FITB
NYSE · USDFifth Third Bancorp
Financial Services · Banks - Regional
CEO Timothy N. Spence
Employees 18,676
R&D / revenue 1.0%
Last price
$50.37+0.04%last session
Market cap
$45.7B
P/E (TTM)
17.0x
From 52w high
−15.3%
From 52w low
+23.9%
1-year return
+29.0%
RSI 14 · vs SMA200
40.5 · −1.4%
IS score
51.1/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
FITB SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe56Profitability
52Growth
64Value
80Momentum
90Risk (safety)
75Quality
54Balance sheet
99Earnings quality
Flags
Strengths
✓ Net cash✓ Congress buying
Warnings
▲ Share count rising
Observations
Moat model: Weak, Intangible AssetsPiotroski 6 / 9Beta 0.913 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
0
8 open-market sales, $1.3M
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
8
Last disclosed purchase 2026-10-09
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+76
167 new holders, 78 closed
1,308 filers hold 94.1% · 525 added, 412 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+197
1,164 funds adding shares
967 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
43.7%
20-day avg 55.1%, 50-day avg 58.9%
Latest 11.4 pp under its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$12.9B
Revenue growth YoY−1.4%
Gross margin65.3%
Operating income$3.2B
Operating margin24.9%
Net income$2.5B
Net margin19.6%
EPS (diluted)$3.54
Cash flow
Operating cash flow$4.5B
Capital expenditure$709.0M
Free cash flow$3.8B
FCF conversion (FCF / OCF)84.3%
Stock-based compensation$163.0M
FCF less SBC$3.6B
Buybacks$525.0M
Dividends$1.2B
Balance sheet & returns
Cash & short-term investments$22.4B
Total debt$14.5B
Net cash$7.9B
Shareholders' equity$21.7B
Goodwill & intangibles$5.0B
Debt / equity0.65
ROE (TTM)8.4%
ROIC (TTM)3.7%
Operating margin by fiscal year
Revenue $7.9B (FY2021) to $12.9B (FY2025), a 12.8% CAGR.
Valuation
P/E (TTM)17.0x
EV / EBITDA17.3x
Price / sales3.07x
Price / FCF15.2x
FCF yield6.59%
Buyback yield1.15%
SBC / revenue1.6%
Price / book1.33x
Forward P/E FY202616.6x
Forward P/E FY202710.2x
Forward P/E FY20289.3x
Forward multiples divide today's price by Street EPS estimates. Street mean target $63.25 across 4 analysts last quarter is theirs, not ours.
FITB vs industry median
909 companies in Banks - Regional
FITB (TTM)Industry median
Asset turnover 0.05 vs industry 0.05 · financial leverage 8.72
Earnings delivery
Next report 2026-10-19 · consensus EPS $0.8367%
beat rate, 8 of 12 quarters
+4.0%
median EPS surprise
6
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-19 to 2026-07-17. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| FITB Fifth Third Bancorp | $45.7B | 17.0x | 8.4% | 15.8% | −1.4% | +29.0% |
| TFC Truist Financial Corporation | $57.5B | 12.0x | 9.1% | 20.4% | +0.3% | +16.0% |
| MTB M&T Bank Corporation | $31.1B | 11.2x | 10.7% | 24.3% | −5.8% | +21.4% |
| HBAN Huntington Bancshares Incorp | $30.9B | 11.2x | 9.0% | 17.4% | +18.5% | +0.2% |
| NU Nu Holdings Ltd. | $70.3B | 19.7x | 31.6% | 19.2% | +54.9% | −1.2% |
| CFG Citizens Financial Group, In | $26.7B | 12.7x | 8.3% | 18.4% | −4.5% | — |
| PNC The PNC Financial Services G | $86.7B | 11.6x | 12.5% | 22.6% | +3.9% | — |
| FCNCA First Citizens BancShares, I | $24.0B | 11.4x | 10.7% | 18.6% | −1.3% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding906,892,564
Free float99.6%
Institutional ownership94.1%
Beta0.91
Dividend yield3.22%
Last dividend$0.42 on 2026-09-30
50 / 200-day average$53.66 / $51.80
Large-cap Financial Services median P/E14.0x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where FITB sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | FITB | Industry percentile |
|---|---|---|
| P/E (TTM) | 19.5x | 92nd |
| PEG (P/E ÷ 3-yr EPS CAGR) | — | |
| Price / sales | 3.1x | 73rd |
| Price / book | 1.3x | 67th |
| Price / tangible book | 2.2x | 91st |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 5.1% | 9th |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $46.54 | 44th |
Profitability (TTM)
| Measure | FITB | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 20.1% | 29th |
| EBIT margin | 20.1% | 27th |
| Net margin | 15.8% | 12th |
| NOPAT margin | 15.8% | 27th |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 0.9% | 99th |
| SG&A / revenue | 33.9% | 82nd |
| Stock comp / revenue | 1.6% | 86th |
| Effective tax rate | 21.6% | 54th |
Returns on capital
| Measure | FITB | Industry percentile |
|---|---|---|
| ROE (on average equity) | 8.4% | 19th |
| ROA | 0.9% | 14th |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 1.2% | 29th |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 11.4% | 62nd |
| Incremental ROIC | n/a |
Growth
| Measure | FITB | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 15.9% | 78th |
| Revenue growth (QoQ) | 14.6% | 86th |
| Revenue CAGR, 3 yr | 10.8% | 49th |
| Revenue CAGR, 5 yr | 13.5% | 47th |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | -2.7% | 29th |
| Net income growth (TTM YoY) | 0.4% | 12th |
| Net income CAGR, 3 yr | -2.7% | 16th |
| EPS growth (TTM YoY) | -26.1% | 3rd |
| EPS CAGR, 3 yr | -11.6% | 8th |
| EPS CAGR, 5 yr | -6.6% | 5th |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 13.1% | 77th |
| Dividend CAGR, 3 yr | -6.6% | 6th |
| Sustainable growth rate | 3.8% | 10th |
Margin history & stability
| Measure | FITB | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 21.9% | 48th |
| Net margin, 3-yr average | 17.3% | 42nd |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.96 | 73rd |
| Earnings stability (0-1) | 0.60 | 70th |
| Margin stability (0-1) | 0.79 | 34th |
Liquidity (latest quarter)
| Measure | FITB | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | FITB | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 88.5% | 49th |
| IS credit model rating | A- | |
| Implied credit spread (bps) | 175 | 51st |
Efficiency
| Measure | FITB | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | FITB | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | FITB | Industry percentile |
|---|---|---|
| IS score | 51 | 40th |
| IS profitability | 56 | 38th |
| IS growth | 52 | 38th |
| IS value | 64 | 13th |
| IS momentum | 80 | 57th |
| IS risk (safety) | 90 | 85th |
| IS quality | 75 | 50th |
| IS balance sheet | 54 | 73rd |
| IS earnings quality | 99 | 92nd |
