Fifth Third Bancorp (FITB)
Financials · Regional Banks · US stock · S&P 500 component
$50.37
▲ +0.02 (0.04%)
Fair valueFair
$48 −5.5% to fair value
$24fair band $29–$67$71
Day's range
$50.31 – $51.52
52-week range
$38.76 – $59.01
About Fifth Third Bancorp
Fifth Third Bancorp is a Cincinnati-based regional bank holding company providing banking services to individuals, small businesses, corporations and institutions across the Midwest and Southeast. Its business lines include commercial banking, consumer and small business banking, and wealth and asset management. Customers use it for deposits, loans, payments, treasury management and investment services.
As a bank, Fifth Third earns money from interest on loans and securities, net of what it pays on deposits, and from fees on payments, wealth management and capital markets services. The dividend yield is 3.2%. On the site's X-Ray Score it receives 38 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $38.76 – $59.01Volume 6,461,800Daily, split-adjusted
Vitals
Market cap$46.1B
52-week range$38.76 – $59.01
Volume (last day)6,461,800
P/E (TTM)16.6
EBIT / EV yield4.7%
Free-cash-flow yield6.5%
Dividend yield3.2%
Revenue (TTM)$84M
Net income (TTM)$2.3B
Operating margin3,563.1%
Return on capital4.5%
Debt incl. leases$22.3B
Cash & securities$4.4B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$48
Fair
−5.5% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Peak-cycle earnings: the current operating margin is more than 1.5x its 7-year average, so the fair value range is widened
Price $50
Undervalued < $29Fair $29 – $67Overvalued > $67
Excess-return (bank)
$39
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Weak
43/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield4.7%
Free-cash-flow yield6.5%
Fair value vs price0.9×
Growth
Weak
10/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)-48.6%
EPS growth (3y)1.8%
Growth consistency60%
Profitability
Weak
33/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital4.5%
Operating margin3,563.1%
Financial health
Fair
55/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA4.9×
Interest coverNo interest cost
Dividends
Fair
60/100
Dividend is typical for its sector.
See the numbers →
Dividend yield3.2%
Dividends vs free cash flow49%
Dividend growth7.9%
Quarterly results: last 6 quarters
-86.8%
Mar '25
-87.2%
Jun '25
-87.0%
Sep '25
–
Dec '25
+5.0%
Mar '26
+15.0%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $23M, diluted EPS $0.83.
Compare with peers
MTB M&T Bank Corp62 RF Regions Financial Corp57 KEY Keycorp53 HBAN Huntington Bancshares...46Other Regional Banks companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 3 Average · ● 7 BadCash quality
Earnings backed by cashAverage
Free-cash-flow yieldAverage
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Bad
Free-cash-flow growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Net debt / EBITDABad
Interest coverGood
Valuation
Fair value vs priceAverage
EBIT / EV yieldBad
Profitability
Return on invested capitalBad
Operating marginGood
Each check is graded against the company's sector, not a fixed number. Checklist score 39/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $600M | $589M | $577M | $100M | $80M |
| Operating income | $4.0B | $4.1B | $6.9B | $2.9B | $3.2B |
| Net income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B |
| Operating cash flow | $2.7B | $6.4B | $4.5B | $2.8B | $4.5B |
| Operating margin | 659.7% | 691.2% | 1,199.5% | 2,916.0% | 4,013.8% |
| Free cash flow | $2.4B | $6.1B | $4.0B | $2.4B | $3.9B |
| Diluted EPS | $3.73 | $3.35 | $3.22 | $3.14 | $3.53 |
Fiscal years, from SEC filings.
Technical summary
Daily
Strongly bearish
0 bullish · 4 neutral · 12 bearish
Weekly
Neutral
6 bullish · 1 neutral · 5 bearish
Monthly
Strongly bullish
6 bullish · 1 neutral · 1 bearish
Moving averages (daily)
| SMA 10 | 50.47 | Bearish |
| EMA 10 | 50.48 | Bearish |
| SMA 20 | 50.87 | Bearish |
| EMA 20 | 51.05 | Bearish |
| SMA 50 | 53.19 | Bearish |
| EMA 50 | 52.40 | Bearish |
| SMA 100 | 53.87 | Bearish |
| EMA 100 | 52.49 | Bearish |
| SMA 200 | 51.06 | Bearish |
| EMA 200 | 50.68 | Bearish |
Oscillators (daily)
| RSI (14) | 40.49 | Neutral |
| MACD (12, 26) | -0.83 | Bearish |
| Momentum (12) | -0.42 | Bearish |
| Stochastic %K (14) | 52.67 | Neutral |
| Williams %R (14) | -47.33 | Neutral |
| CCI (20) | -19.15 | Neutral |
Pivot points (classic, last session)
S3 48.74 | S2 49.52 | S1 49.95 | Pivot 50.73 | R1 51.16 | R2 51.94 | R3 52.37 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.62 USD
Yield on today's price
3.22%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 30 Sep 2026 | 0.4200 |
| 30 Jun 2026 | 0.4000 |
| 31 Mar 2026 | 0.4000 |
| 31 Dec 2025 | 0.4000 |
| 30 Sep 2025 | 0.4000 |
| 30 Jun 2025 | 0.3700 |
| 31 Mar 2025 | 0.3700 |
| 31 Dec 2024 | 0.3700 |
| 30 Sep 2024 | 0.3700 |
| 28 Jun 2024 | 0.3500 |
| 27 Mar 2024 | 0.3500 |
| 28 Dec 2023 | 0.3500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
FITB SEC filings
24 Sep 2026
8-KSEC EDGAR
Other events
23 Sep 2026
8-KSEC EDGAR
Other events
14 Sep 2026
8-KSEC EDGAR
Regulation FD disclosure
21 Aug 2026
8-KSEC EDGAR
Other events
4 Aug 2026
10-QSEC EDGAR
Quarterly report
30 Jul 2026
8-KSEC EDGAR
Regulation FD disclosure
17 Jul 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
10 Jun 2026
8-KSEC EDGAR
Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.