FITB Stock Analysis: Fifth Third Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 47.530m USD | 12M Return: 22.6% | US3167731005 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 261M
EPS Trend: -27.7%
Qual. Beats: 1
Rev. Trend: 78.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality
Fifth Third Bancorp (FITB) is a U.S. bank holding company headquartered in Cincinnati, Ohio, that conducts operations through its primary subsidiary, Fifth Third Bank, National Association. Founded in 1858, the company is classified within the Diversified Banks sub-industry and operates across three reporting segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management.
The Commercial Banking segment serves business, government, and professional customers with lending, depository, cash management, foreign exchange, trade finance, derivatives, capital markets, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance products. The Consumer and Small Business Banking segment offers deposit and loan products to individuals and small businesses, including residential mortgages, home equity loans and lines of credit, credit cards, automobile and indirect lending, and home improvement and solar installation loans originated through contractors and installers.
The Wealth and Asset Management segment provides wealth planning, investment management, banking, insurance, trust, and estate services to individuals, companies, and not-for-profit organizations, along with retail brokerage services for individual clients and advisory services for institutional clients. As a bank holding company, Fifth Third is subject to regulation and supervision by the Federal Reserve, and its diversified segment structure reflects the integrated model common to U.S. regional banks that combine traditional lending and deposit-taking with fee-based wealth management activities.
- Net interest margin compresses as Fed cuts rates
- Commercial Banking loan growth drives revenue amid deposit cost pressure
- Wealth and Asset Management fees rise with equity market gains
| Net Income: 2.35b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.61 > 1.0 |
| NWC/Revenue: -1.02k% < 20% (prev -861.2%; Δ -160.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.67b > Net Income 2.35b |
| Net Debt (-66.7b) to EBITDA (3.68b): -18.13 < 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 September 22, 2026, the stock is trading at USD 53.31 with a total of 5,170,572 shares traded. Over the past week, the price has changed by -1.97%, over one month by -2.75%, over three months by +0.15% and over the past year by +22.62%.
Current recommended Stop Loss: 51.20 (which is 4% or 1.9 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 | 62.9 | 18% |
P/E Trailing = 18.3895
P/E Forward = 11.1111
P/S = 4.7083
P/B = 1.535
P/EG = 1.7362
Revenue TTM = 14.9b USD
EBIT TTM = 2.99b USD
EBITDA TTM = 3.68b USD
Long Term Debt = 17.6b USD (from longTermDebt, last quarter)
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 = 47.5b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.72 (Ebit TTM 2.99b / Interest Expense TTM 4.13b)
EV/FCF = 13.62x (Enterprise Value 47.5b / FCF TTM 3.49b)
FCF Yield = 7.34% (FCF TTM 3.49b / Enterprise Value 47.5b)
FCF Margin = 23.47% (FCF TTM 3.49b / 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 = 0.16 (Enterprise Value 47.5b / 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 = -18.13 (Net Debt -66.7b / EBITDA 3.68b)
Debt / FCF = -19.10 (Net Debt -66.7b / FCF TTM 3.49b)
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 = 6.58% (EBIT 2.99b / Capital Employed (Equity 27.8b + L.T.Debt 17.6b))
RoIC = 3.77% (NOPAT 2.35b / Invested Capital 62.2b)
WACC = 10.83% (E(47.5b)/V(69.8b) * Re(9.08%) + D(22.3b)/V(69.8b) * Rd(18.56%) * (1-Tc(0.22)))
Discount Rate = 9.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 62.79 | Cagr: 13.37%
[DCF] Terminal Value 66.21% ; FCFF base≈3.58b ; Y1≈3.41b ; Y5≈3.25b
[DCF] Fair Price = 113.4 (EV 36.2b - Net Debt -66.7b = Equity 103b / Shares 906.9m; r=10.83% [WACC]; 5y FCF grow -6.13% → 2.50% )
EPS Correlation: -27.71 | EPS CAGR: -1.66% | SUE: 1.05 | # QB: 1
Revenue Correlation: 78.81 | Revenue CAGR: 7.18% | SUE: 0.81 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.84 | Chg30d=+0.48% | Revisions=-56% | Analysts=15
EPS current Year (2026-12-31): EPS=3.07 | Chg30d=+0.00% | Revisions=-11% | GrowthEPS=-13.1% | GrowthRev=+42.2%
EPS next Year (2027-12-31): EPS=4.89 | Chg30d=+0.00% | Revisions=+59% | GrowthEPS=+59.5% | GrowthRev=+8.6%
[Analyst] Revisions Ratio: -2% (up=21, down=22)