Fifth Third Bancorp (FITB) AI Stock Analysis

• Market Cap: $29.78B
• Dividend Yield: 3.29%
• Average Volume (3M): 4.98M
• Price to Earnings (P/E): 13.8
• Beta (1Y): 1.22
• Revenue Growth: 1.90%
• EPS Growth: 2.87%
• Country: US
• Employees: 18,786
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.88
• Shares Outstanding: 661,887,270
• 10 Day Avg. Volume: 3,326,723
• 30 Day Avg. Volume: 4,976,773
• 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: 1.51
• Enterprise Value/Revenue: 3.49
• Enterprise Value/Gross Profit: 5.83
• Enterprise Value/Ebitda: 13.17
• 1Y Price Target: $48.27
• Price Target Upside: 7.27% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17

• Rating: 78 Outperform
• Price Target: $49.00 ▲(8.89% 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

Earnings and Financial Performance

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

Growth Strategy

FITB's branch expansion strategy offers a long runway for growth, with plans to open new branches in the Southeast.

Valuation

The stock is seen as attractive with a 10.5x 2026 P/E and 1.9x YE25e TBV, suggesting favorable risk/reward based on EPS growth and ROTCE forecasts.

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 Guidance

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 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 through various key streams primarily associated with its banking operations. The largest source of income comes from interest income, which is earned from loans and leases extended to individuals and businesses, as well as from investments in securities. Additionally, the bank earns non-interest income from fees associated with deposit accounts, credit cards, and investment management services. Wealth management and trust services also contribute to revenue through advisory fees. Fifth Third has established strategic partnerships, including collaborations with fintech companies, to enhance its service offerings and improve operational efficiency. Market conditions, interest rates, and economic factors significantly influence the bank's earnings.

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: Positive
• Last Price: 45.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 45 is above the 20-day moving average (MA) of 42.47, above the 50-day MA of 42.14, and above the 200-day MA of 40.99, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 68.15 is Neutral, neither overbought nor oversold. The STOCH value of 94.01 is Negative, 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	78 Outperform	$29.78B	13.81	11.58%	3.29%	1.90%	2.87%
CFG	77 Outperform	$21.87B	15.48	6.48%	3.27%	-3.68%	25.31%
RF	77 Outperform	$23.78B	12.47	11.59%	3.69%	2.94%	20.85%
MTB	75 Outperform	$30.93B	12.94	9.47%	2.70%	0.69%	14.79%
HBAN	73 Outperform	$25.64B	12.87	10.43%	3.54%	6.06%	28.03%
KEY	69 Neutral	$20.86B	1,663.64	1.02%	4.25%	-12.30%	-108.78%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%

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.