| IS cash flow | 67 | 33rd |
| Piotroski F-score (0-9) | 6 | 26th |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −5.85 | 17th |
| IS credit score | 65 | 37th |
Size (TTM)
| Measure | FITB | Industry percentile |
|---|---|---|
| Market cap | $45.7B | 98th |
| Revenue | $14.9B | 98th |
| EBITDA | $3.7B | 96th |
| Net income | $2.3B | 95th |
| Free cash flow | n/a | |
| Total assets | $300.1B | 98th |
| Shareholders' equity | $34.4B | 98th |
| Employees | 25,197 | 98th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-08-04 | Gibson Kala EVP |
Option exercise | 7,018 | $26.52 | $186,117 | 64,397 |
| 2026-08-04 | Gibson Kala EVP |
Tax withholding | 4,821 | $57.77 | $278,509 | 59,576 |
| 2026-08-04 | Gibson Kala EVP |
Option exercise | 7,018 | $26.52 | $186,117 | 0 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Option exercise | 8,772 | $26.52 | $232,633 | 296,789 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Tax withholding | 6,041 | $57.40 | $346,753 | 290,748 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Option exercise | 4,965 | $33.17 | $164,689 | 295,713 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Tax withholding | 3,753 | $57.40 | $215,422 | 291,960 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Option exercise | 9,654 | $26.72 | $257,955 | 301,614 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Tax withholding | 6,667 | $57.40 | $382,686 | 294,947 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Option exercise | 8,248 | $29.64 | $244,471 | 303,195 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Tax withholding | 5,939 | $57.40 | $340,899 | 297,256 |
| 2026-07-20 | Leonard James C. EVP & Chief Operating Officer |
Option exercise | 8,772 | $26.52 | $232,633 | 0 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 15 | 42,570 | — |
| Gift | Disposed | 1 | 4,300 | — |
| Open-market sale | Disposed | 8 | 26,000 | $1.3M |
| Option exercise | Disposed | 5 | 38,657 | $1.1M |
| Option exercise | Acquired | 5 | 38,657 | $1.1M |
| Tax withholding | Disposed | 5 | 27,221 | $1.6M |
| — | Disposed | 1 | 0 | — |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 17 trades (7 purchases) · Senate 4 (4 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-10-09 | David Taylor | House | Purchase | $1,001 - $15,000 | 2026-10-16 |
| 2026-08-26 | David Taylor | House | Purchase | $1,001 - $15,000 | 2026-09-07 |
| 2026-08-25 | David J. Taylor | House | Purchase | $1,001 - $15,000 | 2026-09-07 |
| 2026-07-24 | David Taylor | House | Sale | $1,001 - $15,000 | 2026-08-07 |
| 2026-03-20 | Mark Warner | Senate | Purchase | $1,001 - $15,000 | 2026-05-01 |
| 2026-03-20 | Mark Warner | Senate | Purchase | $1,001 - $15,000 | 2026-05-01 |
| 2026-03-20 | Mark R. Warner | Senate | Purchase | $1,001 - $15,000 | 2026-05-01 |
| 2026-03-20 | Mark R. Warner | Senate | Purchase | $1,001 - $15,000 | 2026-05-01 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 82,862,442 | $4.7B | 9.14% |
| VANGUARD CAPITAL MANAGEMENT LLC | 59,173,580 | $3.3B | 6.52% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 47,639,510 | $2.7B | 5.25% |
| STATE STREET CORP | 41,617,059 | $2.4B | 4.59% |
