FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) Stock Fundamental Analysis
USA - NASDAQ:FITBO - US3167738604
20.34 USD
+0.01 (+0.05%)
Taking everything into account, FITBO scores 4 out of 10 in our fundamental rating. FITBO was compared to 390 industry peers in the Banks industry. FITBO may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FITBO.
1. Profitability
1.1 Basic Checks
FITBO had positive earnings in the past year.
FITBO had a positive operating cash flow in the past year.
FITBO had positive earnings in each of the past 5 years.
Each year in the past 5 years FITBO had a positive operating cash flow.
1.2 Ratios
FITBO's Return On Assets of 1.04% is fine compared to the rest of the industry. FITBO outperforms 68.97% of its industry peers.
FITBO has a better Return On Equity (10.33%) than 69.49% 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
FITBO has a Profit Margin of 24.94%. This is comparable to the rest of the industry: FITBO outperforms 58.46% of its industry peers.
FITBO's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FITBO so they could not be analyzed.
| 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
FITBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FITBO has been reduced compared to 1 year ago.
FITBO has less shares outstanding than it did 5 years ago.
FITBO has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FITBO is 4.78, which is a neutral value as it means it would take FITBO, 4.78 years of fcf income to pay off all of its debts.
FITBO has a worse Debt to FCF ratio (4.78) than 66.41% of its industry peers.
A Debt/Equity ratio of 0.86 indicates that FITBO is somewhat dependend on debt financing.
FITBO's Debt to Equity ratio of 0.86 is on the low side compared to the rest of the industry. FITBO is outperformed by 82.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.86 | ||
| Debt/FCF | 4.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FITBO have decreased by -0.30% in the last year.
Measured over the past 5 years, FITBO shows a small growth in Earnings Per Share. The EPS has been growing by 3.25% on average per year.
FITBO shows a small growth in Revenue. In the last year, the Revenue has grown by 5.35%.
Measured over the past years, FITBO shows a small growth in Revenue. The Revenue has been growing by 0.35% on average per year.
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 12.64% on average over the next years. This is quite good.
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
FITBO is valuated cheaply with a Price/Earnings ratio of 6.07.
FITBO's Price/Earnings ratio is rather cheap when compared to the industry. FITBO is cheaper than 96.92% of the companies in the same industry.
FITBO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.67.
A Price/Forward Earnings ratio of 5.10 indicates a rather cheap valuation of FITBO.
Based on the Price/Forward Earnings ratio, FITBO is valued cheaply inside the industry as 96.67% of the companies are valued more expensively.
FITBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 31.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.07 | ||
| Fwd PE | 5.1 |
4.2 Price Multiples
FITBO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FITBO is cheaper than 95.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.56 | ||
| 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.
A more expensive valuation may be justified as FITBO's earnings are expected to grow with 14.18% in the coming years.
PEG (NY)0.65
PEG (5Y)1.87
EPS Next 2Y10.79%
EPS Next 3Y14.18%
5. Dividend
5.1 Amount
FITBO has a Yearly Dividend Yield of 3.81%.
FITBO's Dividend Yield is a higher than the industry average which is at 3.42.
FITBO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
5.2 History
The dividend of FITBO is nicely growing with an annual growth rate of 9.40%!
FITBO has been paying a dividend for over 5 years, so it has already some track record.
As FITBO 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 Years5
5.3 Sustainability
54.51% of the earnings are spent on dividend by FITBO. This is a bit on the high side, but may be sustainable.
The dividend of FITBO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.51%
EPS Next 2Y10.79%
EPS Next 3Y14.18%
FIFTH THIRD BANCORP - FITB 4.95 PERP
NASDAQ:FITBO (11/6/2025, 4:30:00 PM)
20.34
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners88.49%
Inst Owner ChangeN/A
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap13.44B
Revenue(TTM)8.92B
Net Income(TTM)2.18B
Analysts80
Price Target25.21 (23.94%)
Short Float %0%
Short Ratio0.19
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 Years5
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)10.02%
PT rev (3m)13.53%
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 | 6.07 | ||
| Fwd PE | 5.1 | ||
| P/S | 1.54 | ||
| P/FCF | 3.56 | ||
| P/OCF | 3.13 | ||
| P/B | 0.64 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY16.47%
EPS(NY)3.99
Fwd EY19.61%
FCF(TTM)5.72
FCFY28.12%
OCF(TTM)6.5
OCFY31.97%
SpS13.24
BVpS31.96
TBVpS21.94
PEG (NY)0.65
PEG (5Y)1.87
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
WACC16.45%
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 4.95 PERP / FITBO FAQ
What is the ChartMill fundamental rating of FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FITBO.
What is the valuation status for FITBO stock?
ChartMill assigns a valuation rating of 8 / 10 to FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO). This can be considered as Undervalued.
Can you provide the profitability details for FIFTH THIRD BANCORP - FITB 4.95 PERP?
FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) has a profitability rating of 3 / 10.
What are the PE and PB ratios of FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) stock?
The Price/Earnings (PE) ratio for FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) is 6.07 and the Price/Book (PB) ratio is 0.64.
Is the dividend of FIFTH THIRD BANCORP - FITB 4.95 PERP sustainable?
The dividend rating of FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) is 6 / 10 and the dividend payout ratio is 54.51%.