Fifth Third Bancorp (FITB)
Financials · Regional Banks · US stock · S&P 500 component
$53.23
▲ +0.42 (0.80%)
Fair valueFair
$54 +0.8% to fair value
$27fair band $46–$65$81
Day's range
$52.34 – $53.50
52-week range
$40.68 – $59.50
About Fifth Third Bancorp
Fifth Third Bancorp is a Cincinnati-based regional bank holding company providing banking services to individuals, small businesses, corporations and institutions across the Midwest and Southeast. Its business lines include commercial banking, consumer and small business banking, and wealth and asset management. Customers use it for deposits, loans, payments, treasury management and investment services.
As a bank, Fifth Third earns money from interest on loans and securities, net of what it pays on deposits, and from fees on payments, wealth management and capital markets services. The dividend yield is 3.0%. On the site's X-Ray Score it receives 36 out of 100.
Price chart
52-wk range $40.68 – $59.50Volume 6,233,494Daily, split-adjusted
Vitals
Market cap$48.8B
52-week range$40.68 – $59.50
Volume (last day)6,233,494
P/E (TTM)17.5
EBIT / EV yield4.5%
Free-cash-flow yield6.2%
Dividend yield3.0%
Revenue (TTM)$84M
Net income (TTM)$2.3B
Operating margin3,563.1%
Return on capital4.5%
Debt incl. leases$22.3B
Cash & securities$4.4B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$54middle half of models $50 – $63
Fair
+0.8% to fair value
Average of the 5 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is High, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Peak-cycle earnings: the current operating margin is more than 1.5x its 7-year average, so multiples applied to today's profit may overstate value; model uncertainty is set to High
Price $53
Undervalued < $46Fair $46 – $65Overvalued > $65
P/E multiple
$50
P/B multiple
$51
P/S multiple
$23
Dividend discount, stable
$63
Dividend discount, multi-stage
$82
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Weak
37/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield4.5%
Free-cash-flow yield6.2%
Fair value vs price1.0×
Growth
Weak
10/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)-48.6%
EPS growth (3y)1.8%
Growth consistency60%
Profitability
Weak
33/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital4.5%
Operating margin3,563.1%
Financial health
Fair
55/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA4.9×
Interest coverNo interest cost
Dividends
Fair
60/100
Dividend is typical for its sector.
See the numbers →
Dividend yield3.0%
Dividends vs free cash flow49%
Dividend growth7.9%
Quarterly results: last 6 quarters
-86.8%
Mar '25
-87.2%
Jun '25
-87.0%
Sep '25
–
Dec '25
+5.0%
Mar '26
+15.0%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $23M, diluted EPS $0.83.
Compare with peers
RF Regions Financial Corp58 MTB M&T Bank Corp58 KEY Keycorp51 CFG Citizens Financial Gro...49Other Regional Banks companies by X-Ray Score.
SWOT analysis: Fifth Third Bancorp
Strengthsinside the company
- Operating margin of 3,563.1% is well above the 95.8% median of industry peers, a sign of pricing power or lower costs.
- Free cash flow equals 6.2% of the market value, which funds dividends, buybacks or debt paydown.
- Operating profit covers interest 50x, so debt costs are a small drag.
- Passes 8 of the 9 Piotroski tests, which points to improving profitability, funding and efficiency.
Weaknessesinside the company
- Return on invested capital is only 4.5% (median 10.6% for industry peers), so the business earns little above its cost of capital.
- Revenue has fallen 48.6% a year over three years while industry peers grew 1.0%.
- Net debt is 4.9x EBITDA, above the 3x level that lenders usually watch.
Opportunitiesvaluation and setting
- Dividends use only 49% of free cash flow, which leaves room to raise them.
- Our Market Compass rates the backdrop for Financials as favourable.
- Price momentum is strong on the weekly and monthly signals (trends can reverse).
Threatsvaluation and setting
- Heavy debt makes profits sensitive to interest rates and refinancing conditions.
- Trades at 20.8x earnings, 84% above the 11.3x median of industry peers, so the price already assumes better results.
- Valuation uncertainty is high: the models give widely different values, so the fair value range is wide.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare FITB with peers and sector
Medians of 5 Regional Banks peers and of 70 Financials stocks in our universe.
