Fifth Third Bancorp (FITB) AI Stock Analysis

• Market Cap: $29.20B
• Dividend Yield: 3.38%
• Average Volume (3M): 4.86M
• Price to Earnings (P/E): 13.9
• Beta (1Y): 1.24
• Revenue Growth: 5.75%
• EPS Growth: 0.68%
• Country: US
• Employees: 18,786
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 667,492,200
• 10 Day Avg. Volume: 4,449,712
• 30 Day Avg. Volume: 4,857,536
• PEG Ratio: 36.13
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.23
• Enterprise Value/Market Cap: 1.49
• Enterprise Value/Revenue: 0.83
• Enterprise Value/Gross Profit: 5.64
• Enterprise Value/Ebitda: 3.22
• 1Y Price Target: $46.09
• Price Target Upside: 7.76% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17

• Rating: 80 Outperform
• Price Target: $47.00 ▲(9.89%Upside)

Fifth Third Bancorp's overall score reflects strong financial performance and a positive earnings outlook, supported by solid technical trends and reasonable valuation. The company's strategic initiatives and disciplined management further bolster its position in the market, although some caution is warranted due to potential economic uncertainties.

Positive Factors

Branch Expansion

Superior branch expansion in new and existing markets has led to an increased price target for FITB.

Growth Strategy

FITB has a unique strategy for generating new deposits, gaining market share in 9 major markets.

Negative Factors

Credit Trends

Despite the positive outlook, credit trends have been concerning with non-performing loans increasing for three consecutive quarters.

Fee Income

Given the weaker macro environment, the company reduced its fee income growth guidance for 2025 as expected from 'up 3-6%' to 'up 1-3%' given weaker markets related fee income across wealth management and capital markets.

Fifth Third Bancorp Business Overview & Revenue Model

Company Description

Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers. Its Branch Banking segment provides a range of deposit and loan products to individuals and small businesses. This segment offers checking and savings accounts, home equity loans and lines of credit, credit cards, and loans for automobiles and personal financing needs, as well as cash management services for small businesses. The company's Consumer Lending segment engages in direct lending activities that include origination, retention, and servicing of residential mortgage and home equity loans or lines of credit; and indirect lending activities, including loans to consumers through correspondent lenders and automobile dealers. Fifth Third Bancorp's Wealth & Asset Management segment provides various investment alternatives for individuals, companies, and not-for-profit organizations. It offers retail brokerage services to individual clients; and broker dealer services to the institutional marketplace. This segment also provides wealth planning, investment management, banking, insurance, and trust and estate services; and advisory services for institutional clients comprising middle market businesses, non-profits, states, and municipalities. As of December 31, 2021, the company operated 1,117 full-service banking centers and 2,322 ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, and South Carolina. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.

How the Company Makes Money

Fifth Third Bancorp generates revenue primarily through interest income from its lending activities, fees for banking services, and investment management services. The bank earns interest income by providing loans to individuals and businesses, including mortgages, personal loans, and commercial loans. Additionally, it earns non-interest income through service charges on deposit accounts, fees from card services, and commissions from investment advisory services. Significant partnerships with various financial technology firms and collaborations with other financial institutions also contribute to its earnings by broadening its range of services and customer reach.

Fifth Third Bancorp Financial Statement Overview

Summary

Fifth Third Bancorp demonstrates strong financial health with robust revenue growth and efficient operations. The income statement shows a solid gross profit margin and impressive revenue growth. The balance sheet is stable with manageable leverage, though liabilities should be monitored. Cash flow management is strong with positive trends and a healthy free cash flow to net income ratio.

Income Statement

Fifth Third Bancorp's income statement shows strong performance with a consistent increase in total revenue over the years. The gross profit margin is solid at approximately 60%, with net profit margins around 18%, indicating efficient cost management. Revenue growth has been impressive, particularly from 2022 to 2023, with a significant increase in EBIT and EBITDA margins reflecting improved operational efficiency.

Balance Sheet

The balance sheet presents a stable financial position with a moderate debt-to-equity ratio of approximately 0.99 in TTM, suggesting manageable leverage. The equity ratio is around 9.6%, indicating a stable base of equity financing. Return on equity has been positive, though slightly declining, reflecting consistent profitability. The company's asset base is solid, though it should monitor potential increases in liabilities.

