(FITB) Fifth Third Bancorp - Ratings and Ratios
Loans, Deposits, Mortgages, Cards, Wealth
Dividends
| Dividend Yield | 3.32% |
| Yield on Cost 5y | 6.65% |
| Yield CAGR 5y | 7.46% |
| Payout Consistency | 86.3% |
| Payout Ratio | 45.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 26.1% |
| Value at Risk 5%th | 40.8% |
| Relative Tail Risk | -4.99% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.01 |
| Alpha | -15.06 |
| CAGR/Max DD | 0.43 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.535 |
| Beta | 1.020 |
| Beta Downside | 1.368 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.84% |
| Mean DD | 12.77% |
| Median DD | 8.39% |
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.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.41b TTM) > 0 and > 6% of Revenue (6% = 769.3m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.56pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -876.0% (prev -779.6%; Δ -96.42pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 3.48b > Net Income 2.41b (YES >=105%, WARN >=100%) |
| Net Debt (16.04b) to EBITDA (3.59b) ratio: 4.46 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.35 (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'' -2.85
| (A) -0.53 = (Total Current Assets 59.51b - Total Current Liabilities 171.83b) / Total Assets 212.90b |
| (B) 0.12 = Retained Earnings (Balance) 25.06b / Total Assets 212.90b |
| (C) 0.01 = EBIT TTM 3.06b / Avg Total Assets 213.61b |
| (D) 0.12 = Book Value of Equity 23.83b / Total Liabilities 191.80b |
| Total Rating: -2.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.23
| 1. Piotroski 4.0pt |
| 2. FCF Yield -38.82% |
| 3. FCF Margin 26.18% |
| 4. Debt/Equity 0.90 |
| 5. Debt/Ebitda 4.46 |
| 6. ROIC - WACC (= -1.11)% |
| 7. RoE 11.73% |
| 8. Rev. Trend 86.61% |
| 9. EPS Trend -0.28% |
What is the price of FITB shares?
Over the past week, the price has changed by +4.51%, over one month by +6.85%, over three months by +0.45% and over the past year by -0.49%.
Is FITB a buy, sell or hold?
- 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 | 50.3 | 10.6% |
| Analysts Target Price | 50.3 | 10.6% |
| ValueRay Target Price | 49.9 | 9.8% |
FITB Fundamental Data Overview November 29, 2025
P/E Trailing = 12.9731
P/E Forward = 10.6952
P/S = 3.5359
P/B = 1.4813
P/EG = 2.1834
Beta = 1.011
Revenue TTM = 12.82b USD
EBIT TTM = 3.06b USD
EBITDA TTM = 3.59b USD
Long Term Debt = 13.68b USD (from longTermDebt, last quarter)
Short Term Debt = 5.26b USD (from shortTermDebt, last quarter)
Debt = 18.94b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 16.04b USD (from netDebt column, last quarter)
Enterprise Value = -8.65b USD (28.73b + Debt 18.94b - CCE 56.31b)
Interest Coverage Ratio = 0.75 (Ebit TTM 3.06b / Interest Expense TTM 4.07b)
FCF Yield = -38.82% (FCF TTM 3.36b / Enterprise Value -8.65b)
FCF Margin = 26.18% (FCF TTM 3.36b / 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 (set to none) (Enterprise Value -8.65b / Total Assets 212.90b)
Interest Expense / Debt = 5.28% (Interest Expense 999.0m / Debt 18.94b)
Taxrate = 22.46% (188.0m / 837.0m)
NOPAT = 2.38b (EBIT 3.06b * (1 - 22.46%))
Current Ratio = 0.35 (Total Current Assets 59.51b / Total Current Liabilities 171.83b)
Debt / Equity = 0.90 (Debt 18.94b / totalStockholderEquity, last quarter 21.11b)
Debt / EBITDA = 4.46 (Net Debt 16.04b / EBITDA 3.59b)
Debt / FCF = 4.78 (Net Debt 16.04b / FCF TTM 3.36b)
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 = 8.94% (EBIT 3.06b / Capital Employed (Equity 20.57b + L.T.Debt 13.68b))
RoIC = 6.40% (NOPAT 2.38b / Invested Capital 37.09b)
WACC = 7.51% (E(28.73b)/V(47.67b) * Re(9.77%) + D(18.94b)/V(47.67b) * Rd(5.28%) * (1-Tc(0.22)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.23%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈3.85b ; Y1≈3.50b ; Y5≈3.07b
Fair Price DCF = 62.89 (DCF Value 41.57b / Shares Outstanding 661.0m; 5y FCF grow -11.32% → 3.0% )
EPS Correlation: -0.28 | EPS CAGR: 0.0% | SUE: 0.0 | # QB: 0
Revenue Correlation: 86.61 | Revenue CAGR: 14.69% | SUE: 0.72 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.35 | Chg30d=-0.145 | Revisions Net=+2 | Analysts=13
EPS next Year (2026-12-31): EPS=3.32 | Chg30d=-0.119 | Revisions Net=-9 | Growth EPS=-3.6% | Growth Revenue=+37.0%
Additional Sources for FITB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle