Fifth Third Bancorp (FITB) AI Stock Analysis

• Market Cap: $27.59B
• Dividend Yield: 3.62%
• Average Volume (3M): 5.80M
• Price to Earnings (P/E): 12.9
• Beta (1Y): 1.25
• Revenue Growth: 2.08%
• EPS Growth: 2.87%
• Country: US
• Employees: 18,786
• Sector: Financial
• Sector Strength: 64
• Industry: Banks - Regional
• EPS (TTM): 0.88
• Shares Outstanding: 667,492,200
• 10 Day Avg. Volume: 4,313,570
• 30 Day Avg. Volume: 5,800,968
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.63
• Enterprise Value/Revenue: 3.49
• Enterprise Value/Gross Profit: 5.83
• Enterprise Value/Ebitda: 13.17
• 1Y Price Target: $48.21
• Price Target Upside: 16.62% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16

• Rating: 78 Outperform
• Price Target: $49.00 ▲(18.53% Upside)

Fifth Third Bancorp's score reflects strong financial performance and positive earnings call sentiment. While technical analysis shows positive momentum, valuation metrics suggest the stock is fairly valued. The company's strategic initiatives, such as share buybacks and leadership changes, further support its positive outlook.

Positive Factors

Expansion Strategy

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

Financial Performance

FITB reported EPS that slightly exceeded consensus, aided by a $14m NPA recovery.

Strategic Growth

Fifth Third Bank benefits from an attractive Midwest and Southeast footprint that should gain from domestic capex and demographic shifts.

Negative Factors

Credit Trends

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

Loan Growth

The main negative is lack of commercial loan growth and lower loan utilization; about 40% of this is due to growth in commitments.

Loan Growth Outlook

Management is not guiding for much loan growth, with a belief that macro and tariff uncertainty could cause corporate clients to remain cautious.

Fifth Third Bancorp Business Overview & Revenue Model

Company Description

Fifth Third Bancorp (FITB) is a diversified financial services company headquartered in Cincinnati, Ohio. It operates through four main segments: Commercial Banking, Branch Banking, Consumer Lending, and Wealth & Asset Management. As a regional bank holding company, Fifth Third provides a wide array of banking products and financial services, including personal banking services like checking and savings accounts, loans, and credit cards, as well as more complex offerings such as investment advisory and asset management services for individuals and businesses.

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 exhibits robust financial health, marked by strong revenue growth, efficient operations, and solid cash flow generation. The company has a consistent increase in total revenue, effective cost management, and a manageable level of leverage. However, the company should continue monitoring its liabilities.

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

Fifth Third Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 41.34
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FITB, the sentiment is Neutral. The current price of 41.34 is below the 20-day moving average (MA) of 42.75, above the 50-day MA of 40.69, and above the 200-day MA of 40.99, indicating a neutral trend. The MACD of 0.17 indicates Positive momentum. The RSI at 45.18 is Neutral, neither overbought nor oversold. The STOCH value of 23.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FITB.

Fifth Third Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FITB	78 Outperform	$27.59B	12.87	11.58%	3.62%	2.08%	2.87%
RF	77 Outperform	$22.64B	11.74	11.59%	3.97%	2.83%	20.85%
CFG	77 Outperform	$20.40B	14.42	6.48%	3.59%	-4.07%	25.31%
MTB	77 Outperform	$29.39B	12.18	9.47%	2.92%	0.62%	14.75%
FCNCA	75 Outperform	$24.50B	10.99	10.70%	0.39%	-2.10%	-6.84%
HBAN	73 Outperform	$23.75B	12.06	10.43%	3.87%	5.28%	28.03%
Sector *	62 Neutral	AU$10.23B	9.27	11.82%	5.04%	33.79%	41.40%

Fifth Third Bancorp Corporate Events

Fifth Third Bancorp Announces $300M Share Buyback Plan

On July 18, 2025, Fifth Third Bancorp announced a new share repurchase agreement with Deutsche Bank AG, London Branch, to buy back approximately $300 million of its common stock as part of a previously announced 100 million share repurchase program. The transaction is expected to be settled by September 29, 2025, and involves certain customary adjustments and termination provisions, which could impact the number of shares received by Fifth Third. This strategic move is aimed at optimizing capital management and potentially increasing shareholder value.

The most recent analyst rating on (FITB) stock is a Hold with a $47.00 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 Strong Q2 2025 Results

Fifth Third Bancorp reported its second quarter 2025 financial results, highlighting a diluted earnings per share of $0.88. The company experienced accelerated revenue growth driven by loan growth and net interest margin expansion. Key financial metrics showed improvements, such as a 5% loan growth compared to the previous year and a 12% increase in assets under management. The company’s strategic investments have led to significant growth in adjusted revenues and pre-provision net revenue, marking the highest growth rate in two years.

The most recent analyst rating on (FITB) stock is a Hold with a $47.00 price target. To see the full list of analyst forecasts on Fifth Third Bancorp stock, see the FITB Stock Forecast page.

Fifth Third Bancorp 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.