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

USA - Nasdaq - NASDAQ:FITBI - US3167736053

25.59 USD
-0.03 (-0.12%)
Last: 1/16/2026, 8:15:23 PM
Fundamental Rating

4

Taking everything into account, FITBI scores 4 out of 10 in our fundamental rating. FITBI was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FITBI have multiple concerns. 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

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.
  • In the past 5 years FITBI has always 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 67.89% 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 70.50% of the companies in the same industry.
Industry RankSector Rank
ROA 1.06%
ROE 10.7%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of FITBI (25.32%) is comparable to the rest of the industry.
  • FITBI's Profit Margin has declined in the last couple of years.
  • 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-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 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.
  • The number of shares outstanding for FITBI has been reduced compared to 1 year ago.
  • Compared to 5 years ago, FITBI has less shares outstanding
  • The debt/assets ratio for FITBI has been reduced compared to a year ago.
FITBI Yearly Shares OutstandingFITBI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • FITBI has a worse Debt to FCF ratio (4.88) than 71.28% 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.
  • With a Debt to Equity ratio value of 0.67, FITBI is not doing good in the industry: 81.20% 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
WACC15.57%
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 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 500M 1B 1.5B 2B 2.5B

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5

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.
  • FITBI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.35%.
  • FITBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.35% yearly.
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

  • The Earnings Per Share is expected to grow by 4.60% on average over the next years.
  • The Revenue is expected to grow by 14.49% on average over the next years. This is quite good.
EPS Next Y9.49%
EPS Next 2Y9.06%
EPS Next 3Y14.58%
EPS Next 5Y4.6%
Revenue Next Year5.46%
Revenue Next 2Y16.93%
Revenue Next 3Y14.49%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
FITBI Yearly EPS VS EstimatesFITBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1 2 3 4

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8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.64, which indicates a rather cheap valuation of FITBI.
  • Based on the Price/Earnings ratio, FITBI is valued cheaper than 94.78% of the companies in the same industry.
  • FITBI is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 6.62 indicates a rather cheap valuation of FITBI.
  • FITBI's Price/Forward Earnings ratio is rather cheap when compared to the industry. FITBI is cheaper than 95.04% of the companies in the same industry.
  • FITBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.64
Fwd PE 6.62
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITBI indicates a rather cheap valuation: FITBI is cheaper than 91.64% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.8
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

  • FITBI's 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 14.58% in the coming years.
PEG (NY)0.8
PEG (5Y)2.35
EPS Next 2Y9.06%
EPS Next 3Y14.58%

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7

5. Dividend

5.1 Amount

  • FITBI has a Yearly Dividend Yield of 3.26%. Purely for dividend investing, there may be better candidates out there.
  • FITBI's Dividend Yield is rather good when compared to the industry average which is at 2.91. FITBI pays more dividend than 91.64% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, FITBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.26%

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.
  • FITBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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

  • 51.13% of the earnings are spent on dividend by FITBI. 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 2Y9.06%
EPS Next 3Y14.58%
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 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 (1/16/2026, 8:15:23 PM)

25.59

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17
Earnings (Next)01-20
Inst Owners89.16%
Inst Owner Change0%
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap16.92B
Revenue(TTM)8.92B
Net Income(TTM)2.26B
Analysts80.71
Price Target28.91 (12.97%)
Short Float %0%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 3.26%
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)-3.41%
PT rev (3m)1.15%
EPS NQ rev (1m)4.99%
EPS NQ rev (3m)-1.94%
EPS NY rev (1m)1.39%
EPS NY rev (3m)-0.73%
Revenue NQ rev (1m)2.51%
Revenue NQ rev (3m)2.94%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 7.64
Fwd PE 6.62
P/S 1.9
P/FCF 5.8
P/OCF 4.86
P/B 0.8
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)3.35
EY13.09%
EPS(NY)3.87
Fwd EY15.11%
FCF(TTM)4.42
FCFY17.26%
OCF(TTM)5.27
OCFY20.6%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)0.8
PEG (5Y)2.35
Graham Number49.06
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)1.06%
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-Score9
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-Score9
WACC15.57%
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 Y9.49%
EPS Next 2Y9.06%
EPS Next 3Y14.58%
EPS Next 5Y4.6%
Revenue 1Y (TTM)5.35%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%7.86%
Revenue Next Year5.46%
Revenue Next 2Y16.93%
Revenue Next 3Y14.49%
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-27.15%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-22.75%
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 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 3 / 10.


Can you provide the financial health for FITBI stock?

The financial health rating of FIFTH THIRD BANCORP - FITB 7.97311 PERP (FITBI) is 2 / 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%.