Largest peers (X-Ray Score): MTB 58, HBAN 39, CFG 49, RF 58, KEY 51.
| Metric | FITB | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 36 | 51 | 50 |
| Valuation | 37 | 62 | 52 |
| Growth | 10 | 27 | 54 |
| Profitability | 33 | 36 | 49 |
| Financial health | 55 | 77 | 50 |
| Dividends | 60 | 58 | 54 |
Sector leaders: highest X-Ray Score in Financials
FITB ranks #63 of 71 in Financials and #6 of 6 in Regional Banks by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for FITB
Each factor is rated by where FITB stands among the 71 Financials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 2 Good · 0 Average · 6 Bad of 8
Growth: 0 · 0 · 3
Profitability: 1 · 0 · 1
Valuation: 1 · 0 · 2
| Factor | FITB | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | −48.6% | Bad beats 1% | +8.3% | – | – |
| Revenue growth, last year | −20.0% | Bad beats 1% | +6.9% | −2.0% | ▼ Worse |
| EPS growth, 3 years a year | +1.8% | Bad beats 23% | +12.7% | – | – |
| Profitability | |||||
| Net margin | 2,792.9% | Good beats 98% | 21.8% | 461.7% | ▲ Better |
| Return on equity | 6.8% | Bad beats 12% | 15.7% | 12.3% | ▼ Worse |
| Valuation | |||||
| P/E ratio | 20.8x | Bad beats 29% | 13.8x | 11.2x | ▼ Worse |
| Price / book | 1.4x | Good beats 72% | 2.2x | 1.4x | ≈ In line |
| Price / sales | 580.4x | Bad beats 1% | 3.1x | 51.6x | ▼ Worse |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 3 Good · ● 3 Average · ● 7 BadCash quality
Earnings backed by cashAverage
Free-cash-flow yieldAverage
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Bad
Free-cash-flow growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Net debt / EBITDABad
Interest coverGood
Valuation
Fair value vs priceAverage
EBIT / EV yieldBad
Profitability
Return on invested capitalBad
Operating marginGood
Each check is graded against the company's sector, not a fixed number. Checklist score 38/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $600M | $589M | $577M | $100M | $80M |
| Operating income | $4.0B | $4.1B | $6.9B | $2.9B | $3.2B |
| Net income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B |
| Operating cash flow | $2.7B | $6.4B | $4.5B | $2.8B | $4.5B |
| Operating margin | 659.7% | 691.2% | 1,199.5% | 2,916.0% | 4,013.8% |
| Free cash flow | $2.4B | $6.1B | $4.0B | $2.4B | $3.9B |
| Diluted EPS | $3.73 | $3.35 | $3.22 | $3.14 | $3.53 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
10 bullish · 1 neutral · 5 bearish
Weekly
Strongly bullish
9 bullish · 1 neutral · 2 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 51.10 | Bullish |
| EMA 10 | 51.57 | Bullish |
| SMA 20 | 50.94 | Bullish |
| EMA 20 | 51.48 | Bullish |
| SMA 50 | 52.81 | Bullish |
| EMA 50 | 52.39 | Bullish |
| SMA 100 | 54.01 | Bearish |
| EMA 100 | 52.47 | Bullish |
| SMA 200 | 51.17 | Bullish |
| EMA 200 | 50.74 | Bullish |
Oscillators (daily)
| RSI (14) | 61.60 | Neutral |
| MACD (12, 26) | -0.18 | Bearish |
| Momentum (12) | 4.37 | Bullish |
| Stochastic %K (14) | 93.88 | Bearish |
| Williams %R (14) | -6.12 | Bearish |
| CCI (20) | 229.8 | Bearish |
Pivot points (classic, last session)
S3 51.39 | S2 51.86 | S1 52.55 | Pivot 53.02 | R1 53.71 | R2 54.18 | R3 54.87 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.62 USD
Yield on today's price
3.04%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 0.4200 | |
| 0.4000 | |
| 0.4000 | |
| 0.4000 | |
| 0.4000 | |
| 0.3700 | |
| 0.3700 | |
| 0.3700 | |
| 0.3700 | |
| 0.3500 | |
| 0.3500 | |
| 0.3500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold FITB
| ETF | Share of the fund |
|---|---|
| KBWB Invesco KBW Bank | 3.78% |
| BKDV BNY Mellon Dynamic Value | 1.79% |
| SPHD Invesco S&P 500 High Dividend Low Vola... | 1.32% |
| SPYD SPDR Portfolio S&P 500 High Dividend | 1.27% |
| DVY iShares Select Dividend | 1.13% |
| SCHD Schwab U.S. Dividend Equity | 1.13% |
| CGMM Capital Group U.S. Small and Mid Cap | 1.13% |
| JAVA JPMorgan Active Value | 1.05% |
The eight funds with the largest weight in FITB among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
FITB stock splits
FITB has split its stock 6 times since 1990. The latest was a 3-for-2 split on 17 Jul 2000.
Full FITB stock split history →FITB SEC filings
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
8-KSEC EDGAR
Other events
8-KSEC EDGAR
Other events
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Other events
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Regulation FD disclosure
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.