Fifth Third Bancorp (FITB)

Financials · $48.7B market cap · SEC CIK 0000035527

Next reports on Jan 19, 2027, after the close, with analysts expecting $1.26 in earnings per share.

52-week range $40.68 to $59.50. 9% below its 52-week high and 33% above its low.

The case for FITB

• 29% of revenue drops through to net profit.
• Pays a 5.1% dividend while you wait.
• Reasonably priced for its growth: 22.4× earnings, where 10%+ a year of growth plus a 5.1% dividend would justify about 31×.
• Trades at 1.23× book value, close to what the balance sheet says it owns.

The case against

• Priced at 22.4× earnings while earnings per share are shrinking (−5.5%).
• Earnings per share fell 5.5%.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its one-year revenue change (+58%) is far out of line with its five-year trend (+8% a year). In the Financials sector that is usually interest income swinging with rates rather than growth, so only the five-year figure is used.
• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Fifth Third Bancorp's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Fifth Third Bancorp says it does

Information Fifth Third Bancorp (the “Bancorp” or “Fifth Third”), an Ohio corporation organized in 1975, is a bank holding company (“BHC”) as defined by the Bank Holding Company Act of 1956, as amended (the “BHCA”), and has elected to be treated as a financial holding company (“FHC”) under the Gramm-Leach-Bliley Act of 1999 (“GLBA”) and regulations of the Board of Governors of the Federal Reserve System (the “FRB”). The Bancorp is a diversified financial services company headquartered in Cincinnati, Ohio and is the indirect holding company of Fifth Third Bank, National Association (the “Bank”). As of December 31, 2025, Fifth Third had $214 billion in assets and operates 1,130 full-service Banking Centers and 2,199 Fifth Third branded ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, South Carolina and Alabama. The Bancorp operates three main businesses: Commercial Banking,…

Risk factors FITB lists in its 10-K

• Deteriorating credit quality has adversely impacted Fifth Third in the past and may adversely impact Fifth Third in the future
• Problems encountered by other financial institutions could adversely affect financial markets generally and have direct and indirect adverse effects on Fifth Third
• Inability to refinance in public or private capital markets could cause a default that impacts Fifth Third borrowers
• Fifth Third must maintain adequate sources of funding and liquidity
• Fifth Third and/or the holders of its securities could be adversely affected by unfavorable ratings from rating agencies
• If Fifth Third is unable to maintain or grow its deposits, it may be subject to paying higher funding costs
• The Bancorp’s ability to receive dividends from its subsidiaries accounts for most of its revenue and could affect its liquidity and ability to pay dividends
• Fifth Third may not be able to successfully implement future information technology system enhancements, which could adversely affect Fifth Third’s business operations and profitability
• New technological advancements, such as AI, may subject Fifth Third to additional risks
• Fifth Third may experience losses related to fraud, theft or violence
• Fifth Third could suffer if it fails to attract and retain skilled personnel
• Fifth Third is subject to extensive governmental regulation which could adversely impact Fifth Third or the businesses in which Fifth Third is engaged
• Fifth Third could suffer from unauthorized use of intellectual property
• Fifth Third is subject to various regulatory requirements that may limit its operations and potential growth
• As a regulated entity, the Bancorp is subject to certain capital requirements that may limit its operations, potential growth and ability to pay or increase dividends on its common stock or to repurchase its capital stock
• Deposit insurance premiums levied against the Bank could increase
• If an orderly liquidation of a systemically important BHC or non-bank financial company were triggered, Fifth Third could face assessments for the Orderly Liquidation Fund
• Weakness in the U.S. economy, including within Fifth Third’s geographic footprint, has adversely affected Fifth Third in the past and may adversely affect Fifth Third in the future
• Global and domestic political, social, economic and public health uncertainties and changes may adversely affect Fifth Third
• Changes in interest rates could affect Fifth Third’s income and cash flows
• Changes and trends in the capital markets may affect Fifth Third’s income and cash flows
• Fifth Third’s stock price is volatile
• Changes in the market could impact Fifth Third’s mortgage banking business
• If Fifth Third does not respond to intense competition and rapid changes in the financial services industry or otherwise adapt to changing customer preferences, its financial performance may suffer
• Future acquisitions may dilute current shareholders’ ownership of Fifth Third and may cause Fifth Third to become more susceptible to adverse economic events
• Fifth Third may sell certain businesses or investments but such sales may not yield desired gains or equity increases. Additionally, lost income from these sales could have an adverse effect on its future earnings and growth
• Damage to Fifth Third’s reputation could harm its business
• Fifth Third is subject to environmental, social and governance risks that could adversely affect its reputation, the trading price of its common stock and/or its business, operations and earnings
• Changes in accounting standards or interpretations could impact Fifth Third’s reported financial condition and earnings
• Fifth Third uses models for business planning purposes that may not adequately predict future results
• Fifth Third’s framework for managing risks may not be effective in mitigating its risk and loss
• The preparation of financial statements requires Fifth Third to make subjective determinations and use estimates that may vary from actual results and materially impact its financial position or results of operations
• Severe weather events may impact Fifth Third’s loan portfolio and operations
• Fifth Third expects to incur substantial expenses related to the Comerica Merger and to the integration of Comerica
• Fifth Third’s future results may suffer if Fifth Third does not effectively manage its expanded operations following the Comerica Merger
• Following completion of the Comerica Merger, Fifth Third may be subject to business uncertainties that could adversely affect Fifth Third’s business and operations

Filings

Other Financials companies