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

NASDAQ:FITBI • US3167736053

25.84 USD
+0.12 (+0.47%)
Last: Feb 13, 2026, 08:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall FITBI gets a fundamental rating of 4 out of 10. We evaluated FITBI against 381 industry peers in the Banks industry. While FITBI is still in line with the averages on profitability rating, there are concerns on its financial health. FITBI may be a bit undervalued, certainly considering the very reasonable score on growth 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.
  • Each year in the past 5 years FITBI has been profitable.
  • Of the past 5 years FITBI 4 years had a positive operating cash flow.
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

  • With a decent Return On Assets value of 1.06%, FITBI is doing good in the industry, outperforming 66.40% of the companies in the same industry.
  • FITBI has a Return On Equity of 10.70%. This is in the better half of the industry: FITBI outperforms 70.08% 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
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

  • FITBI has a Profit Margin of 25.32%. This is comparable to the rest of the industry: FITBI outperforms 56.96% of its industry peers.
  • 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.
  • Compared to 1 year ago, FITBI has less shares outstanding
  • FITBI has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FITBI has a worse debt to assets ratio.
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

  • The Debt to FCF ratio of FITBI is 4.88, which is a neutral value as it means it would take FITBI, 4.88 years of fcf income to pay off all of its debts.
  • FITBI has a worse Debt to FCF ratio (4.88) than 71.65% 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's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. FITBI is outperformed by 80.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.88
Altman-Z N/A
ROIC/WACCN/A
WACC15.4%
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

  • The Earnings Per Share has grown by an nice 10.77% over the past year.
  • The Earnings Per Share has been growing by 11.28% on average over the past years. This is quite good.
  • Looking at the last year, FITBI shows a small growth in Revenue. The Revenue has grown by 5.44% in the last year.
  • The Revenue has been growing slightly by 3.45% on average over the past years.
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 3.09% 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 5Y3.09%
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • FITBI is valuated cheaply with a Price/Earnings ratio of 7.18.
  • FITBI's Price/Earnings ratio is rather cheap when compared to the industry. FITBI is cheaper than 95.01% of the companies in the same industry.
  • FITBI is valuated cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 6.45, which indicates a rather cheap valuation of FITBI.
  • Based on the Price/Forward Earnings ratio, FITBI is valued cheaply inside the industry as 95.54% of the companies are valued more expensively.
  • FITBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 7.18
Fwd PE 6.45
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 91.34% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.85
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 14.04% 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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.08%, FITBI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.53, FITBI pays a bit more dividend than its industry peers.
  • FITBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 8.08%

5.2 History

  • The dividend of FITBI is nicely growing with an annual growth rate of 9.40%!
  • FITBI has been paying a dividend for at least 10 years, so it has 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

  • FITBI pays out 51.13% 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.
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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Find the best dividend stocksShow peers with best dividend

FIFTH THIRD BANCORP - FITB 7.97311 PERP

NASDAQ:FITBI (2/13/2026, 8:08:45 PM)

25.84

+0.12 (+0.47%)

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 Cap23.26B
Revenue(TTM)9.02B
Net Income(TTM)2.26B
Analysts81.43
Price Target28.63 (10.8%)
Short Float %0%
Short Ratio0.88
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)-9.15%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)3.56%
EPS NY rev (3m)7.09%
Revenue NQ rev (1m)-0.57%
Revenue NQ rev (3m)1.8%
Revenue NY rev (1m)8.42%
Revenue NY rev (3m)9.95%
Valuation
Industry RankSector Rank
PE 7.18
Fwd PE 6.45
P/S 1.91
P/FCF 5.85
P/OCF 4.9
P/B 0.81
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)3.6
EY13.93%
EPS(NY)4
Fwd EY15.49%
FCF(TTM)4.42
FCFY17.09%
OCF(TTM)5.27
OCFY20.4%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)0.64
PEG (5Y)0.64
Graham Number50.86
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
WACC15.4%
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 5Y3.09%
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 6 / 10 and the dividend payout ratio is 51.13%.