(FITB) Fifth Third Bancorp - NASDAQ
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 47.654m USD | Total Return: 38.9% in 12m
Avg Turnover: 382M
EPS Trend: -71.0%
Qual. Beats: -1
Rev. Trend: 77.7%
Qual. Beats: 0
Warnings
Share dilution 22.8% YoY
Tailwinds
No distinct edge detected
Fifth Third Bancorp (FITB) is a diversified financial services holding company headquartered in Cincinnati, Ohio. The firm operates through three primary segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. Its service suite includes traditional credit intermediation, residential mortgage servicing, investment management, and specialized financing for solar energy and home improvements.
As a diversified bank, FITB generates revenue primarily through net interest income-the spread between interest earned on loans and interest paid on deposits-and non-interest income from fiduciary and capital markets fees. The regional banking sector is currently characterized by heightened competition for low-cost deposits and a strategic focus on digital transformation to reduce overhead costs.
Investors may find additional valuation metrics and historical performance data on ValueRay to assist in their analysis.
- Net interest margin sensitivity to Federal Reserve interest rate policy
- Commercial loan demand fluctuations within the Midwestern manufacturing sector
- Credit quality performance across solar and home improvement lending portfolios
- Expansion of wealth management and advisory services fee income streams
- Regulatory capital requirement shifts impacting dividend growth and share buybacks
| Net Income: 2.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.83 > 1.0 |
| NWC/Revenue: -1.25k% < 20% (prev -860.7%; Δ -389.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.17b > Net Income 2.17b |
| Net Debt (16.0b) to EBITDA (3.38b): 4.73 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (830.3m) vs 12m ago 22.81% < -2% |
| Gross Margin: 66.60% > 18% (prev 59.80%; Δ 6.80% > 0.5%) |
| Asset Turnover: 5.36% > 50% (prev 6.06%; Δ -0.70% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 2.76b / Interest Expense TTM 3.96b) |
| A: -0.57 (Total Current Assets 4.08b - Total Current Liabilities 175b) / Total Assets 297b |
| B: 0.08 (Retained Earnings 25.2b / Total Assets 297b) |
| C: 0.01 (EBIT TTM 2.76b / Avg Total Assets 255b) |
| D: 0.13 (Book Value of Equity 34.1b / Total Liabilities 263b) |
| Altman-Z'' = -3.28 = D |
As of June 20, 2026, the stock is trading at USD 52.74 with a total of 11,882,300 shares traded.
Over the past week, the price has changed by -1.27%,
over one month by +10.80%,
over three months by +21.89% and
over the past year by +38.87%.
Fifth Third Bancorp has received a consensus analysts rating of 3.96. Therefore, it is recommended to buy FITB.
- StrongBuy: 9
- Buy: 5
- Hold: 10
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 57.5 | 9.1% |
P/E Trailing = 17.7037
P/E Forward = 12.8205
P/S = 5.2949
P/B = 1.4927
P/EG = 1.9141
Revenue TTM = 13.7b USD
EBIT TTM = 2.76b USD
EBITDA TTM = 3.38b USD
Long Term Debt = 18.8b USD (from longTermDebt, last quarter)
Short Term Debt = 1.29b USD (from shortTermDebt, last quarter)
Debt = 20.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 16.0b USD (calculated: Debt 20.0b - CCE 4.08b)
Enterprise Value = 63.6b USD (47.7b + Debt 20.0b - CCE 4.08b)
Interest Coverage Ratio = 0.70 (Ebit TTM 2.76b / Interest Expense TTM 3.96b)
EV/FCF = 32.06x (Enterprise Value 63.6b / FCF TTM 1.98b)
FCF Yield = 3.12% (FCF TTM 1.98b / Enterprise Value 63.6b)
FCF Margin = 14.53% (FCF TTM 1.98b / Revenue TTM 13.7b)
Net Margin = 15.91% (Net Income TTM 2.17b / Revenue TTM 13.7b)
Gross Margin = 66.60% ((Revenue TTM 13.7b - Cost of Revenue TTM 4.56b) / Revenue TTM)
Gross Margin QoQ = 67.29% (prev 71.36%)
Tobins Q-Ratio = 0.21 (Enterprise Value 63.6b / Total Assets 297b)
Interest Expense / Debt = 19.78% (Interest Expense 3.96b / Debt 20.0b)
Taxrate = 21.38% (591.0m / 2.76b)
NOPAT = 2.17b (EBIT 2.76b * (1 - 21.38%))
Current Ratio = 0.02 (Total Current Assets 4.08b / Total Current Liabilities 175b)
Debt / Equity = 0.59 (Debt 20.0b / totalStockholderEquity, last quarter 34.1b)
Debt / EBITDA = 4.73 (Net Debt 16.0b / EBITDA 3.38b)
Debt / FCF = 8.04 (Net Debt 16.0b / FCF TTM 1.98b)
Total Stockholder Equity = 24.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 2.17b / Total Assets 297b)
RoE = 8.86% (Net Income TTM 2.17b / Total Stockholder Equity 24.5b)
RoCE = 6.39% (EBIT 2.76b / Capital Employed (Equity 24.5b + L.T.Debt 18.8b))
RoIC = 0.73% (NOPAT 2.17b / Invested Capital 296b)
WACC = 10.90% (E(47.7b)/V(67.7b) * Re(8.95%) + D(20.0b)/V(67.7b) * Rd(19.78%) * (1-Tc(0.21)))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -46.67 | Cagr: 8.73%
[DCF] Terminal Value 64.19% ; FCFF base≈2.47b ; Y1≈2.16b ; Y5≈1.75b
[DCF] Fair Price = 4.23 (EV 19.8b - Net Debt 16.0b = Equity 3.83b / Shares 906.3m; r=10.90% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -71.00 | EPS CAGR: -4.38% | SUE: -2.10 | # QB: -1
Revenue Correlation: 77.67 | Revenue CAGR: 8.47% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.82 | Chg30d=-0.77% | Revisions=+33% | Analysts=17
EPS next Quarter (2026-09-30): EPS=0.87 | Chg30d=-1.05% | Revisions=+33% | Analysts=17
EPS current Year (2026-12-31): EPS=3.04 | Chg30d=-0.67% | Revisions=+43% | GrowthEPS=-13.9% | GrowthRev=+42.2%
EPS next Year (2027-12-31): EPS=4.88 | Chg30d=+0.08% | Revisions=+14% | GrowthEPS=+60.4% | GrowthRev=+7.8%
[Analyst] Revisions Ratio: +43%