Logo image of FITB

FIFTH THIRD BANCORP (FITB) Stock Fundamental Analysis

NASDAQ:FITB - Nasdaq - US3167731005 - Common Stock - Currency: USD

34.15  -0.25 (-0.73%)

After market: 34.15 0 (0%)

Fundamental Rating

4

Taking everything into account, FITB scores 4 out of 10 in our fundamental rating. FITB was compared to 398 industry peers in the Banks industry. While FITB is still in line with the averages on profitability rating, there are concerns on its financial health. FITB is not valued too expensively and it also shows a decent growth rate. FITB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year FITB was profitable.
FITB had a positive operating cash flow in the past year.
In the past 5 years FITB has always been profitable.
Each year in the past 5 years FITB had a positive operating cash flow.
FITB Yearly Net Income VS EBIT VS OCF VS FCFFITB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

FITB has a Return On Assets of 1.01%. This is in the better half of the industry: FITB outperforms 67.84% of its industry peers.
With a decent Return On Equity value of 10.97%, FITB is doing good in the industry, outperforming 76.38% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 10.97%
ROIC N/A
ROA(3y)1.06%
ROA(5y)1.01%
ROE(3y)11.98%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
FITB Yearly ROA, ROE, ROICFITB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

FITB has a better Profit Margin (25.42%) than 62.31% of its industry peers.
FITB's Profit Margin has declined in the last couple of years.
FITB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
FITB Yearly Profit, Operating, Gross MarginsFITB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

1

2. Health

2.1 Basic Checks

FITB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FITB has less shares outstanding
Compared to 5 years ago, FITB has less shares outstanding
Compared to 1 year ago, FITB has a worse debt to assets ratio.
FITB Yearly Shares OutstandingFITB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FITB Yearly Total Debt VS Total AssetsFITB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

The Debt to FCF ratio of FITB is 7.88, which is on the high side as it means it would take FITB, 7.88 years of fcf income to pay off all of its debts.
FITB's Debt to FCF ratio of 7.88 is on the low side compared to the rest of the industry. FITB is outperformed by 74.37% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that FITB is somewhat dependend on debt financing.
FITB has a worse Debt to Equity ratio (0.97) than 85.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.88
Altman-Z N/A
ROIC/WACCN/A
WACC14.62%
FITB Yearly LT Debt VS Equity VS FCFFITB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FITB Yearly Current Assets VS Current LiabilitesFITB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

More info and screens

4

3. Growth

3.1 Past

The earnings per share for FITB have decreased by -5.54% in the last year.
The Earnings Per Share has been growing slightly by 3.25% on average over the past years.
The Revenue has decreased by -2.63% in the past year.
The Revenue has been growing slightly by 0.35% on average over the past years.
EPS 1Y (TTM)-5.54%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-1.35%
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%1.77%

3.2 Future

FITB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.13% yearly.
Based on estimates for the next years, FITB will show a small growth in Revenue. The Revenue will grow by 4.66% on average per year.
EPS Next Y13.95%
EPS Next 2Y13.3%
EPS Next 3Y11.83%
EPS Next 5Y4.13%
Revenue Next Year5.43%
Revenue Next 2Y5.33%
Revenue Next 3Y4.66%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FITB Yearly Revenue VS EstimatesFITB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
FITB Yearly EPS VS EstimatesFITB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

FITB is valuated reasonably with a Price/Earnings ratio of 10.54.
60.55% of the companies in the same industry are more expensive than FITB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FITB to the average of the S&P500 Index (28.29), we can say FITB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.18, the valuation of FITB can be described as reasonable.
Based on the Price/Forward Earnings ratio, FITB is valued a bit cheaper than the industry average as 78.14% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.08. FITB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.54
Fwd PE 8.18
FITB Price Earnings VS Forward Price EarningsFITB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FITB is valued a bit cheaper than 61.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.47
EV/EBITDA N/A
FITB Per share dataFITB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

FITB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.76
PEG (5Y)3.25
EPS Next 2Y13.3%
EPS Next 3Y11.83%

More info and screens

8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.33%, FITB is a good candidate for dividend investing.
The stock price of FITB dropped by -22.98% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
FITB's Dividend Yield is a higher than the industry average which is at 3.78.
FITB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.57.
Industry RankSector Rank
Dividend Yield 4.33%

