FIFTH THIRD BANCORP - FITB 6 7/8 PERP (FITBM) Fundamental Analysis & Valuation

NASDAQ:FITBM • US3167738372

Current stock price

25.92 USD
-0.1 (-0.38%)
Last:

This FITBM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FITBM Profitability Analysis

1.1 Basic Checks

  • In the past year FITBM was profitable.
  • FITBM had a positive operating cash flow in the past year.
  • Each year in the past 5 years FITBM has been profitable.
  • Each year in the past 5 years FITBM had a positive operating cash flow.
FITBM Yearly Net Income VS EBIT VS OCF VS FCFFITBM 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

  • FITBM has a Return On Assets of 1.11%. This is in the better half of the industry: FITBM outperforms 64.47% of its industry peers.
  • FITBM has a Return On Equity of 10.94%. This is in the better half of the industry: FITBM outperforms 68.95% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 10.94%
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
FITBM Yearly ROA, ROE, ROICFITBM 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

  • The Profit Margin of FITBM (26.35%) is comparable to the rest of the industry.
  • FITBM's Profit Margin has improved in the last couple of years.
  • FITBM 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) 26.35%
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
FITBM Yearly Profit, Operating, Gross MarginsFITBM 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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2

2. FITBM Health Analysis

2.1 Basic Checks

  • FITBM does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FITBM has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FITBM has been reduced compared to 5 years ago.
  • FITBM has a worse debt/assets ratio than last year.
FITBM Yearly Shares OutstandingFITBM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FITBM Yearly Total Debt VS Total AssetsFITBM 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 FITBM is 3.69, which is a good value as it means it would take FITBM, 3.69 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.69, FITBM is doing worse than 63.95% of the companies in the same industry.
  • FITBM has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITBM is somewhat dependend on debt financing.
  • FITBM's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. FITBM is outperformed by 81.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.69
Altman-Z N/A
ROIC/WACCN/A
WACC13.23%
FITBM Yearly LT Debt VS Equity VS FCFFITBM 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
FITBM Yearly Current Assets VS Current LiabilitesFITBM 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. FITBM Growth Analysis

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.
  • FITBM shows a small growth in Revenue. In the last year, the Revenue has grown by 5.44%.
  • 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%4.46%

3.2 Future

  • Based on estimates for the next years, FITBM will show a small growth in Earnings Per Share. The EPS will grow by 6.39% on average per year.
  • The Revenue is expected to grow by 16.59% on average over the next years. This is quite good.
EPS Next Y7.82%
EPS Next 2Y17.8%
EPS Next 3Y14.01%
EPS Next 5Y6.39%
Revenue Next Year40.67%
Revenue Next 2Y22.61%
Revenue Next 3Y16.59%
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.
  • 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.
FITBM Yearly Revenue VS EstimatesFITBM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B
FITBM Yearly EPS VS EstimatesFITBM 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. FITBM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.20, which indicates a rather cheap valuation of FITBM.
  • FITBM's Price/Earnings ratio is rather cheap when compared to the industry. FITBM is cheaper than 94.47% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FITBM to the average of the S&P500 Index (26.21), we can say FITBM is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.68, the valuation of FITBM can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FITBM indicates a rather cheap valuation: FITBM is cheaper than 94.47% of the companies listed in the same industry.
  • FITBM is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.2
Fwd PE 6.68
FITBM Price Earnings VS Forward Price EarningsFITBM 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, FITBM is valued cheaply inside the industry as 88.95% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.97
EV/EBITDA N/A
FITBM Per share dataFITBM 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 FITBM's earnings are expected to grow with 14.01% in the coming years.
PEG (NY)0.92
PEG (5Y)0.64
EPS Next 2Y17.8%
EPS Next 3Y14.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FITBM Dividend Analysis

5.1 Amount

  • FITBM has a Yearly Dividend Yield of 3.59%.
  • Compared to an average industry Dividend Yield of 2.73, FITBM pays a bit more dividend than its industry peers.
  • FITBM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.59%

5.2 History

  • On average, the dividend of FITBM grows each year by 7.68%, which is quite nice.
  • FITBM is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)7.68%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • FITBM pays out 48.95% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of FITBM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP48.95%
EPS Next 2Y17.8%
EPS Next 3Y14.01%
FITBM Yearly Income VS Free CF VS DividendFITBM 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
FITBM Dividend Payout.FITBM Dividend Payout, showing the Payout Ratio.FITBM Dividend Payout.PayoutRetained Earnings