Cash Flow

Fifth Third Bancorp demonstrates strong cash flow management, with a positive free cash flow trend and a substantial operating cash flow to net income ratio of 1.58 in TTM. The free cash flow to net income ratio is healthy at 1.38, reflecting the company's ability to generate cash relative to its net income. The free cash flow growth rate has shown volatility, but remains positive, indicating resilience in cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	12.88B	13.05B	12.36B	9.08B	7.95B	8.03B
Gross Profit	7.70B	7.72B	7.91B	7.54B	7.88B	6.15B
EBITDA	3.41B	3.41B	3.45B	3.53B	3.87B	2.29B
Net Income	2.31B	2.31B	2.35B	2.45B	2.77B	1.43B
Balance Sheet
Total Assets	212.67B	212.93B	214.57B	207.45B	211.12B	204.68B
Cash, Cash Equivalents and Short-Term Investments	57.23B	58.94B	74.92B	62.45B	75.16B	73.53B
Total Debt	20.22B	18.97B	19.43B	18.61B	12.65B	15.99B
Total Liabilities	192.27B	193.28B	195.40B	190.13B	188.91B	181.57B
Stockholders Equity	20.40B	19.64B	19.17B	17.33B	22.21B	23.11B
Cash Flow
Free Cash Flow	3.19B	2.41B	3.99B	5.74B	2.40B	13.00M
Operating Cash Flow	3.67B	2.82B	4.51B	6.43B	2.70B	371.00M
Investing Cash Flow	1.20B	1.04B	-9.49B	-4.87B	-7.97B	-31.90B
Financing Cash Flow	-4.66B	-3.99B	4.66B	-1.08B	5.11B	31.40B

Fifth Third Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.77
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FITB, the sentiment is Positive. The current price of 42.77 is above the 20-day moving average (MA) of 41.51, above the 50-day MA of 39.43, and above the 200-day MA of 40.92, indicating a bullish trend. The MACD of 1.36 indicates Negative momentum. The RSI at 62.66 is Neutral, neither overbought nor oversold. The STOCH value of 62.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FITB.

Fifth Third Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FITB	80 Outperform	$29.20B	13.90	11.71%	3.38%	5.75%	0.68%
MTB	79 Outperform	$32.59B	13.60	9.39%	2.66%	1.20%	1.12%
HBAN	78 Outperform	$24.87B	13.16	10.30%	3.63%	7.55%	17.46%
FCNCA	78 Outperform	$28.25B	12.33	11.46%	0.36%	0.34%	-3.13%
RF	76 Outperform	$22.19B	11.92	11.33%	4.05%	1.05%	12.14%
CFG	68 Neutral	$20.76B	15.25	6.37%	3.51%	-2.37%	13.92%
Sector *	63 Neutral	AU$9.98B	8.33	11.67%	4.98%	32.88%	39.55%

Fifth Third Bancorp Corporate Events

Fifth Third Bancorp Appoints Kevin Lavender as Vice Chairman

On June 25, 2025, Fifth Third Bancorp announced the appointment of Kevin Lavender as Vice Chairman of the Commercial Bank, effective July 14, 2025. Previously, Mr. Lavender served as Executive Vice President and Head of Commercial Bank since January 2020, indicating a strategic move to strengthen leadership within the company.

The most recent analyst rating on (FITB) stock is a Hold with a $41.00 price target. To see the full list of analyst forecasts on Fifth Third Bancorp stock, see the FITB Stock Forecast page.

Fifth Third Bancorp Announces New Share Repurchase Program

On June 13, 2025, Fifth Third Bancorp‘s Board of Directors authorized a new share repurchase program, allowing the company to buy back up to 100 million shares, replacing a previous authorization from 2019. This move, announced on June 16, 2025, reflects Fifth Third’s strategic focus on capital distribution, subject to ongoing performance evaluations and market conditions.

The most recent analyst rating on (FITB) stock is a Hold with a $41.00 price target. To see the full list of analyst forecasts on Fifth Third Bancorp stock, see the FITB Stock Forecast page.

Fifth Third Bancorp to Present at Financials Conference

On June 10, 2025, Fifth Third Bancorp is scheduled to present at the Morgan Stanley U.S. Financials Conference. The presentation will likely cover the company’s financial condition, results of operations, and future performance plans. The bank emphasizes its disciplined management approach, focusing on stability, profitability, and growth, with a resilient balance sheet and strong credit profile. The announcement reflects Fifth Third’s strategic focus on maintaining a leading market position and expanding its reach in key markets, which could have implications for stakeholders and the financial services industry.

The most recent analyst rating on (FITB) stock is a Hold with a $41.00 price target. To see the full list of analyst forecasts on Fifth Third Bancorp stock, see the FITB Stock Forecast page.

Fifth Third Bancorp Reports Q1 2025 Earnings

Fifth Third Bancorp reported a diluted earnings per share of $0.71 for the first quarter of 2025, driven by loan growth, net interest margin expansion, and disciplined expense management. The company achieved positive operating leverage and a stable net charge-off ratio, with a 3% increase in average loans and a 7% rise in wealth and asset management revenue year-over-year. Despite a challenging economic environment, Fifth Third Bancorp’s diversified business mix and proactive credit risk management have reinforced its position in the industry.