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FIFTH THIRD BANCORP - FITB 8.26722 PERP (FITBI) Stock Fundamental Analysis

NASDAQ:FITBI - Nasdaq - US3167736053 - Currency: USD

25.56  +0.1 (+0.39%)

Fundamental Rating

4

Overall FITBI gets a fundamental rating of 4 out of 10. We evaluated FITBI against 393 industry peers in the Banks industry. Both the profitability and financial health of FITBI have multiple concerns. FITBI scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FITBI was profitable.
In the past year FITBI had a positive cash flow from operations.
Each year in the past 5 years FITBI has been profitable.
FITBI had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.01%, FITBI is in the better half of the industry, outperforming 65.90% of the companies in the same industry.
With a decent Return On Equity value of 10.55%, FITBI is doing good in the industry, outperforming 74.05% of the companies in the same industry.
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
FITBI Yearly ROA, ROE, ROICFITBI 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

FITBI has a Profit Margin of 25.07%. This is comparable to the rest of the industry: FITBI outperforms 58.27% of its industry peers.
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 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
FITBI Yearly Profit, Operating, Gross MarginsFITBI 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

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.
Compared to 5 years ago, FITBI has less shares outstanding
Compared to 1 year ago, FITBI has an improved debt to assets ratio.
FITBI Yearly Shares OutstandingFITBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FITBI Yearly Total Debt VS Total AssetsFITBI 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

The Debt to FCF ratio of FITBI is 4.72, which is a neutral value as it means it would take FITBI, 4.72 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.72, FITBI is doing worse than 69.47% of the companies in the same industry.
FITBI has a Debt/Equity ratio of 0.74. This is a neutral value indicating FITBI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.74, FITBI is not doing good in the industry: 83.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC15.8%
FITBI Yearly LT Debt VS Equity VS FCFFITBI 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
FITBI Yearly Current Assets VS Current LiabilitesFITBI 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

FITBI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.80%.
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.
FITBI shows a small growth in Revenue. In the last year, the Revenue has grown by 3.10%.
The Revenue has been growing slightly by 0.35% on average over the past years.
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

FITBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.13% yearly.
FITBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.56% yearly.
EPS Next Y10.4%
EPS Next 2Y11.86%
EPS Next 3Y11.39%
EPS Next 5Y4.13%
Revenue Next Year4.67%
Revenue Next 2Y4.74%
Revenue Next 3Y4.56%
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.
FITBI Yearly Revenue VS EstimatesFITBI 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
FITBI Yearly EPS VS EstimatesFITBI 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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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.77, which indicates a rather cheap valuation of FITBI.
Compared to the rest of the industry, the Price/Earnings ratio of FITBI indicates a rather cheap valuation: FITBI is cheaper than 93.13% of the companies listed in the same industry.
FITBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
With a Price/Forward Earnings ratio of 6.29, the valuation of FITBI can be described as very cheap.
Based on the Price/Forward Earnings ratio, FITBI is valued cheaper than 93.64% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.80, FITBI is valued rather cheaply.
Industry RankSector Rank
PE 7.77
Fwd PE 6.29
FITBI Price Earnings VS Forward Price EarningsFITBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FITBI is valued cheaply inside the industry as 90.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.33
EV/EBITDA N/A
FITBI Per share dataFITBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
PEG (NY)0.75
PEG (5Y)2.39
EPS Next 2Y11.86%
EPS Next 3Y11.39%

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6

5. Dividend

5.1 Amount

FITBI has a Yearly Dividend Yield of 3.46%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.33, FITBI pays a bit more dividend than its industry peers.
FITBI's Dividend Yield is a higher than the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.46%

5.2 History

The dividend of FITBI is nicely growing with an annual growth rate of 9.40%!
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

FITBI pays out 55.09% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FITBI 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%
FITBI Yearly Income VS Free CF VS DividendFITBI 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
FITBI Dividend Payout.FITBI Dividend Payout, showing the Payout Ratio.FITBI Dividend Payout.PayoutRetained Earnings

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FIFTH THIRD BANCORP - FITB 8.26722 PERP

NASDAQ:FITBI (7/31/2025, 8:24:09 PM)

25.56

+0.1 (+0.39%)

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 Change0%
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap17.07B
Analysts80
Price Target28.48 (11.42%)
Short Float %0%
Short Ratio0.21
Dividend
Industry RankSector Rank
Dividend Yield 3.46%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years1
Div Non Decr Years9
Ex-Date06-26 2025-06-26 (0.52257)
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)-6.4%
PT rev (3m)-15.14%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-4.45%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)-1.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.88%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 7.77
Fwd PE 6.29
P/S 1.99
P/FCF 5.33
P/OCF 4.65
P/B 0.84
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)3.29
EY12.87%
EPS(NY)4.07
Fwd EY15.91%
FCF(TTM)4.8
FCFY18.78%
OCF(TTM)5.5
OCFY21.51%
SpS12.86
BVpS30.56
TBVpS20.58
PEG (NY)0.75
PEG (5Y)2.39
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
WACC15.8%
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 Year4.67%
Revenue Next 2Y4.74%
Revenue Next 3Y4.56%
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%