19.34 USD
+0.1 (+0.52%)
We assign a fundamental rating of 4 out of 10 to FITBO. FITBO was compared to 388 industry peers in the Banks industry. FITBO may be in some trouble as it scores bad on both profitability and health. FITBO may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
FITBO had positive earnings in the past year.
In the past year FITBO had a positive cash flow from operations.
Each year in the past 5 years FITBO has been profitable.
FITBO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FITBO has a Return On Assets of 1.06%. This is in the better half of the industry: FITBO outperforms 68.04% of its industry peers.
The Return On Equity of FITBO (10.70%) is better than 71.13% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
FITBO has a Profit Margin (25.32%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FITBO has declined.
FITBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
Compared to 5 years ago, FITBO has less shares outstanding
Compared to 1 year ago, FITBO has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of FITBO is 4.88, which is a neutral value as it means it would take FITBO, 4.88 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.88, FITBO is doing worse than 70.62% of the companies in the same industry.
FITBO has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITBO is somewhat dependend on debt financing.
FITBO has a worse Debt to Equity ratio (0.67) than 80.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 4.88 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FITBO 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, 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%.
The Revenue has been growing slightly by 0.35% on average over the past years.
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.
Based on estimates for the next years, FITBO will show a quite strong growth in Revenue. The Revenue will grow by 14.49% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 5.77, the valuation of FITBO can be described as very cheap.
Based on the Price/Earnings ratio, FITBO is valued cheaply inside the industry as 96.65% of the companies are valued more expensively.
FITBO is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.00, the valuation of FITBO can be described as very cheap.
96.65% of the companies in the same industry are more expensive than FITBO, based on the Price/Forward Earnings ratio.
FITBO 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | 5 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FITBO is valued cheaper than 93.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.38 | ||
| 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.
FITBO's earnings are expected to grow with 14.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)1.78
EPS Next 2Y9.06%
EPS Next 3Y14.58%
5. Dividend
5.1 Amount
FITBO has a Yearly Dividend Yield of 3.32%.
FITBO's Dividend Yield is a higher than the industry average which is at 2.74.
FITBO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
5.2 History
On average, the dividend of FITBO grows each year by 9.40%, which is quite nice.
FITBO has been paying a dividend for over 5 years, so it has already some track record.
FITBO 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 Years5
5.3 Sustainability
FITBO pays out 51.13% of its income as dividend. 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.
DP51.13%
EPS Next 2Y9.06%
EPS Next 3Y14.58%
FIFTH THIRD BANCORP - FITB 4.95 PERP
NASDAQ:FITBO (12/31/2025, 8:00:01 PM)
19.34
+0.1 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.26%
Inst Owner ChangeN/A
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap12.78B
Revenue(TTM)8.92B
Net Income(TTM)2.26B
Analysts80.71
Price Target21.56 (11.48%)
Short Float %0%
Short Ratio0.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP51.13%
Div Incr Years1
Div Non Decr Years5
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)-11.24%
PT rev (3m)-5.91%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-1.4%
EPS NY rev (1m)0.51%
EPS NY rev (3m)-0.73%
Revenue NQ rev (1m)2.51%
Revenue NQ rev (3m)2.9%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | 5 | ||
| P/S | 1.43 | ||
| P/FCF | 4.38 | ||
| P/OCF | 3.67 | ||
| P/B | 0.61 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY17.32%
EPS(NY)3.87
Fwd EY19.99%
FCF(TTM)4.42
FCFY22.83%
OCF(TTM)5.27
OCFY27.25%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)0.61
PEG (5Y)1.78
Graham Number49.06
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.66%
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 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.
Can you provide the valuation status for FIFTH THIRD BANCORP - FITB 4.95 PERP?
ChartMill assigns a valuation rating of 8 / 10 to FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO). This can be considered as Undervalued.
How profitable is FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) stock?
FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) has a profitability rating of 3 / 10.
Can you provide the financial health for FITBO stock?
The financial health rating of FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) is 2 / 10.
Can you provide the expected EPS growth for FITBO stock?
The Earnings per Share (EPS) of FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) is expected to grow by 9.49% in the next year.