FITB Fifth Third Bancorp
$50.44
▲ 0.2%Updated Oct 16, 2:25 PM ET
Report Card
FITB at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Strong · 73/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▲ Up 36.0% in the year to Jul 6, 2026
Key Metrics
Market Cap
$51.80B
P/E
21.12x
Forward P/E (est.)
22.36x
ROE
8.9%
Revenue Growth
58.2%
EPS Growth
-5.5%
Profit Margin
28.8%
FCF Yield
7.8%
Debt / Equity
0.67x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.0%
Implied Growth (rev. DCF)
1.3%
Rating Score
73/100
Business Overview
Fifth Third Bancorp (FITB) is a large-cap company in the Regional Banks industry, part of the Financials sector of the S&P 500, with a market value around $51.80B.
Our model rates FITB Strong (73/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what FITB's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. FITB trades near $50.44, around its 50-day average ($51.35) and 200-day average ($47.90). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 68 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. FITB's is $1.34 (~2.7% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, FITB found buyers near $49.95 (support) and sellers near $58.15 (resistance); its 52-week range then was $40.05–$58.15. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.7× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
Profitability
Gross Margin
—
Operating Margin
36.7%
Net Margin
28.8%
ROE
8.9%
Fifth Third Bancorp keeps about 28.8% of each sales dollar as net profit. Return on equity is 8.9%. Margins this wide usually signal pricing power or a cost advantage.
Debt Analysis
Total Debt
$17.64B
Net Debt
$17.64B
Net Debt / EBITDA
—
Debt / Equity
0.67x
Leverage: debt-to-equity is 0.7x. That is a moderate, manageable debt load for most businesses.
Cash Flow Analysis
Operating CF
$4.51B
Free Cash Flow
$3.93B
FCF Margin
—
In the latest year Fifth Third Bancorp produced about $4.51B of operating cash flow and $3.93B of free cash flow after capital spending. That is a free-cash-flow yield of about 7.8% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
3.0%
Per share (latest FY)
$1.54
Total paid (latest FY)
$1.16B
History on record
8 years
dividend uses 30% of free cash flow
46% of net income paid out
no current raise streak
no cuts in the last 8 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
21.12x
P/S
2.22x
P/B
1.34x
EV / EBITDA
—
FITB trades at 21.1x trailing earnings (about 22.4x on estimated forward earnings), 2.2x sales, and 1.3x book value. Reverse-engineering today's price implies the market expects roughly 1.3% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
$179.45
Current price
$50.44
Starting FCF (latest 10-K)
$3.93B
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where FITB sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How FITB stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, FITB ranks #25 by our overall rating. It trades at a premium versus the sector on earnings (21.1x P/E vs. 14.9x median) with a lower return on equity (8.9% vs. 13.6%) and faster revenue growth (58.2% vs. 15.9%).
P/E vs sector
21.1x
median 14.9x
ROE vs sector
8.9%
median 13.6%
Growth vs sector
58.2%
median 15.9%
Sector rank
#25
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
Bull Case
The case for FITB:
- Revenue is growing 58.2% a year, a sign of real demand.
- High net margins (28.8%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~7.8%) funds buybacks and dividends.
- Pays a 3.0% dividend on top of any price gains.
- Our model's overall read is Strong (73/100).
Bear Case
The case against FITB:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the fundamentals screen favourably: Fifth Third Bancorp is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 21.1x earnings, which our model scores Strong (73/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 28 Wall Street analysts covering FITB recommend (September 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-3 pts of buy ratings).
Latest SEC Filings
FITB's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
In the Idea Lab
FITB — frequently asked questions
Is FITB a good stock to buy?
We don't give buy or sell advice. Our model rates Fifth Third Bancorp Strong (73/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is FITB's rating on The Stocks School?
Fifth Third Bancorp currently scores 73/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does FITB's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Fifth Third Bancorp's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for FITB calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this FITB analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell FITB. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.