Fifth Third Bancorp (FITB)
Financials · $47.6B market cap · SEC CIK 0000035527
fundamentals score out of 100
Next reports on Oct 19, 2026, with analysts expecting $1.01 in earnings per share.
The case for FITB
- 29% of revenue drops through to net profit.
- Pays a 5.1% dividend while you wait.
- Trades at 1.23× book value, close to what the balance sheet says it owns.
The case against
- Earnings per share fell 5.5%.
- Return on equity of 9% is lower than 85% of Financials companies.
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. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 53 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 34 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 60 |
| Momentumhow the price has behaved lately | 62 |
| Stabilityhow violently it moves, what it owes and what it pays you | 63 |
- 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 74 Financials companies.
Key numbers
| Price / earnings | 21.9× |
|---|---|
| Price / book | 1.23× |
| Price / sales | 2.1× |
| Revenue growth (YoY) | +58.2% (not used: out of line with the five-year +8.0% a year) |
| EPS growth (YoY) | -5.5% |
| Gross margin | — |
| Operating margin | 37% |
| Net margin | 29% |
| Return on equity | 9% |
| Debt / equity | 0.57× |
| Current ratio | n/a |
| Dividend yield | 5.14% |
| Beta | 1.02 |
| 52-week range | $40.05 – $59.50 |
| Position in that range | 65% of the way up |
| 3-month return | +1.1% |
| 1-year return | +15.7% |
Five years of financials, as filed
Pulled from Fifth Third Bancorp's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | — | — | $577M | $589M | $600M |
| Net income | $2.5B | $2.3B | $2.3B | $2.4B | $2.8B |
| Operating cash flow | $4.5B | $2.8B | $4.5B | $6.4B | $2.7B |
| Capital expenditure | $584M | $414M | $491M | $348M | $309M |
| Total assets | $214B | $213B | $215B | $207B | $211B |
| Total liabilities | $193B | $193B | $195B | $190B | $189B |
| Shareholder equity | $21.7B | $19.6B | $19.2B | $17.3B | $22.2B |
| Cash | $3.5B | $3.0B | $3.1B | $3.5B | $3.0B |
| Long-term debt | $13.6B | $14.3B | $16.4B | $13.7B | $11.8B |
| Free cash flow | $3.9B | $2.4B | $4.0B | $6.1B | $2.4B |
| Net margin | — | — | 407.1% | 415.3% | 461.7% |
| Diluted shares | 673M | 687M | 688M | 695M | 711M |
Share count is down 5.4% over 4 years. Buybacks have been shrinking the pie.
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