Overview Dividends

(FITB) Fifth Third Bancorp - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3167731005

Loans, Deposits, Mortgages, Cards, Wealth

FITB EPS (Earnings per Share)

EPS Growth (3Y CAGR): -3.37%
EPS Trend (3Y Correlation): -21.5%

FITB Revenue

Revenue Growth (3Y CAGR): 14.08%
Revenue Trend (3Y Correlation): 68.0%

Description: FITB Fifth Third Bancorp October 14, 2025

Fifth Third Bancorp (NASDAQ: FITB) is a U.S.-based bank holding company that operates the Fifth Third Bank, National Association. It serves three primary segments: Commercial Banking (credit intermediation, cash-management, trade finance, asset-based and real-estate lending, syndicated finance); Consumer & Small Business Banking (deposits, residential mortgages, home-equity, credit cards, indirect auto/boat/RV financing, and solar-installation loans); and Wealth & Asset Management (retail brokerage, wealth planning, investment management, trust & estate services, and institutional advisory). The firm was founded in 1858 and is headquartered in Cincinnati, Ohio.

According to the most recent 10-K (FY 2023), FITB reported net income of roughly $1.2 billion and a return on assets (ROA) of 1.2%, both modestly above the regional-bank median of 1.0% % (source: S&P Global). Loan growth slowed to ~5% YoY, reflecting tighter credit standards amid a high-interest-rate environment, while deposits rose 3% driven largely by an increase in non-interest-bearing balances-a common defensive shift for regional banks. A key sector driver is the Federal Reserve’s policy stance: higher rates typically expand net-interest margins (NIM) for banks but can suppress loan demand and increase credit-risk-weighted assets, creating a trade-off that FITB must manage.

For analysts seeking a deeper quantitative view, ValueRay’s platform aggregates segment-level performance metrics and peer-adjusted valuation multiples that can help you test how sensitive FITB’s earnings are to changes in rate outlook and credit-loss assumptions.

FITB Stock Overview

Market Cap in USD	28,177m
Sub-Industry	Diversified Banks
IPO / Inception	1990-03-26

FITB Stock Ratings

Growth Rating	26.1%
Fundamental	63.7%
Dividend Rating	68.5%
Return 12m vs S&P 500	-18.6%
Analyst Rating	3.96 of 5

FITB Dividends

Dividend Yield 12m	3.63%
Yield on Cost 5y	7.55%
Annual Growth 5y	7.46%
Payout Consistency	90.7%
Payout Ratio	36.6%

FITB Growth Ratios

Growth Correlation 3m	-13.7%
Growth Correlation 12m	0%
Growth Correlation 5y	48.7%
CAGR 5y	10.36%
CAGR/Max DD 3y (Calmar Ratio)	0.27
CAGR/Mean DD 3y (Pain Ratio)	0.80
Sharpe Ratio 12m	-0.55
Alpha	-20.12
Beta	0.966
Volatility	28.08%
Current Volume	5377.6k
Average Volume 20d	7699.5k
Stop Loss	40.3 (-3.2%)
Signal	-0.18

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (2.41b TTM) > 0 and > 6% of Revenue (6% = 769.3m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 267.4% (prev -779.6%; Δ 1047 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 4.30b > Net Income 2.41b (YES >=105%, WARN >=100%)

Net Debt (15.85b) to EBITDA (3.59b) ratio: 4.41 <= 3.0 (WARN <= 3.5)

Current Ratio 7.75 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (670.9m) change vs 12m ago -2.22% (target <= -2.0% for YES)

Gross Margin 62.58% (prev 59.34%; Δ 3.25pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.00% (prev 6.13%; Δ -0.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.75 (EBITDA TTM 3.59b / Interest Expense TTM 4.07b) >= 6 (WARN >= 3)

Altman Z'' 1.67

(A) 0.16 = (Total Current Assets 39.36b - Total Current Liabilities 5.08b) / Total Assets 212.90b

(B) 0.12 = Retained Earnings (Balance) 25.06b / Total Assets 212.90b

(D) 0.12 = Book Value of Equity 23.83b / Total Liabilities 191.80b

Total Rating: 1.67 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.68

1. Piotroski 3.0pt = -2.0

2. FCF Yield 49.13% = 5.0

3. FCF Margin 29.01% = 7.25

4. Debt/Equity 0.89 = 2.12

5. Debt/Ebitda 4.41 = -2.50

6. ROIC - WACC (= -0.95)% = -1.19

7. RoE 11.73% = 0.98

8. Rev. Trend 67.99% = 5.10

9. EPS Trend -21.46% = -1.07

What is the price of FITB shares?

As of November 02, 2025, the stock is trading at USD 41.62 with a total of 5,377,554 shares traded.
Over the past week, the price has changed by -2.37%, over one month by -6.58%, over three months by +1.01% and over the past year by -1.22%.

Is Fifth Third Bancorp a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Fifth Third Bancorp is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.68 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FITB is around 40.69 USD . This means that FITB is currently overvalued and has a potential downside of -2.23%.

Is FITB a buy, sell or hold?

Fifth Third Bancorp has received a consensus analysts rating of 3.96. Therefore, it is recommended to buy FITB.

Strong Buy: 9
Buy: 5
Hold: 10
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the FITB price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	50.5	21.2%
Analysts Target Price	50.5	21.2%
ValueRay Target Price	44.9	7.9%

FITB Fundamental Data Overview October 25, 2025

Market Cap USD = 28.18b (28.18b USD * 1.0 USD.USD)
P/E Trailing = 12.5752
P/E Forward = 11.0497
P/S = 3.468
P/B = 1.5398
P/EG = 2.5125
Beta = 0.966
Revenue TTM = 12.82b USD
EBIT TTM = 3.06b USD
EBITDA TTM = 3.59b USD
Long Term Debt = 14.34b USD (from longTermDebt, last fiscal year)
Short Term Debt = 5.08b USD (from shortTermDebt, last quarter)
Debt = 18.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 15.85b USD (from netDebt column, last quarter)
Enterprise Value = 7.57b USD (28.18b + Debt 18.75b - CCE 39.36b)
Interest Coverage Ratio = 0.75 (Ebit TTM 3.06b / Interest Expense TTM 4.07b)
FCF Yield = 49.13% (FCF TTM 3.72b / Enterprise Value 7.57b)
FCF Margin = 29.01% (FCF TTM 3.72b / Revenue TTM 12.82b)
Net Margin = 18.81% (Net Income TTM 2.41b / Revenue TTM 12.82b)
Gross Margin = 62.58% ((Revenue TTM 12.82b - Cost of Revenue TTM 4.80b) / Revenue TTM)
Gross Margin QoQ = 63.76% (prev 63.82%)
Tobins Q-Ratio = 0.04 (Enterprise Value 7.57b / Total Assets 212.90b)
Interest Expense / Debt = 5.33% (Interest Expense 999.0m / Debt 18.75b)
Taxrate = 22.46% (188.0m / 837.0m)
NOPAT = 2.38b (EBIT 3.06b * (1 - 22.46%))
Current Ratio = 7.75 (Total Current Assets 39.36b / Total Current Liabilities 5.08b)
Debt / Equity = 0.89 (Debt 18.75b / totalStockholderEquity, last quarter 21.11b)
Debt / EBITDA = 4.41 (Net Debt 15.85b / EBITDA 3.59b)
Debt / FCF = 4.26 (Net Debt 15.85b / FCF TTM 3.72b)
Total Stockholder Equity = 20.57b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 2.41b / Total Assets 212.90b)
RoE = 11.73% (Net Income TTM 2.41b / Total Stockholder Equity 20.57b)
RoCE = 8.77% (EBIT 3.06b / Capital Employed (Equity 20.57b + L.T.Debt 14.34b))
RoIC = 6.44% (NOPAT 2.38b / Invested Capital 36.86b)
WACC = 7.40% (E(28.18b)/V(46.93b) * Re(9.57%) + D(18.75b)/V(46.93b) * Rd(5.33%) * (1-Tc(0.22)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.23%
[DCF Debug] Terminal Value 71.17% ; FCFE base≈3.58b ; Y1≈3.26b ; Y5≈2.86b
Fair Price DCF = 60.27 (DCF Value 39.83b / Shares Outstanding 661.0m; 5y FCF grow -11.32% → 3.0% )
EPS Correlation: -21.46 | EPS CAGR: -3.37% | SUE: 0.0 | # QB: 0
Revenue Correlation: 67.99 | Revenue CAGR: 14.08% | SUE: 0.72 | # QB: 0

Additional Sources for FITB Stock

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Fund Manager Positions: Dataroma | Stockcircle