5.2 History

The dividend of FITB is nicely growing with an annual growth rate of 9.40%!
FITB has paid a dividend for at least 10 years, which is a reliable track record.
FITB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.4%
Div Incr Years13
Div Non Decr Years14
FITB Yearly Dividends per shareFITB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

54.57% of the earnings are spent on dividend by FITB. This is a bit on the high side, but may be sustainable.
FITB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.57%
EPS Next 2Y13.3%
EPS Next 3Y11.83%
FITB Yearly Income VS Free CF VS DividendFITB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
FITB Dividend Payout.FITB Dividend Payout, showing the Payout Ratio.FITB Dividend Payout.PayoutRetained Earnings

More info and screens

FIFTH THIRD BANCORP

NASDAQ:FITB (4/17/2025, 8:19:10 PM)

After market: 34.15 0 (0%)

34.15

-0.25 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-17 2025-07-17/bmo
Inst Owners229.6%
Inst Owner Change0.05%
Ins Owners1.25%
Ins Owner Change1.78%
Market Cap22.82B
Analysts77.93
Price Target50.1 (46.71%)
Short Float %3.92%
Short Ratio5.48
Dividend
Industry RankSector Rank
Dividend Yield 4.33%
Yearly Dividend1.74
Dividend Growth(5Y)9.4%
DP54.57%
Div Incr Years13
Div Non Decr Years14
Ex-Date03-31 2025-03-31 (0.37)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.43%
Min EPS beat(2)-5.16%
Max EPS beat(2)0.31%
EPS beat(4)2
Avg EPS beat(4)-2.06%
Min EPS beat(4)-6.37%
Max EPS beat(4)2.98%
EPS beat(8)4
Avg EPS beat(8)0.69%
EPS beat(12)4
Avg EPS beat(12)-1.87%
EPS beat(16)6
Avg EPS beat(16)1.12%
Revenue beat(2)0
Avg Revenue beat(2)-3.34%
Min Revenue beat(2)-3.59%
Max Revenue beat(2)-3.08%
Revenue beat(4)0
Avg Revenue beat(4)-2.9%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-1.55%
Revenue beat(8)0
Avg Revenue beat(8)-2.5%
Revenue beat(12)0
Avg Revenue beat(12)-3%
Revenue beat(16)1
Avg Revenue beat(16)-2.62%
PT rev (1m)-3.37%
PT rev (3m)-2.1%
EPS NQ rev (1m)-5.72%
EPS NQ rev (3m)-8.6%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)-1.26%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)0.15%
Valuation
Industry RankSector Rank
PE 10.54
Fwd PE 8.18
P/S 2.69
P/FCF 9.47
P/OCF 8.08
P/B 1.16
P/tB 1.76
EV/EBITDA N/A
EPS(TTM)3.24
EY9.49%
EPS(NY)4.17
Fwd EY12.22%
FCF(TTM)3.61
FCFY10.56%
OCF(TTM)4.23
OCFY12.38%
SpS12.69
BVpS29.4
TBVpS19.36
PEG (NY)0.76
PEG (5Y)3.25
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 10.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.42%
GM N/A
FCFM 28.43%
ROA(3y)1.06%
ROA(5y)1.01%
ROE(3y)11.98%
ROE(5y)10.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.98%
PM growth 5Y-2.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 7.88
Debt/EBITDA N/A
Cap/Depr 83.64%
Cap/Sales 4.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.62%
ROIC/WACCN/A
Cap/Depr(3y)108%
Cap/Depr(5y)118.53%
Cap/Sales(3y)5.84%
Cap/Sales(5y)6.17%
Profit Quality(3y)181.46%
Profit Quality(5y)124.36%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.54%
EPS 3Y-3.88%
EPS 5Y3.25%
EPS Q2Q%-1.35%
EPS Next Y13.95%
EPS Next 2Y13.3%
EPS Next 3Y11.83%
EPS Next 5Y4.13%
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y2.44%
Revenue growth 5Y0.35%
Sales Q2Q%1.77%
Revenue Next Year5.43%
Revenue Next 2Y5.33%
Revenue Next 3Y4.66%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-3.61%
EBIT Next 3Y6.48%
EBIT Next 5YN/A
FCF growth 1Y-39.64%
FCF growth 3Y6.17%
FCF growth 5Y9.16%
OCF growth 1Y-37.37%
OCF growth 3Y1.46%
OCF growth 5Y9.14%