FITB Stock Analysis: Fifth Third Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 47.929m USD | 12M Return: 30.8% | US3167731005 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 364M
EPS Trend: 7.0%
Qual. Beats: 2
Rev. Trend: 78.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
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: 2.56b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.43 > 1.0 |
| NWC/Revenue: -1.48k% < 20% (prev -876.0%; Δ -602.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.45b > Net Income 2.56b |
| Net Debt (14.1b) to EBITDA (3.99b): 3.52 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (917.1m) vs 12m ago 36.70% < -2% |
| Gross Margin: 69.91% > 18% (prev 62.58%; Δ 7.33% > 0.5%) |
| Asset Turnover: 6.26% > 50% (prev 6.02%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 0.75 > 6 (EBIT TTM 3.26b / Interest Expense TTM 4.36b) |
| A: -0.79 (Total Current Assets 4.09b - Total Current Liabilities 242b) / Total Assets 301b |
| B: 0.09 (Retained Earnings 26.1b / Total Assets 301b) |
| C: 0.01 (EBIT TTM 3.26b / Avg Total Assets 257b) |
| D: 0.12 (Book Value of Equity 33.3b / Total Liabilities 268b) |
| Altman-Z'' = -4.68 = D |
As of November 12, 2026, the stock is trading at USD 54.40 with a total of 3,835,025 shares traded. Over the past week, the price has changed by -0.58%, over one month by +7.04%, over three months by -4.77% and over the past year by +30.76%.
Current recommended Stop Loss: 52.40 (which is 3.7% or 1.5 ATR below the current price).
Fifth Third Bancorp has received a consensus analysts rating of 4.45. Therefore, it is recommended to buy FITB.
- StrongBuy: 14
- Buy: 4
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 61.5 | 13.1% |
P/E Trailing = 17.7987
P/E Forward = 10.9051
P/S = 4.2959
P/B = 1.5524
P/EG = 1.7044
Revenue TTM = 16.1b USD
EBIT TTM = 3.26b USD
EBITDA TTM = 3.99b USD
Long Term Debt = 16.9b USD (from longTermDebt, last quarter)
Short Term Debt = 1.20b USD (from shortTermDebt, last quarter)
Debt = 18.1b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.1b USD (calculated: Debt 18.1b - CCE 4.09b)
Enterprise Value = 62.0b USD (47.9b + Debt 18.1b - CCE 4.09b)
Interest Coverage Ratio = 0.75 (Ebit TTM 3.26b / Interest Expense TTM 4.36b)
EV/FCF = 22.34x (Enterprise Value 62.0b / FCF TTM 2.77b)
FCF Yield = 4.48% (FCF TTM 2.77b / Enterprise Value 62.0b)
FCF Margin = 17.25% (FCF TTM 2.77b / Revenue TTM 16.1b)
Net Margin = 15.94% (Net Income TTM 2.56b / Revenue TTM 16.1b)
Gross Margin = 69.91% ((Revenue TTM 16.1b - Cost of Revenue TTM 4.84b) / Revenue TTM)
Gross Margin QoQ = 70.06% (prev 70.98%)
Tobins Q-Ratio = 0.21 (Enterprise Value 62.0b / Total Assets 301b)
Interest Expense / Debt = 24.04% (Interest Expense 4.36b / Debt 18.1b)
Taxrate = 21.45% (700.0m / 3.26b)
NOPAT = 2.56b (EBIT 3.26b * (1 - 21.45%))
Current Ratio = 0.02 (Total Current Assets 4.09b / Total Current Liabilities 242b)
Debt / Equity = 0.54 (Debt 18.1b / totalStockholderEquity, last quarter 33.3b)
Debt / EBITDA = 3.52 (Net Debt 14.1b / EBITDA 3.99b)
Debt / FCF = 5.06 (Net Debt 14.1b / FCF TTM 2.77b)
Total Stockholder Equity = 30.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 2.56b / Total Assets 301b)
RoE = 8.30% (Net Income TTM 2.56b / Total Stockholder Equity 30.9b)
RoCE = 6.82% (EBIT 3.26b / Capital Employed (Equity 30.9b + L.T.Debt 16.9b))
RoIC = 0.85% (NOPAT 2.56b / Invested Capital 300b)
WACC = 11.27% (E(47.9b)/V(66.1b) * Re(8.39%) + D(18.1b)/V(66.1b) * Rd(24.04%) * (1-Tc(0.21)))
Discount Rate = 8.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 76.95 | Cagr: 13.40%
[DCF] Terminal Value 65.31% ; FCFF base≈2.82b ; Y1≈2.74b ; Y5≈2.74b
[DCF] Fair Price = 16.24 (EV 28.7b - Net Debt 14.1b = Equity 14.7b / Shares 903.6m; r=11.27% [WACC]; 5y FCF grow -3.51% → 2.50% )
EPS Correlation: 6.97 | EPS CAGR: 0.36% | SUE: 1.02 | # QB: 2
Revenue Correlation: 78.40 | Revenue CAGR: 7.37% | SUE: 0.80 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.03 | Chg30d=-0.49% | Revisions=+12% | Analysts=8
EPS current Year (2026-12-31): EPS=3.03 | Chg30d=-1.45% | Revisions=-6% | GrowthEPS=-14.1% | GrowthRev=+42.3%
EPS next Year (2027-12-31): EPS=4.88 | Chg30d=-0.09% | Revisions=-7% | GrowthEPS=+61.1% | GrowthRev=+9.4%
[Analyst] Revisions Ratio: -3% (up=14, down=15)