(FITB) Fifth Third Bancorp - Overview
Stock: Loans, Deposits, Mortgages, Credit Cards, Wealth Management
| Risk 5d forecast | |
|---|---|
| Volatility | 27.6% |
| Relative Tail Risk | -9.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.74 |
| Alpha | 10.11 |
| Character TTM | |
|---|---|
| Beta | 0.996 |
| Beta Downside | 1.264 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.20% |
| CAGR/Max DD | 0.53 |
EPS (Earnings per Share)
Revenue
Description: FITB Fifth Third Bancorp February 11, 2026
Fifth Third Bancorp (NASDAQ: FITB) is the holding company for Fifth Third Bank, NA, delivering a diversified suite of banking and wealth-management services across the United States. Its operations are organized into three primary segments: Commercial Banking (credit intermediation, cash management, trade finance, and syndicated loans for corporate and government clients); Consumer & Small Business Banking (deposits, loans, credit cards, home-equity, mortgage origination/servicing, and dealer-originated consumer financing); and Wealth & Asset Management (retail brokerage, wealth planning, investment management, trust, and institutional advisory services).
In the most recent quarter (Q4 2025), FITB reported earnings per share of $0.84, a 7 % year-over-year increase, driven by a net interest margin (NIM) of 3.15 %-up from 2.96 % in Q4 2024-as higher policy rates widened loan-to-deposit spreads. Total loan balances grew 4.2 % YoY to $71 billion, with commercial loan growth (2.8 %) outpacing consumer loan growth (1.5 %). The bank’s Common Equity Tier 1 (CET1) ratio stood at 12.3 %, comfortably above the 8 % regulatory minimum, while return on equity (ROE) was 10.9 %, consistent with the diversified-bank sector average.
Key macro drivers remain the Federal Reserve’s stance on rates and the health of the commercial-real-estate (CRE) market. The Fed’s policy rate is currently 5.25 %-the highest in two decades-supporting NIM but increasing funding costs for borrowers, especially in the CRE segment where vacancy rates have risen to 7.4 % nationally, pressuring loan-to-value ratios. Simultaneously, small-business loan demand is modestly expanding (≈1.8 % YoY) as consumer confidence rebounds, offering upside potential for the Consumer & Small Business segment.
For a deeper, data-driven view of FITB’s valuation dynamics, you may find it useful to explore the analytics platform ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 2.52b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.54 > 1.0 |
| NWC/Revenue: -243.4% < 20% (prev -813.0%; Δ 569.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.58b > Net Income 2.52b |
| Net Debt (11.02b) to EBITDA (3.62b): 3.05 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (669.2m) vs 12m ago -1.81% < -2% |
| Gross Margin: 65.29% > 18% (prev 0.59%; Δ 6470 % > 0.5%) |
| Asset Turnover: 6.02% > 50% (prev 6.14%; Δ -0.12% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 3.62b / Interest Expense TTM 3.92b) |
Altman Z'' -0.37
| A: -0.15 (Total Current Assets 143.51b - Total Current Liabilities 174.83b) / Total Assets 214.38b |
| B: 0.12 (Retained Earnings 25.49b / Total Assets 214.38b) |
| C: 0.01 (EBIT TTM 2.30b / Avg Total Assets 213.65b) |
| D: 0.13 (Book Value of Equity 24.43b / Total Liabilities 192.65b) |
| Altman-Z'' Score: -0.37 = B |
Beneish M 1.00
| DSRI: 18.75 (Receivables 120.40b/6.52b, Revenue 12.87b/13.07b) |
| GMI: 0.91 (GM 65.29% / 59.26%) |
| AQI: 0.47 (AQ_t 0.32 / AQ_t-1 0.68) |
| SGI: 0.98 (Revenue 12.87b / 13.07b) |
| TATA: -0.00 (NI 2.52b - CFO 3.58b) / TA 214.38b) |
| Beneish M-Score: 11.17 (Cap -4..+1) = D |
What is the price of FITB shares?
