(FITB) Fifth Third Bancorp - Ratings and Ratios
Loans, Deposits, Mortgages, Cards, Wealth
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.6% |
| Value at Risk 5%th | 45.0% |
| Relative Tail Risk | -4.41% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.20 |
| Alpha | -18.52 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.481 |
| Beta | 1.025 |
| Beta Downside | 1.364 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.84% |
| Mean DD | 13.01% |
| Median DD | 8.91% |
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 | 28,139m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1990-03-26 |
| Return 12m vs S&P 500 | -16.9% |
| Analyst Rating | 3.96 of 5 |
FITB Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 3.56% |
| Yield on Cost 5y | 7.00% |
| Yield CAGR 5y | 7.46% |
| Payout Consistency | 86.3% |
| Payout Ratio | 45.1% |
FITB Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 10.59% |
| CAGR/Max DD Calmar Ratio | 0.28 |
| CAGR/Mean DD Pain Ratio | 0.81 |
| Current Volume | 6571.7k |
| Average Volume | 6596.2k |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (2.41b TTM) > 0 and > 6% of Revenue (6% = 769.3m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.81pp (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 3.48b > 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 |
| (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: 1.67 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.72
| 1. Piotroski 3.0pt |
| 2. FCF Yield 37.48% |
| 3. FCF Margin 22.02% |
| 4. Debt/Equity 0.89 |
| 5. Debt/Ebitda 4.41 |
| 6. ROIC - WACC (= -1.12)% |
| 7. RoE 11.73% |
| 8. Rev. Trend 67.99% |
| 9. EPS Trend -21.46% |
What is the price of FITB shares?
Over the past week, the price has changed by -0.35%, over one month by +0.59%, over three months by -0.19% and over the past year by -6.67%.
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 | 18.5% |
| Analysts Target Price | 50.3 | 18.5% |
| ValueRay Target Price | 45.7 | 7.8% |
FITB Fundamental Data Overview November 15, 2025
P/E Trailing = 12.6696
P/E Forward = 10.4822
P/S = 3.4633
P/B = 1.4508
P/EG = 2.1386
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 = 5.08b 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 = 7.53b USD (28.14b + Debt 18.75b - CCE 39.36b)
Interest Coverage Ratio = 0.75 (Ebit TTM 3.06b / Interest Expense TTM 4.07b)
FCF Yield = 37.48% (FCF TTM 2.82b / Enterprise Value 7.53b)
FCF Margin = 22.02% (FCF TTM 2.82b / 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 7.53b / 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 = 5.62 (Net Debt 15.85b / FCF TTM 2.82b)
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 = 7.53% (E(28.14b)/V(46.89b) * Re(9.79%) + D(18.75b)/V(46.89b) * Rd(5.33%) * (1-Tc(0.22)))
Discount Rate = 9.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.23%
[DCF Debug] Terminal Value 70.39% ; FCFE base≈3.53b ; Y1≈3.21b ; Y5≈2.81b
Fair Price DCF = 57.49 (DCF Value 38.00b / 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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle