FITB Stock Analysis: Fifth Third Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 53.808m USD | 12M Return: 38.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 407M
EPS Trend: -35.1%
Qual. Beats: -1
Rev. Trend: 78.8%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Fifth Third Bancorp is a US bank holding company headquartered in Cincinnati, Ohio, founded in 1858. Through its principal subsidiary, Fifth Third Bank, N.A., it operates across three business segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. Its offerings span credit intermediation, treasury and capital markets services, deposit and loan products, residential mortgage origination and servicing, and wealth planning, investment management, and trust services for individuals, businesses, and institutional clients.
Classified within the Financials sector and the GICS Diversified Banks sub-industry, Fifth Third is a large-cap US bank whose multi-segment model combines commercial lending, retail and small business banking, and asset management. The company trades on NASDAQ under the ticker FITB and operates as a nationally chartered bank subject to the regulatory framework governing insured depository institutions in the United States.
- Net interest margin compresses as Fed cuts rates
- Commercial loan growth fuels net interest income expansion
- Wealth management fees decline on equity market correction
| Net Income: 2.35b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.86 > 1.0 |
| NWC/Revenue: -1.02k% < 20% (prev -861.2%; Δ -160.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.17b > Net Income 2.35b |
| Net Debt (-66.7b) to EBITDA (3.40b): -19.63 < 3 |
| Current Ratio: 0.37 > 1.5 & < 3 |
| Outstanding Shares: last quarter (916.0m) vs 12m ago 35.89% < -2% |
| Gross Margin: 68.50% > 18% (prev 60.96%; Δ 7.54% > 0.5%) |
| Asset Turnover: 5.83% > 50% (prev 6.11%; Δ -0.28% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBIT TTM 2.99b / Interest Expense TTM 4.13b) |
| A: -0.51 (Total Current Assets 89.8b - Total Current Liabilities 242b) / Total Assets 300b |
| B: 0.09 (Retained Earnings 25.6b / Total Assets 300b) |
| C: 0.01 (EBIT TTM 2.99b / Avg Total Assets 255b) |
| D: 0.13 (Book Value of Equity 34.4b / Total Liabilities 266b) |
| Altman-Z'' = -2.83 = D |
As of July 21, 2026, the stock is trading at USD 57.40 with a total of 4,489,303 shares traded. Over the past week, the price has changed by +0.38%, over one month by +7.83%, over three months by +13.39% and over the past year by +38.15%.
Current recommended Stop Loss: 54.10 (which is 5.7% or 2.3 ATR below the current price).
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 | 60.8 | 5.9% |
P/E Trailing = 19.9899
P/E Forward = 14.1243
P/S = 5.9786
P/B = 1.6449
P/EG = 2.1092
Revenue TTM = 14.9b USD
EBIT TTM = 2.99b USD
EBITDA TTM = 3.40b USD
Long Term Debt = 13.6b USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.63b USD (from shortTermDebt, last quarter)
Debt = 22.3b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -66.7b USD (calculated: Debt 22.3b - CCE 88.9b)
Enterprise Value = 53.8b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.72 (Ebit TTM 2.99b / Interest Expense TTM 4.13b)
EV/FCF = 27.12x (Enterprise Value 53.8b / FCF TTM 1.98b)
FCF Yield = 3.69% (FCF TTM 1.98b / Enterprise Value 53.8b)
FCF Margin = 13.34% (FCF TTM 1.98b / Revenue TTM 14.9b)
Net Margin = 15.77% (Net Income TTM 2.35b / Revenue TTM 14.9b)
Gross Margin = 68.50% ((Revenue TTM 14.9b - Cost of Revenue TTM 4.69b) / Revenue TTM)
Gross Margin QoQ = 70.98% (prev 67.29%)
Tobins Q-Ratio = 0.18 (Enterprise Value 53.8b / Total Assets 300b)
Interest Expense / Debt = 18.56% (Interest Expense 4.13b / Debt 22.3b)
Taxrate = 21.59% (646.0m / 2.99b)
NOPAT = 2.35b (EBIT 2.99b * (1 - 21.59%))
Current Ratio = 0.37 (Total Current Assets 89.8b / Total Current Liabilities 242b)
Debt / Equity = 0.65 (Debt 22.3b / totalStockholderEquity, last quarter 34.4b)
Debt / EBITDA = -19.63 (Net Debt -66.7b / EBITDA 3.40b)
Debt / FCF = -33.61 (Net Debt -66.7b / FCF TTM 1.98b)
Total Stockholder Equity = 27.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 2.35b / Total Assets 300b)
RoE = 8.43% (Net Income TTM 2.35b / Total Stockholder Equity 27.8b)
RoCE = 7.22% (EBIT 2.99b / Capital Employed (Equity 27.8b + L.T.Debt 13.6b))
RoIC = 3.77% (NOPAT 2.35b / Invested Capital 62.2b)
WACC = 10.75% (E(53.8b)/V(76.1b) * Re(9.18%) + D(22.3b)/V(76.1b) * Rd(18.56%) * (1-Tc(0.22)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 62.79 | Cagr: 13.37%
[DCF] Terminal Value 64.69% ; FCFF base≈2.47b ; Y1≈2.16b ; Y5≈1.75b
[DCF] Fair Price = 95.79 (EV 20.1b - Net Debt -66.7b = Equity 86.8b / Shares 906.3m; r=10.75% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -35.12 | EPS CAGR: -2.27% | SUE: -3.39 | # QB: -1
Revenue Correlation: 78.81 | Revenue CAGR: 7.18% | SUE: 0.81 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.84 | Chg30d=-1.00% | Revisions=+44% | Analysts=16
EPS next Quarter (2026-09-30): EPS=0.89 | Chg30d=-2.91% | Revisions=+0% | Analysts=16
EPS current Year (2026-12-31): EPS=3.07 | Chg30d=+0.56% | Revisions=+36% | GrowthEPS=-13.0% | GrowthRev=+42.1%
EPS next Year (2027-12-31): EPS=4.89 | Chg30d=+0.17% | Revisions=+18% | GrowthEPS=+59.3% | GrowthRev=+8.6%
[Analyst] Revisions Ratio: +32% (up=19, down=9)