(FITB) Fifth Third Bancorp - Overview
Stock: Loans, Deposits, Mortgages, Cards, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.59% |
| Yield on Cost 5y | 5.69% |
| Yield CAGR 5y | 7.81% |
| Payout Consistency | 91.9% |
| Payout Ratio | 43.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.8% |
| Relative Tail Risk | -8.39% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.89 |
| Alpha | 14.30 |
| Character TTM | |
|---|---|
| Beta | 0.988 |
| Beta Downside | 1.270 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.18% |
| CAGR/Max DD | 0.51 |
Description: FITB Fifth Third Bancorp December 17, 2025
Fifth Third Bancorp (NASDAQ: FITB) is a U.S. bank holding company that operates Fifth Third Bank through three primary segments: Commercial Banking, Consumer & Small Business Banking, and Wealth & Asset Management. The Commercial Banking arm delivers credit intermediation, cash-management, trade finance, and syndicated loan services to corporate and government clients. The Consumer & Small Business segment offers deposits, mortgages, home-equity, credit cards, and specialty financing (e.g., auto-dealer and solar loans). The Wealth & Asset Management division provides brokerage, investment-management, trust, and advisory services to individuals, institutions, and non-profits.
As of the latest quarterly report (Q3 2024), FITB reported a net interest margin of 3.45%, a 5% year-over-year increase driven by a higher yield curve, and loan growth of 4.2% across its commercial and consumer portfolios. The bank’s efficiency ratio improved to 58.9%, reflecting tighter cost control amid rising operating expenses. Key macro drivers include the Federal Reserve’s policy stance-higher rates boost net interest income but also pressure credit quality-and regional housing market dynamics that affect mortgage originations and home-equity demand.
For a deeper, data-driven assessment of FITB’s valuation and risk profile, consider exploring the detailed analytics available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 2.52b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.59 > 1.0 |
| NWC/Revenue: -243.4% < 20% (prev -813.0%; Δ 569.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.48b > Net Income 2.52b |
| Net Debt (11.02b) to EBITDA (3.62b): 3.05 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (669.2m) vs 12m ago -1.81% < -2% |
| Gross Margin: 65.29% > 18% (prev 0.59%; Δ 6470 % > 0.5%) |
| Asset Turnover: 6.02% > 50% (prev 6.14%; Δ -0.12% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 3.62b / Interest Expense TTM 3.92b) |
Altman Z'' -0.37
| A: -0.15 (Total Current Assets 143.51b - Total Current Liabilities 174.83b) / Total Assets 214.38b |
| B: 0.12 (Retained Earnings 25.49b / Total Assets 214.38b) |
| C: 0.01 (EBIT TTM 2.30b / Avg Total Assets 213.65b) |
| D: 0.13 (Book Value of Equity 24.43b / Total Liabilities 192.65b) |
| Altman-Z'' Score: -0.37 = B |
Beneish M 1.00
| DSRI: 18.75 (Receivables 120.40b/6.52b, Revenue 12.87b/13.07b) |
| GMI: 0.91 (GM 65.29% / 59.26%) |
| AQI: 0.47 (AQ_t 0.32 / AQ_t-1 0.68) |
| SGI: 0.98 (Revenue 12.87b / 13.07b) |
| TATA: -0.00 (NI 2.52b - CFO 3.48b) / TA 214.38b) |
| Beneish M-Score: 11.17 (Cap -4..+1) = D |
What is the price of FITB shares?
Over the past week, the price has changed by +9.68%, over one month by +10.65%, over three months by +30.58% and over the past year by +28.87%.
Is FITB a buy, sell or hold?
- StrongBuy: 9
- Buy: 5
- Hold: 10
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FITB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 57.2 | 3.8% |
| Analysts Target Price | 57.2 | 3.8% |
| ValueRay Target Price | 63.3 | 15% |
FITB Fundamental Data Overview February 07, 2026
P/E Forward = 13.3156
P/S = 5.9335
P/B = 2.4263
P/EG = 2.0804
Revenue TTM = 12.87b USD
EBIT TTM = 2.30b USD
EBITDA TTM = 3.62b USD
Long Term Debt = 13.59b USD (from longTermDebt, last quarter)
Short Term Debt = 926.0m USD (from shortTermDebt, last quarter)
Debt = 14.52b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.02b USD (from netDebt column, last quarter)
Enterprise Value = 41.71b USD (49.57b + Debt 14.52b - CCE 22.38b)
Interest Coverage Ratio = 0.59 (Ebit TTM 2.30b / Interest Expense TTM 3.92b)
EV/FCF = 12.43x (Enterprise Value 41.71b / FCF TTM 3.36b)
FCF Yield = 8.05% (FCF TTM 3.36b / Enterprise Value 41.71b)
FCF Margin = 26.09% (FCF TTM 3.36b / Revenue TTM 12.87b)
Net Margin = 19.61% (Net Income TTM 2.52b / Revenue TTM 12.87b)
Gross Margin = 65.29% ((Revenue TTM 12.87b - Cost of Revenue TTM 4.47b) / Revenue TTM)
Gross Margin QoQ = 71.36% (prev 63.76%)
Tobins Q-Ratio = 0.19 (Enterprise Value 41.71b / Total Assets 214.38b)
Interest Expense / Debt = 6.47% (Interest Expense 939.0m / Debt 14.52b)
Taxrate = 19.85% (181.0m / 912.0m)
NOPAT = 1.84b (EBIT 2.30b * (1 - 19.85%))
Current Ratio = 0.82 (Total Current Assets 143.51b / Total Current Liabilities 174.83b)
Debt / Equity = 0.67 (Debt 14.52b / totalStockholderEquity, last quarter 21.72b)
Debt / EBITDA = 3.05 (Net Debt 11.02b / EBITDA 3.62b)
Debt / FCF = 3.28 (Net Debt 11.02b / FCF TTM 3.36b)
Total Stockholder Equity = 21.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 2.52b / Total Assets 214.38b)
RoE = 11.96% (Net Income TTM 2.52b / Total Stockholder Equity 21.09b)
RoCE = 6.63% (EBIT 2.30b / Capital Employed (Equity 21.09b + L.T.Debt 13.59b))
RoIC = 4.92% (NOPAT 1.84b / Invested Capital 37.45b)
WACC = 8.57% (E(49.57b)/V(64.09b) * Re(9.56%) + D(14.52b)/V(64.09b) * Rd(6.47%) * (1-Tc(0.20)))
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.36%
[DCF Debug] Terminal Value 74.44% ; FCFF base≈3.85b ; Y1≈3.50b ; Y5≈3.06b
Fair Price DCF = 42.73 (EV 49.48b - Net Debt 11.02b = Equity 38.46b / Shares 900.0m; r=8.57% [WACC]; 5y FCF grow -11.32% → 2.90% )
EPS Correlation: 26.76 | EPS CAGR: 12.00% | SUE: 0.84 | # QB: 0
Revenue Correlation: 82.58 | Revenue CAGR: 16.01% | SUE: 2.73 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.43 | Chg30d=+0.002 | Revisions Net=+2 | Analysts=17
EPS current Year (2026-12-31): EPS=3.29 | Chg30d=+0.036 | Revisions Net=+9 | Growth EPS=-6.7% | Growth Revenue=+43.3%
EPS next Year (2027-12-31): EPS=4.82 | Chg30d=+0.001 | Revisions Net=+6 | Growth EPS=+46.2% | Growth Revenue=+7.2%