| Capital World Investors | 39,246,596 | $2.2B | 4.33% |
| PRICE T ROWE ASSOCIATES INC /MD/ | 39,099,722 | $2.2B | 4.31% |
| JPMORGAN CHASE & CO | 26,432,817 | $1.5B | 2.91% |
| Invesco Ltd. | 25,767,990 | $1.5B | 2.84% |
| GEODE CAPITAL MANAGEMENT, LLC | 24,484,438 | $1.4B | 2.70% |
| WELLINGTON MANAGEMENT GROUP LLP | 23,653,758 | $1.3B | 2.61% |
| Bank of New York Mellon Corp | 23,387,799 | $1.3B | 2.58% |
| NORGES BANK | 20,906,386 | $1.2B | 2.31% |
| BANK OF AMERICA CORP /DE/ | 17,663,946 | $995.7M | 1.95% |
| GOLDMAN SACHS GROUP INC | 12,255,224 | $690.8M | 1.35% |
| MORGAN STANLEY | 11,815,599 | $666.0M | 1.30% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,308 | 94.1% | 167 | 525 | 412 | 78 |
| 2026-03-31 | 1,232 | 87.5% | 224 | 671 | 203 | 92 |
| 2025-12-31 | 1,117 | 67.9% | 165 | 423 | 345 | 75 |
| 2025-09-30 | 1,047 | 62.1% | 98 | 384 | 356 | 69 |
| 2025-06-30 | 1,035 | 62.7% | 111 | 384 | 364 | 108 |
| 2025-03-31 | 1,045 | 61.8% | 120 | 384 | 377 | 95 |
| 2024-12-31 | 1,036 | 62.6% | 140 | 364 | 347 | 67 |
| 2024-09-30 | 979 | 62.1% | 114 | 327 | 357 | 66 |
| 2024-06-30 | 942 | 63.6% | 98 | 331 | 330 | 68 |
| 2024-03-31 | 926 | 64.6% | 107 | 312 | 335 | 70 |
| 2023-12-31 | 899 | 62.7% | 181 | 271 | 326 | 75 |
| 2023-09-30 | 804 | 60.5% | 71 | 304 | 292 | 73 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.06% | $1.5B |
| VTI | 0.06% | $1.5B |
| VSMPX | 0.06% | $1.5B |
| VTSAX | 0.06% | $1.5B |
| SCHD | 1.13% | $1.3B |
| VOO | 0.07% | $1.2B |
Share structure
Shares outstanding906,892,564
Float902,869,116
Free float99.6%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $7.9B | $9.1B | $12.4B | $13.0B | $12.9B |
| Cost of revenue | $64.0M | $1.5B | $4.4B | $5.3B | $4.5B |
| Gross profit | $7.9B | $7.5B | $7.9B | $7.7B | $8.4B |
| R&D | $0 | $0 | $0 | $0 | $128.0M |
| SG&A | $3.0B | $3.0B | $3.1B | $3.2B | $3.8B |
| Operating income | $3.5B | $3.1B | $3.0B | $2.9B | $3.2B |
| EBITDA | $3.9B | $3.5B | $3.5B | $3.4B | $3.6B |
| Pretax income | $3.5B | $3.1B | $3.0B | $2.9B | $3.2B |
| Income tax | $747.0M | $647.0M | $639.0M | $602.0M | $687.0M |
| Net income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B |
| EPS, diluted | $3.73 | $3.35 | $3.22 | $3.14 | $3.54 |
| Diluted shares | 711.2M | 695.0M | 687.7M | 687.3M | 669.2M |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $75.2B | $62.4B | $74.9B | $58.9B | $22.4B |
| Receivables | $6.6B | $6.2B | $5.6B | $6.5B | $120.4B |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $81.9B | $68.8B | $80.7B | $65.6B | $143.5B |
| PP&E, net | $3.2B | $3.3B | $3.3B | $3.3B | $3.1B |
| Goodwill & intangibles | $5.8B | $6.8B | $6.8B | $6.7B | $5.0B |
| Total assets | $211.1B | $207.5B | $214.6B | $212.9B | $214.4B |
| Accounts payable | $0 | $0 | $0 | $0 | $171.8B |
| Total current liabilities | $170.1B | $168.6B | $172.0B | $171.9B | $174.8B |
| Long-term debt | $11.8B | $13.7B | $16.4B | $14.3B | $13.6B |
| Total liabilities | $188.9B | $190.1B | $195.4B | $193.3B | $192.7B |
| Shareholders' equity | $22.2B | $17.3B | $19.2B | $19.6B | $21.7B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B |
| Depreciation & amortization | $349.0M | $436.0M | $462.0M | $495.0M | $554.0M |
| Stock-based compensation | $120.0M | $165.0M | $169.0M | $164.0M | $163.0M |
| Change in working capital | −$239.0M | $210.0M | $360.0M | −$558.0M | $393.0M |
| Operating cash flow | $2.7B | $6.4B | $4.5B | $2.8B | $4.5B |
| Capital expenditure | −$309.0M | −$685.0M | −$516.0M | −$414.0M | −$709.0M |
| Free cash flow | $2.4B | $5.7B | $4.0B | $2.4B | $3.8B |
| Investing cash flow | −$8.0B | −$4.9B | −$9.5B | $1.0B | −$1.8B |
| Net debt issued / repaid | −$3.2B | $6.6B | $829.0M | −$433.0M | −$899.0M |
| Buybacks | −$1.4B | −$100.0M | −$200.0M | −$625.0M | −$525.0M |
| Dividends paid | −$897.0M | −$927.0M | −$1.1B | −$1.2B | −$1.2B |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 99.2% | 83.0% | 63.9% | 59.3% | 65.3% |
| Operating margin | 44.2% | 34.2% | 24.2% | 22.3% | 24.9% |
| Net margin | 34.8% | 27.0% | 19.1% | 17.7% | 19.6% |
| FCF margin | 30.1% | 65.7% | 32.6% | 18.4% | 33.7% |
| ROE | 12.2% | 12.4% | 12.9% | 11.9% | 12.2% |
| ROIC | -6.9% | -9.2% | -6.5% | -11.4% | 18.2% |
| ROA | 1.3% | 1.2% | 1.1% | 1.1% | 1.2% |
| Debt / equity | 0.57 | 1.07 | 1.01 | 0.97 | 0.67 |
| Interest coverage | 7.9x | 3.2x | 0.8x | 0.6x | 0.8x |
| Current ratio | 0.48 | 0.41 | 0.47 | 0.38 | 0.82 |
| Revenue growth | −1.5% | +13.9% | +36.0% | +6.1% | −1.6% |
| EPS growth | +101.1% | −11.3% | −3.1% | −0.6% | +11.0% |
| P/E at year end | 9.4x | 8.3x | 9.5x | 12.1x | 12.4x |
| EV / EBITDA at year end | n/m | n/m | n/m | n/m | 6.2x |
| FCF yield at year end | 9.15% | 29.29% | 18.06% | 8.60% | 13.85% |
| Dividend payout | 32.4% | 37.9% | 45.1% | 50.8% | 46.1% |
Revenue by segment
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Total interest income | $5.2B | $6.6B | $9.8B | $10.4B | — |
| Wealth and asset management revenue | $586.0M | $570.0M | $581.0M | $647.0M | — |
| Commercial banking revenue | $637.0M | $565.0M | $624.0M | $377.0M | — |
| Commercial payments revenue | — | — | — | $608.0M | — |
| Service charges on deposits | $600.0M | $589.0M | $577.0M | — | — |
| Branch Banking | — | — | — | — | $569.0M |
| Consumer banking revenue | — | — | — | $555.0M | — |
| Commercial Banking | — | — | — | — | $553.0M |
| Capital markets fees | — | — | — | $424.0M | — |
| Card and processing revenue | $402.0M | $409.0M | $416.0M | — | — |
| Other noninterest income | $332.0M | $265.0M | $207.0M | $12.0M | — |
| Leasing business revenue | $300.0M | $237.0M | $208.0M | — | — |
| Mortgage banking net revenue | $270.0M | $215.0M | $250.0M | $211.0M | — |
| Securities gains (losses), net | — | — | $18.0M | $15.0M | — |
| Wealth And Asset Management | — | — | — | — | $2.0M |
Street estimates by fiscal year
Next report 2026-10-19 · consensus EPS $0.83 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $12.9B | $12.9B – $12.9B | $3.04 | $2.98 – $3.11 | 13 | 16.6x |
| 2027 | $14.0B | $13.8B – $14.2B | $4.94 | $4.31 – $5.17 | 14 | 10.2x |
| 2028 | $14.8B | $14.5B – $15.2B | $5.41 | $4.69 – $5.89 | 9 | 9.3x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-07-17 | $0.84 | $0.83 | −0.8% | $3.2B | $3.3B | +0.5% |
| 2026-04-17 | $-0.10 | $0.16 | +254.6% | $2.8B | $2.9B | +0.5% |
| 2026-01-20 | $1.00 | $1.08 | +8.4% | $2.3B | $2.3B | +0.2% |
| 2025-10-17 | $0.86 | $0.93 | +8.1% | $2.3B | $2.3B | +0.5% |
| 2025-07-17 | $0.87 | $0.90 | +3.8% | $2.2B | $2.2B | +1.1% |
| 2025-04-17 | $0.70 | $0.73 | +4.3% | $2.2B | $2.1B | −3.5% |
| 2025-01-21 | $0.88 | $0.90 | +2.3% | $2.2B | $2.1B | −3.0% |
| 2024-10-18 | $0.83 | $0.78 | −6.0% | $2.2B | $2.1B | −4.7% |
| 2024-07-19 | $0.85 | $0.81 | −4.7% | $2.1B | $2.0B | −4.0% |
| 2024-04-19 | $0.71 | $0.70 | −1.4% | $2.1B | $2.0B | −2.0% |
| 2024-01-19 | $0.90 | $0.99 | +10.0% | $2.2B | $2.1B | −4.3% |
| 2023-10-19 | $0.82 | $0.91 | +11.0% | $2.1B | $2.1B | −2.8% |
| 2023-07-20 | $0.83 | $0.82 | −1.2% | $2.2B | $2.1B | −4.6% |
| 2023-04-20 | $0.79 | $0.79 | 0.0% | $2.2B | $2.2B | −3.2% |
| 2023-01-19 | $0.99 | $1.00 | +1.0% | $2.3B | $2.2B | −4.1% |
| 2022-10-20 | $0.98 | $0.91 | −7.1% | $2.2B | $2.1B | −5.1% |
| 2022-07-21 | $0.87 | $0.76 | −12.6% | $2.1B | $2.1B | −0.0% |
| 2022-04-19 | $0.69 | $0.68 | −1.4% | $1.9B | $1.9B | −2.1% |
| 2022-01-20 | $0.90 | $0.91 | +1.1% | $1.9B | $2.0B | +1.6% |
| 2021-10-19 | $0.91 | $0.88 | −3.3% | $2.0B | $1.9B | −2.0% |
| 2021-07-22 | $0.81 | $0.94 | +16.0% | $2.0B | $2.0B | +0.2% |
| 2021-04-20 | $0.69 | $0.93 | +34.8% | $1.8B | $1.8B | +1.5% |
| 2021-01-21 | $0.69 | $0.83 | +20.3% | $1.4B | $1.8B | +30.5% |
| 2020-10-22 | $0.60 | $0.85 | +41.7% | $1.3B | $1.8B | +42.4% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $241.2M | 4,453,688 | 83,829 |
| 2026-08-24 | $284.0M | 5,178,538 | 83,998 |
| 2026-08-17 | $383.9M | 6,853,048 | 103,439 |
| 2026-08-10 | $247.4M | 4,288,721 | 80,060 |
| 2026-08-03 | $357.7M | 6,227,813 | 89,014 |
| 2026-07-27 | $507.4M | 8,910,473 | 112,754 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 43.7% | 766,750 | 1,753,998 |
| 2026-10-14 | 34.5% | 719,994 | 2,089,673 |
| 2026-10-13 | 54.5% | 718,751 | 1,319,160 |
| 2026-10-12 | 44.0% | 553,527 | 1,258,962 |
| 2026-10-09 | 30.3% | 772,673 | 2,549,082 |
| 2026-10-08 | 42.5% | 1,240,470 | 2,917,606 |
| 2026-10-07 | 62.0% | 2,050,773 | 3,309,880 |
| 2026-10-06 | 71.8% | 873,582 | 1,217,122 |
| 2026-10-05 | 56.6% | 1,094,781 | 1,934,017 |
| 2026-10-02 | 54.2% | 1,059,613 | 1,954,353 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | −1.8% | 55% | 20 |
| Feb | −0.4% | 50% | 20 |
| Mar | −0.7% | 43% | 21 |
| Apr | +4.6% | 55% | 20 |
| May | +2.5% | 50% | 20 |
| Jun | −1.9% | 45% | 20 |
| Jul | +5.2% | 70% | 20 |
| Aug | +0.5% | 55% | 20 |
| Sep | −0.7% | 40% | 20 |
| Oct | +1.4% | 60% | 20 |
| Nov | +3.9% | 75% | 20 |
| Dec | +1.5% | 65% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1440.5
MFI50.6
ADX35.4
Stochastic %K / %D40.6 / 38.1
Williams %R-47.3
CCI-19
TSI / signal-25.3 / -26.3
Chaikin money flow-0.01
ATR$1.04
Bollinger width5.7%
Volume vs 20-day avg0.91x
SupertrendDown
Moving averages and bands
level (price vs level)SMA 20$50.87 (−1.0%)
SMA 50$53.19 (−5.3%)
SMA 200$51.07 (−1.4%)
EMA 21$51.11 (−1.4%)
EMA 50$52.40 (−3.9%)
EMA 200$50.68 (−0.6%)
Bollinger upper$52.32 (−3.7%)
Bollinger lower$49.42 (+1.9%)
Parabolic SAR$49.09 (+2.6%)
Open the live chart, 110+ indicatorsAbout Fifth Third Bancorp
Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that provides a range of financial products and services in the United States. It operates through three segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. The 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 Consumer and Small Banking segment engages in the provision of a range of deposit and loan products to individuals and small businesses; residential mortgage activities, including the origination, retention and servicing of residential mortgage loans, sales and securitizations of loans, and associated hedging activities; home equity loans and lines of credit, credit cards, automobile and other indirect lending, and other consumer lending services; and home improvement and solar energy installation loans through contractors and installers. The Wealth and Asset Management segment provides various wealth management services, such as wealth planning, investment management, banking, insurance, trust, and estate services for for individuals, companies, and not-for-profit organizations; retail brokerage services for individual clients; and advisory services for institutional clients. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.
https://www.53.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| Timothy N. Spence | Chairman, Chief Executive Officer & President | $3.9M | 1979 |
| James C. Leonard | Executive Vice President & Chief Operating Officer | $2.1M | 1970 |
| Bryan D. Preston | Executive Vice President & Chief Financial Officer | $1.7M | 1977 |
| Robert Shaffer | Executive Vice President & Chief Risk Officer | $1.7M | 1970 |
| Kevin Patrick Lavender | EVP & Vice Chair of Commercial Bank | $1.6M | 1962 |
| Jude A. Schramm | Executive Vice President & Chief Information Officer | $1.5M | 1973 |
| Jeffrey A. Lopper | Senior Vice President & Chief Accounting Officer | — | 1974 |
| Melissa S. Stevens | Executive Vice President & Chief Marketing Officer | — | 1975 |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| George A. Schaefer, Jr President and Chief Executive Officer | 2003 | $990,018 | $859,650 | $0 | $3.4M |
| Stephen J. Schrantz Executive Vice President | 2003 | $599,997 | $0 | $0 | $1.0M |
| Kevin T. Kabat Executive Vice President | 2003 | $520,000 | $0 | $0 | $994,800 |
| Robert P. Niehaus Executive Vice President | 2003 | $524,992 | $0 | $0 | $919,291 |
| Neal E. Arnold Executive Vice President and Chief Financial Officer | 2003 | $524,992 | $0 | $0 | $913,591 |
| Michael D. Baker Executive Vice President | 2003 | $520,000 | $0 | $0 | $896,500 |
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-09-30 | $0.42 | 2026-10-15 |
| 2026-06-30 | $0.4 | 2026-07-15 |
| 2026-03-31 | $0.4 | 2026-04-15 |
| 2025-12-31 | $0.4 | 2026-01-15 |
| 2025-09-30 | $0.4 | 2025-10-15 |
| 2025-06-30 | $0.37 | 2025-07-15 |
| 2025-03-31 | $0.37 | 2025-04-15 |
| 2024-12-31 | $0.37 | 2025-01-15 |
Moat model
Weak · Intangible Assets · 2026-06-30Cost advantage35
Intangibles71
Switching costs53
Network effect42
Efficient scale50
Our component scores (0-100) and overall 51.8; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17