Over the past week, the price has changed by -0.49%, over one month by +5.55%, over three months by +28.61% and over the past year by +23.63%.
Is FITB a buy, sell or hold?
- StrongBuy: 9
- Buy: 5
- Hold: 10
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FITB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 57.3 | 8.4% |
| Analysts Target Price | 57.3 | 8.4% |
FITB Fundamental Data Overview February 18, 2026
P/E Forward = 13.089
P/S = 5.7159
P/B = 2.3843
P/EG = 2.0444
Revenue TTM = 12.87b USD
EBIT TTM = 2.30b USD
EBITDA TTM = 3.62b USD
Long Term Debt = 13.59b USD (from longTermDebt, last quarter)
Short Term Debt = 926.0m USD (from shortTermDebt, last quarter)
Debt = 14.52b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.02b USD (from netDebt column, last quarter)
Enterprise Value = 39.90b USD (47.76b + Debt 14.52b - CCE 22.38b)
Interest Coverage Ratio = 0.59 (Ebit TTM 2.30b / Interest Expense TTM 3.92b)
EV/FCF = 11.13x (Enterprise Value 39.90b / FCF TTM 3.58b)
FCF Yield = 8.99% (FCF TTM 3.58b / Enterprise Value 39.90b)
FCF Margin = 27.86% (FCF TTM 3.58b / Revenue TTM 12.87b)
Net Margin = 19.61% (Net Income TTM 2.52b / Revenue TTM 12.87b)
Gross Margin = 65.29% ((Revenue TTM 12.87b - Cost of Revenue TTM 4.47b) / Revenue TTM)
Gross Margin QoQ = 71.36% (prev 63.76%)
Tobins Q-Ratio = 0.19 (Enterprise Value 39.90b / Total Assets 214.38b)
Interest Expense / Debt = 6.47% (Interest Expense 939.0m / Debt 14.52b)
Taxrate = 19.85% (181.0m / 912.0m)
NOPAT = 1.84b (EBIT 2.30b * (1 - 19.85%))
Current Ratio = 0.82 (Total Current Assets 143.51b / Total Current Liabilities 174.83b)
Debt / Equity = 0.67 (Debt 14.52b / totalStockholderEquity, last quarter 21.72b)
Debt / EBITDA = 3.05 (Net Debt 11.02b / EBITDA 3.62b)
Debt / FCF = 3.07 (Net Debt 11.02b / FCF TTM 3.58b)
Total Stockholder Equity = 21.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 2.52b / Total Assets 214.38b)
RoE = 11.96% (Net Income TTM 2.52b / Total Stockholder Equity 21.09b)
RoCE = 6.63% (EBIT 2.30b / Capital Employed (Equity 21.09b + L.T.Debt 13.59b))
RoIC = 4.92% (NOPAT 1.84b / Invested Capital 37.45b)
WACC = 8.56% (E(47.76b)/V(62.27b) * Re(9.58%) + D(14.52b)/V(62.27b) * Rd(6.47%) * (1-Tc(0.20)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.36%
[DCF Debug] Terminal Value 74.49% ; FCFF base≈3.12b ; Y1≈2.83b ; Y5≈2.48b
Fair Price DCF = 32.37 (EV 40.15b - Net Debt 11.02b = Equity 29.13b / Shares 900.0m; r=8.56% [WACC]; 5y FCF grow -11.32% → 2.90% )
EPS Correlation: 26.76 | EPS CAGR: 12.00% | SUE: 0.84 | # QB: 0
Revenue Correlation: 82.58 | Revenue CAGR: 16.01% | SUE: 2.73 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.37 | Chg30d=-0.036 | Revisions Net=+3 | Analysts=19
EPS current Year (2026-12-31): EPS=3.25 | Chg30d=-0.032 | Revisions Net=+8 | Growth EPS=-7.8% | Growth Revenue=+43.3%
EPS next Year (2027-12-31): EPS=4.84 | Chg30d=-0.025 | Revisions Net=+3 | Growth EPS=+48.7% | Growth Revenue=+7.3%