has been growing slightly by 0.35% on average over the past years.
EPS 1Y (TTM)-0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%7.06%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
3.2 Future
Based on estimates for the next years, FITBI will show a small growth in Earnings Per Share. The EPS will grow by 4.60% on average per year.
FITBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.64% yearly.
EPS Next Y9.4%
EPS Next 2Y10.79%
EPS Next 3Y14.18%
EPS Next 5Y4.6%
Revenue Next Year5.19%
Revenue Next 2Y13.26%
Revenue Next 3Y12.64%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.61, which indicates a rather cheap valuation of FITBI.
FITBI's Price/Earnings ratio is rather cheap when compared to the industry. FITBI is cheaper than 93.85% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, FITBI is valued rather cheaply.
FITBI is valuated cheaply with a Price/Forward Earnings ratio of 6.39.
93.59% of the companies in the same industry are more expensive than FITBI, based on the Price/Forward Earnings ratio.
FITBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.53.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.61 | ||
| Fwd PE | 6.39 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FITBI is valued cheaper than 92.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.46 | ||
| EV/EBITDA | N/A |
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.
FITBI's earnings are expected to grow with 14.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)2.34
EPS Next 2Y10.79%
EPS Next 3Y14.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.81%, FITBI has a reasonable but not impressive dividend return.
FITBI's Dividend Yield is a higher than the industry average which is at 3.44.
FITBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
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
5.3 Sustainability
FITBI pays out 54.51% 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.
DP54.51%
EPS Next 2Y10.79%
EPS Next 3Y14.18%
FIFTH THIRD BANCORP - FITB 7.97311 PERP
NASDAQ:FITBI (11/3/2025, 4:30:00 PM)
25.49
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.49%
Inst Owner Change0%
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap16.85B
Revenue(TTM)8.92B
Net Income(TTM)2.18B
Analysts80
Price Target31.52 (23.66%)
Short Float %0%
Short Ratio0.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP54.51%
Div Incr Years1
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.72%
Min EPS beat(2)-0.9%
Max EPS beat(2)-0.53%
EPS beat(4)1
Avg EPS beat(4)-1.57%
Min EPS beat(4)-5.16%
Max EPS beat(4)0.31%
EPS beat(8)4
Avg EPS beat(8)1.21%
EPS beat(12)4
Avg EPS beat(12)-0.46%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-1.76%
Min Revenue beat(2)-2.91%
Max Revenue beat(2)-0.62%
Revenue beat(4)0
Avg Revenue beat(4)-2.55%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-0.62%
Revenue beat(8)0
Avg Revenue beat(8)-2.33%
Revenue beat(12)0
Avg Revenue beat(12)-2.48%
Revenue beat(16)1
Avg Revenue beat(16)-2.68%
PT rev (1m)12.68%
PT rev (3m)10.65%
EPS NQ rev (1m)-4.54%
EPS NQ rev (3m)-7%
EPS NY rev (1m)-0.82%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.61 | ||
| Fwd PE | 6.39 | ||
| P/S | 1.93 | ||
| P/FCF | 4.46 | ||
| P/OCF | 3.92 | ||
| P/B | 0.8 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY13.14%
EPS(NY)3.99
Fwd EY15.65%
FCF(TTM)5.72
FCFY22.44%
OCF(TTM)6.5
OCFY25.51%
SpS13.24
BVpS31.96
TBVpS21.94
PEG (NY)0.81
PEG (5Y)2.34
Graham Number49.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 10.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.94% | ||
| GM | N/A | ||
| FCFM | 43.19% |
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
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-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.86 | ||
| Debt/FCF | 4.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 99.62% | ||
| Cap/Sales | 5.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 173.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC15.58%
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)-0.3%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%7.06%
EPS Next Y9.4%
EPS Next 2Y10.79%
EPS Next 3Y14.18%
EPS Next 5Y4.6%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
Revenue Next Year5.19%
Revenue Next 2Y13.26%
Revenue Next 3Y12.64%
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-25.68%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-23.03%
OCF growth 3Y1.46%
OCF growth 5Y9.14%
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 for 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 3 / 10.
What are the PE and PB ratios of FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) stock?
The Price/Earnings (PE) ratio for FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) is 7.61 and the Price/Book (PB) ratio is 0.8.
What is the earnings growth outlook for FIFTH THIRD BANCORP - FITB 7.97311 PERP?
The Earnings per Share (EPS) of FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) is expected to grow by 9.4% in the next year.