FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FITBO • US3167738604

19.63 USD
-0.06 (-0.3%)
Last: Feb 5, 2026, 01:57 PM
Fundamental Rating

4

Taking everything into account, FITBO scores 4 out of 10 in our fundamental rating. FITBO was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of FITBO while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on FITBO.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years FITBO has always been profitable.
  • Of the past 5 years FITBO 4 years had a positive operating cash flow.
FITBO Yearly Net Income VS EBIT VS OCF VS FCFFITBO 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

  • Looking at the Return On Assets, with a value of 1.06%, FITBO is in the better half of the industry, outperforming 67.36% of the companies in the same industry.
  • With a decent Return On Equity value of 10.70%, FITBO is doing good in 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)1.05%
ROA(5y)1.11%
ROE(3y)11.15%
ROE(5y)11.77%
ROIC(3y)N/A
ROIC(5y)N/A
FITBO Yearly ROA, ROE, ROICFITBO 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

  • Looking at the Profit Margin, with a value of 25.32%, FITBO is in line with its industry, outperforming 57.70% of the companies in the same industry.
  • FITBO's Profit Margin has improved in the last couple of years.
  • FITBO 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
FITBO Yearly Profit, Operating, Gross MarginsFITBO 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

  • 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
  • The debt/assets ratio for FITBO is higher compared to a year ago.
FITBO Yearly Shares OutstandingFITBO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FITBO Yearly Total Debt VS Total AssetsFITBO 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 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.
  • With a Debt to FCF ratio value of 4.88, FITBO is not doing good in the industry: 70.50% of the companies in the same industry are doing better.
  • FITBO has a Debt/Equity ratio of 0.67. This is a neutral value indicating FITBO is somewhat dependend on debt financing.
  • The Debt to Equity ratio of FITBO (0.67) is worse than 80.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 4.88
Altman-Z N/A
ROIC/WACCN/A
WACC16.58%
FITBO Yearly LT Debt VS Equity VS FCFFITBO 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
FITBO Yearly Current Assets VS Current LiabilitesFITBO 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.
  • Measured over the past years, FITBO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.28% on average per year.
  • Looking at the last year, FITBO shows a small growth in Revenue. The Revenue has grown by 5.44% in the last year.
  • Measured over the past years, FITBO shows a small growth in Revenue. The Revenue has been growing by 3.45% on average per year.
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

  • Based on estimates for the next years, FITBO will show a small growth in Earnings Per Share. The EPS will grow by 3.09% on average per year.
  • FITBO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.30% yearly.
EPS Next Y6.17%
EPS Next 2Y16.9%
EPS Next 3Y2.58%
EPS Next 5Y3.09%
Revenue Next Year33.21%
Revenue Next 2Y19.62%
Revenue Next 3Y14.3%
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 decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FITBO Yearly Revenue VS EstimatesFITBO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
FITBO Yearly EPS VS EstimatesFITBO 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.45, the valuation of FITBO can be described as very cheap.
  • FITBO's Price/Earnings ratio is rather cheap when compared to the industry. FITBO is cheaper than 96.87% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.25, FITBO is valued rather cheaply.
  • The Price/Forward Earnings ratio is 5.14, which indicates a rather cheap valuation of FITBO.
  • Based on the Price/Forward Earnings ratio, FITBO is valued cheaper than 97.13% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FITBO to the average of the S&P500 Index (27.50), we can say FITBO is valued rather cheaply.
Industry RankSector Rank
PE 5.45
Fwd PE 5.14
FITBO Price Earnings VS Forward Price EarningsFITBO 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, FITBO is valued cheaper than 93.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.45
EV/EBITDA N/A
FITBO Per share dataFITBO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
PEG (NY)0.88
PEG (5Y)0.48
EPS Next 2Y16.9%
EPS Next 3Y2.58%

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.21%, FITBO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.64, FITBO pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FITBO pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.21%

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.
  • 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
FITBO Yearly Dividends per shareFITBO Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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.
  • FITBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP51.13%
EPS Next 2Y16.9%
EPS Next 3Y2.58%
FITBO Yearly Income VS Free CF VS DividendFITBO 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
FITBO Dividend Payout.FITBO Dividend Payout, showing the Payout Ratio.FITBO Dividend Payout.PayoutRetained Earnings

More info and screens

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FIFTH THIRD BANCORP - FITB 4.95 PERP

NASDAQ:FITBO (2/5/2026, 1:57:11 PM)

19.63

-0.06 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-17
Inst Owners89.16%
Inst Owner ChangeN/A
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap12.98B
Revenue(TTM)9.02B
Net Income(TTM)2.26B
Analysts80.71
Price Target22.31 (13.65%)
Short Float %0%
Short Ratio0.28
Dividend
Industry RankSector Rank
Dividend Yield 3.21%
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)3.5%
PT rev (3m)-11.48%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)0.18%
EPS NY rev (1m)-1.13%
EPS NY rev (3m)-4.19%
Revenue NQ rev (1m)-0.57%
Revenue NQ rev (3m)1.75%
Revenue NY rev (1m)2.71%
Revenue NY rev (3m)9.48%
Valuation
Industry RankSector Rank
PE 5.45
Fwd PE 5.14
P/S 1.45
P/FCF 4.45
P/OCF 3.72
P/B 0.61
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)3.6
EY18.34%
EPS(NY)3.82
Fwd EY19.47%
FCF(TTM)4.42
FCFY22.5%
OCF(TTM)5.27
OCFY26.85%
SpS13.5
BVpS31.93
TBVpS21.91
PEG (NY)0.88
PEG (5Y)0.48
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
WACC16.58%
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 Y6.17%
EPS Next 2Y16.9%
EPS Next 3Y2.58%
EPS Next 5Y3.09%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y2.49%
Revenue growth 5Y3.45%
Sales Q2Q%7.77%
Revenue Next Year33.21%
Revenue Next 2Y19.62%
Revenue Next 3Y14.3%
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 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 7 / 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 4 / 10.


Can you provide the financial health for FITBO stock?

The financial health rating of FIFTH THIRD BANCORP - FITB 4.95 PERP (FITBO) is 1 / 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 6.17% in the next year.