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FITBM Fundamentals: All Metrics, Ratios and Statistics

FIFTH THIRD BANCORP - FITB 6 7/8 PERP

NASDAQ:FITBM (4/6/2026, 8:00:00 PM)

25.92

-0.1 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-17
Inst Owners70.06%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner ChangeN/A
Market Cap23.47B
Revenue(TTM)9.02B
Net Income(TTM)2.38B
Analysts80.69
Price TargetN/A
Short Float %0%
Short Ratio0.62
Dividend
Industry RankSector Rank
Dividend Yield 3.59%
Yearly Dividend1.75
Dividend Growth(5Y)7.68%
DP48.95%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.51%
Min EPS beat(2)2.57%
Max EPS beat(2)8.45%
EPS beat(4)2
Avg EPS beat(4)2.4%
Min EPS beat(4)-0.9%
Max EPS beat(4)8.45%
EPS beat(8)4
Avg EPS beat(8)0.17%
EPS beat(12)6
Avg EPS beat(12)1.26%
EPS beat(16)6
Avg EPS beat(16)-0.8%
Revenue beat(2)0
Avg Revenue beat(2)-2.4%
Min Revenue beat(2)-3.78%
Max Revenue beat(2)-1.03%
Revenue beat(4)0
Avg Revenue beat(4)-2.2%
Min Revenue beat(4)-3.78%
Max Revenue beat(4)-0.84%
Revenue beat(8)0
Avg Revenue beat(8)-2.2%
Revenue beat(12)0
Avg Revenue beat(12)-2.2%
Revenue beat(16)0
Avg Revenue beat(16)-2.65%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-16.11%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 7.2
Fwd PE 6.68
P/S 2.6
P/FCF 5.97
P/OCF 5.2
P/B 1.08
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)3.6
EY13.89%
EPS(NY)3.88
Fwd EY14.97%
FCF(TTM)4.34
FCFY16.74%
OCF(TTM)4.98
OCFY19.23%
SpS9.96
BVpS23.99
TBVpS16.69
PEG (NY)0.92
PEG (5Y)0.64
Graham Number44.08
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 10.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.35%
GM N/A
FCFM 43.58%
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 3.69
Debt/EBITDA N/A
Cap/Depr 105.42%
Cap/Sales 6.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 165.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.23%
ROIC/WACCN/A
Cap/Depr(3y)100.25%
Cap/Depr(5y)125.42%
Cap/Sales(3y)5.76%
Cap/Sales(5y)6.55%
Profit Quality(3y)152.58%
Profit Quality(5y)157.1%
High Growth Momentum
Growth
EPS 1Y (TTM)10.77%
EPS 3Y2.43%
EPS 5Y11.28%
EPS Q2Q%29.41%
EPS Next Y7.82%
EPS Next 2Y17.8%
EPS Next 3Y14.01%
EPS Next 5Y6.39%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%4.46%
Revenue Next Year40.67%
Revenue Next 2Y22.61%
Revenue Next 3Y16.59%
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 1Y63.07%
FCF growth 3Y-12.5%
FCF growth 5Y182.09%
OCF growth 1Y59.84%
OCF growth 3Y-11.11%
OCF growth 5Y64.83%

FIFTH THIRD BANCORP - FITB 6 7/8 PERP / FITBM Fundamental Analysis FAQ

What is the fundamental rating for FITBM stock?

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


What is the valuation status for FITBM stock?

ChartMill assigns a valuation rating of 8 / 10 to FIFTH THIRD BANCORP - FITB 6 7/8 PERP (FITBM). This can be considered as Undervalued.


What is the profitability of FITBM stock?

FIFTH THIRD BANCORP - FITB 6 7/8 PERP (FITBM) has a profitability rating of 4 / 10.


What is the earnings growth outlook for FIFTH THIRD BANCORP - FITB 6 7/8 PERP?

The Earnings per Share (EPS) of FIFTH THIRD BANCORP - FITB 6 7/8 PERP (FITBM) is expected to grow by 7.82% in the next year.


How sustainable is the dividend of FIFTH THIRD BANCORP - FITB 6 7/8 PERP (FITBM) stock?

The dividend rating of FIFTH THIRD BANCORP - FITB 6 7/8 PERP (FITBM) is 4 / 10 and the dividend payout ratio is 48.95%.