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

NASDAQ:FITBO - Nasdaq - US3167738604 - Currency: USD

20.11  +0.03 (+0.15%)

Fundamental Rating

4

Taking everything into account, FITBO scores 4 out of 10 in our fundamental rating. FITBO was compared to 395 industry peers in the Banks industry. FITBO has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on FITBO.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years FITBO always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

With a decent Return On Assets value of 1.01%, FITBO is doing good in the industry, outperforming 66.08% of the companies in the same industry.
FITBO has a better Return On Equity (10.55%) than 74.43% of its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 10.55%
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
FITBO Yearly ROA, ROE, ROICFITBO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FITBO has a Profit Margin (25.29%) which is in line with 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 RankSector Rank
OM N/A
PM (TTM) 25.29%
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
FITBO Yearly Profit, Operating, Gross MarginsFITBO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

FITBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FITBO has less shares outstanding
Compared to 5 years ago, FITBO has less shares outstanding
FITBO has a worse debt/assets ratio than last year.
FITBO Yearly Shares OutstandingFITBO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FITBO Yearly Total Debt VS Total AssetsFITBO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

The Debt to FCF ratio of FITBO is 4.72, which is a neutral value as it means it would take FITBO, 4.72 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.72, FITBO is doing worse than 70.13% of the companies in the same industry.
FITBO has a Debt/Equity ratio of 0.74. This is a neutral value indicating FITBO is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.74, FITBO is not doing good in the industry: 83.04% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Altman-Z N/A
ROIC/WACCN/A
WACC17.21%
FITBO Yearly LT Debt VS Equity VS FCFFITBO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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4

3. Growth

3.1 Past

The earnings per share for FITBO have decreased by -6.12% 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.
Looking at the last year, FITBO shows a decrease in Revenue. The Revenue has decreased by -0.88% in the last year.
FITBO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.35% yearly.
EPS 1Y (TTM)-6.12%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-4.05%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%

3.2 Future

FITBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.13% yearly.
Based on estimates for the next years, FITBO will show a small growth in Revenue. The Revenue will grow by 4.52% on average per year.
EPS Next Y10.65%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
EPS Next 5Y4.13%
Revenue Next Year4.68%
Revenue Next 2Y4.78%
Revenue Next 3Y4.52%
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.
FITBO Yearly Revenue VS EstimatesFITBO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B
FITBO Yearly EPS VS EstimatesFITBO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.25, the valuation of FITBO can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of FITBO indicates a rather cheap valuation: FITBO is cheaper than 95.95% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.45, FITBO is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.94, the valuation of FITBO can be described as very cheap.
FITBO's Price/Forward Earnings ratio is rather cheap when compared to the industry. FITBO is cheaper than 96.46% of the companies in the same industry.
FITBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.90.
Industry RankSector Rank
PE 6.25
Fwd PE 4.94
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FITBO indicates a rather cheap valuation: FITBO is cheaper than 92.91% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.19
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

FITBO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.59
PEG (5Y)1.92
EPS Next 2Y11.95%
EPS Next 3Y11.34%

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5

5. Dividend

5.1 Amount

FITBO has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, FITBO pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, FITBO pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.57%

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 55.09% 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.
DP55.09%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
FITBO Yearly Income VS Free CF VS DividendFITBO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
FITBO Dividend Payout.FITBO Dividend Payout, showing the Payout Ratio.FITBO Dividend Payout.PayoutRetained Earnings

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FIFTH THIRD BANCORP - FITB 4.95 PERP

NASDAQ:FITBO (7/3/2025, 7:24:03 PM)

20.11

+0.03 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners86.22%
Inst Owner ChangeN/A
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap13.42B
Analysts78.62
Price Target23.43 (16.51%)
Short Float %0%
Short Ratio0.04
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP55.09%
Div Incr Years1
Div Non Decr Years5
Ex-Date03-27 2025-03-27 (0.30938)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.03%
Min EPS beat(2)-5.16%
Max EPS beat(2)-0.9%
EPS beat(4)1
Avg EPS beat(4)-3.03%
Min EPS beat(4)-6.37%
Max EPS beat(4)0.31%
EPS beat(8)4
Avg EPS beat(8)0.87%
EPS beat(12)4
Avg EPS beat(12)-1.62%
EPS beat(16)5
Avg EPS beat(16)-0.96%
Revenue beat(2)0
Avg Revenue beat(2)-3.25%
Min Revenue beat(2)-3.59%
Max Revenue beat(2)-2.91%
Revenue beat(4)0
Avg Revenue beat(4)-3.24%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-2.91%
Revenue beat(8)0
Avg Revenue beat(8)-2.54%
Revenue beat(12)0
Avg Revenue beat(12)-2.83%
Revenue beat(16)1
Avg Revenue beat(16)-2.74%
PT rev (1m)-11.41%
PT rev (3m)-20.4%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-3.87%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-1.13%
Valuation
Industry RankSector Rank
PE 6.25
Fwd PE 4.94
P/S 1.58
P/FCF 4.19
P/OCF 3.66
P/B 0.66
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)3.22
EY16.01%
EPS(NY)4.07
Fwd EY20.25%
FCF(TTM)4.8
FCFY23.88%
OCF(TTM)5.5
OCFY27.35%
SpS12.76
BVpS30.57
TBVpS20.58
PEG (NY)0.59
PEG (5Y)1.92
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 10.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.29%
GM N/A
FCFM 37.64%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.74
Debt/FCF 4.72
Debt/EBITDA N/A
Cap/Depr 92.83%
Cap/Sales 5.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 148.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.21%
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)-6.12%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-4.05%
EPS Next Y10.65%
EPS Next 2Y11.95%
EPS Next 3Y11.34%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-0.88%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%2.01%
Revenue Next Year4.68%
Revenue Next 2Y4.78%
Revenue Next 3Y4.52%
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-42.5%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-39.44%
OCF growth 3Y1.46%
OCF growth 5Y9.14%