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

Diversified Banks
Market Cap in USD: 31,829m

IPO / Inception: 1990-03-26
Return 12m vs S&P 500: -2.29%

EPS (Earnings per Share)

EPS CAGR: 0.00%
EPS Trend: -0.3%

Last SUE: 0.00
Qual. Beats: 0

Revenue

Rev. CAGR: 14.69%
Rev. Trend: 86.6%

Last SUE: 0.72
Qual. Beats: 0

Dividends

Dividend Yield	3.16%
Yield on Cost 5y	6.70%
Yield CAGR 5y	7.46%
Payout Consistency	86.3%
Payout Ratio	46.0%

Risk via 5d forecast
Volatility	25.2%
Value at Risk 5%th	38.7%
Relative Tail Risk	-6.44%

Reward TTM
Sharpe Ratio	0.28
Alpha	-3.98
CAGR/Max DD	0.51

Character TTM
Hurst Exponent	0.581
Beta	1.023
Beta Downside	1.351

Drawdowns 3y
Max DD	37.84%
Mean DD	12.74%
Median DD	8.39%

Description: FITB Fifth Third Bancorp December 17, 2025

Fifth Third Bancorp (NASDAQ: FITB) is a U.S. bank holding company that operates Fifth Third Bank through three primary segments: Commercial Banking, Consumer & Small Business Banking, and Wealth & Asset Management. The Commercial Banking arm delivers credit intermediation, cash-management, trade finance, and syndicated loan services to corporate and government clients. The Consumer & Small Business segment offers deposits, mortgages, home-equity, credit cards, and specialty financing (e.g., auto-dealer and solar loans). The Wealth & Asset Management division provides brokerage, investment-management, trust, and advisory services to individuals, institutions, and non-profits.

As of the latest quarterly report (Q3 2024), FITB reported a net interest margin of 3.45%, a 5% year-over-year increase driven by a higher yield curve, and loan growth of 4.2% across its commercial and consumer portfolios. The bank’s efficiency ratio improved to 58.9%, reflecting tighter cost control amid rising operating expenses. Key macro drivers include the Federal Reserve’s policy stance-higher rates boost net interest income but also pressure credit quality-and regional housing market dynamics that affect mortgage originations and home-equity demand.

For a deeper, data-driven assessment of FITB’s valuation and risk profile, consider exploring the detailed analytics available on ValueRay.

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

(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) 56.05

1. Piotroski 4.0pt

2. FCF Yield -60.51%

3. FCF Margin 26.18%

4. Debt/Equity 0.90

5. Debt/Ebitda 4.46

6. ROIC - WACC (= -1.25)%

7. RoE 11.73%

8. Rev. Trend 86.61%

9. EPS Trend -0.28%

What is the price of FITB shares?

As of December 18, 2025, the stock is trading at USD 47.75 with a total of 6,646,974 shares traded.
Over the past week, the price has changed by +0.42%, over one month by +16.12%, over three months by +4.93% and over the past year by +9.89%.

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	50.7	6.2%
Analysts Target Price	50.7	6.2%
ValueRay Target Price	53.4	11.7%

FITB Fundamental Data Overview December 13, 2025

Market Cap USD = 31.83b (31.83b USD * 1.0 USD.USD)
P/E Trailing = 14.4595
P/E Forward = 11.976
P/S = 3.9175
P/B = 1.6542
P/EG = 2.4444
Beta = 1.007
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 = -5.55b USD (31.83b + Debt 18.94b - CCE 56.31b)
Interest Coverage Ratio = 0.75 (Ebit TTM 3.06b / Interest Expense TTM 4.07b)
FCF Yield = -60.51% (FCF TTM 3.36b / Enterprise Value -5.55b)
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 = -0.03 (set to none) (Enterprise Value -5.55b / 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 = 7.66% (E(31.83b)/V(50.77b) * Re(9.78%) + D(18.94b)/V(50.77b) * Rd(5.28%) * (1-Tc(0.22)))
Discount Rate = 9.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.23%
[DCF Debug] Terminal Value 70.43% ; FCFE base≈3.85b ; Y1≈3.50b ; Y5≈3.07b
Fair Price DCF = 62.80 (DCF Value 41.51b / 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=0.40 | Chg30d=+0.046 | Revisions Net=+2 | Analysts=13
EPS next Year (2026-12-31): EPS=3.30 | Chg30d=+0.032 | Revisions Net=-9 | Growth EPS=-5.1% | Growth Revenue=+36.5%

Additional Sources for FITB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle