Stock Analysis
Fifth Third BancorpFITB
P/E 19.47×· 5Y range 6.16–22.95×· top 7% of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy28 analystsP/E 19.5× sits at the 93rd percentile of its 5.086926762491444-year history.
Cash covers 18% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, expensive valuation
Strengths
- Quality65
Risks
- Valuation52
- Financial Health26
Mixed fundamentals at a demanding price.
Bull Case
- ✓Revenue CAGR 115.5% — durable top-line growth
What's happening with FITB
Profile
financial health lags behind.
How is each axis scored?
- Valuation52/100 · Moderate
- P/E vs own history (93th pct)0/25
- FCF yield (6.6%)20/25
- P/S (3.1x)20/25
- EV/EBIT (20.6x)12/25
- Growth50/100 · Moderate
- Revenue CAGR (115.5%)25/25
- Net income CAGR (-2.3%)0/25
- EPS CAGR 5Y (-1.0%)0/25
- Fwd implied growth (66.8%)25/25
- Profitability50/100 · Moderate
- ROIC (4.6%)5/25
- ROE (6.8%)5/25
- Net margin (15.8%)20/25
- Operating margin (21.6%)20/25
- Financial Health26/100 · Weak
- Altman Z (0.15)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.5x)3/25
- Net cash / debt (D/A 7%)20/25
- Quality65/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.57)25/25
- FCF conversion (129%)25/25
- Margin stability (σ 231.2%)0/25
- Moat70/100 · Moderate
- ROIC >12% years (3/4 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 17.4%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Interest coverage 0.5× — thin debt cushion
- ⚠P/E 19.5× at top 7% of 5-year history
About Fifth Third Bancorp
Fifth Third Bancorp is a midsize regional bank in the US, with total assets of around $300 billion as of June 2026. Show more
The bank closed its acquisition of Comercia in February 2026. Headquartered in Cincinnati, Ohio, Fifth Third has a strong presence in the US Midwest and is currently expanding in the US Southeast. The bank provides a diversified set of financial services in retail banking, commercial banking, card and Treasury management, wealth and asset management, and capital markets.
Headquarters: CINCINNATI, OH · Employees: 18,676 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
52CP/E (TTM)19.5xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 6.2x–23.0x · 93rd pct
P/FCF11.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -6.4%–35.8% · 21st pct
P/S (TTM)3.07xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.2x–60.8x · 23rd pct
EV/EBIT20.6xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 2.0x–55.0x · 89th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.7xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.33xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.28B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.58%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio54.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
50CROIC4.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE6.8%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.8%A
Grade A: HighNet Income / Revenue
Operating Margin21.6%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin20.3%A
Grade A: HighFCF / Revenue
True FCF Margin18.7%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
50CRevenue CAGR115.5%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-2.3%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-1.0%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth66.8%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+25.8%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income10.4%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.6%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.15D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment6.8yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT6.4xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity0.72xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.18xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
65BPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.57A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion128.8%A
Grade A: StrongFCF / Net Income
Margin Stability231.2%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue4.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Gibson Kala Filed | Gibson Kala | Option exercise | -7018 | |
Gibson Kala Filed | Gibson Kala | Tax withholding | -4821 | |
Gibson Kala Filed | Gibson Kala | Option exercise | +7.0K | |
Leonard James C. Filed | Leonard James C. | Option exercise | -8248 | |
Leonard James C. Filed | Leonard James C. | Option exercise | -9654 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Leonard James C. Filed | Leonard James C. | Option exercise | -4965 | |
Leonard James C. Filed | Leonard James C. | Option exercise | -8772 | |
Leonard James C. Filed | Leonard James C. | Tax withholding | -5939 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
70B+ROIC >12% Years3/4 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor17.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$2.59
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$4.17
Cash & short-term investments per share (Finnhub)
Book Value / Share$37.65
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$24.93B
Total debt obligations (short + long term)
Cash & Equiv.$4.37B
Cash and short-term investments
Net Debt$20.56B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$34.48B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$45.71B
Current Market Capitalization
Beta1.02B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: Fifth Third Bancorp (FITB)
Piotroski F-Score of 5/9 indicates mixed fundamentals for Fifth Third Bancorp. Altman Z-Score of 0.15 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.57 suggests a low likelihood of earnings manipulation. Revenue has compounded at roughly 115% annually — a strong growth profile.
- Fifth Third Bancorp converts about 20% of revenue into free cash flow — strong cash generation.
- Takes ~6.8 years to repay net debt from free cash flow.
- Interest coverage of 0.5× leaves little room for earnings shocks.
- The stock currently yields 2.6% in dividends.
See how FITB ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all FITB moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 50.51 | +1.74% | 2.24 |
Frequently Asked Questions about FITB
What is the current Fifth Third Bancorp (FITB) stock price?
FITB is trading at $50.40 in after-hours trading, up 0.10% on the session. PreMarketPrice tracks FITB pre-market, intraday and after-hours prices.
Is FITB stock a buy right now?
PreMarketPrice's quantitative model rates Fifth Third Bancorp's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is FITB stock overvalued?
Fifth Third Bancorp trades at a trailing P/E of 19.5 and our valuation score rates it 52/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Fifth Third Bancorp report earnings?
No confirmed earnings date is currently scheduled for FITB. The Earnings section lists recent reports and updates as dates are announced.
What sector does Fifth Third Bancorp operate in?
Fifth Third Bancorp operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Fifth Third Bancorp do?
Fifth Third Bancorp is a midsize regional bank in the US, with total assets of around $300 billion as of June 2026.
About Fifth Third Bancorp (FITB) Stock
Fifth Third Bancorp (FITB) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. As of the latest update, Fifth Third Bancorp is trading at $50.40, up 0.10% on the day with a market capitalization of $45.7 billion. The financial health score for FITB is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FITB stock.
FITB Stock Analysis & Key Metrics
On PreMarketPrice, you can track Fifth Third Bancorp (FITB) across multiple dimensions:
- Pre-market price & movement: Real-time FITB stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FITB with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Fifth Third Bancorp across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FITB.
- Sector peers: Compare FITB against 6 other financial services stocks on key financial metrics.
Is FITB a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Fifth Third Bancorp (FITB) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Fifth Third Bancorp (FITB) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.