Fifth Third Bancorp
FITB · Price history
Price at last available close
$53.59
+$2.02 (+3.92%) 1M
2026-10-27
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Company & revenue
About Fifth Third Bancorp
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Fifth Third Bancorp operates as a diversified financial services company that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from service charges on deposit accounts, wealth and asset management fees, mortgage banking activities, and treasury management and payment services.
Products & services
The company provides commercial and consumer banking, mortgage lending, wealth and asset management, and treasury management services through a network of banking centers and ATMs.
Brands & revenue mix
Primary banking brand for the company's retail and commercial operations.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Cloud service providers — Third-party providers of cloud-based technologies and infrastructure services.Source
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Diluted weighted-average shares increased 35.9% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
52
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
56
Fair
Financial Strength
40
Business Quality / Moat
67
Management
61
Growth Quality
55
Risk / Durability
66
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
74
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
69/100
Building Historical Record
Model Score 69/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for FITB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can FITB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is FITB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is FITB's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is FITB's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of FITB's score?
Essential Investment Snapshot
Wall Street Score
52
Opportunity Score
74
Market Cap
$48.60B
P/E Ratio
17.1
EPS
$2.96
52-Week High
$59.50
52-Week Low
$40.68
Beta
0.99
Intrinsic Value
$98.09
Analyst Target
$63.00
Shares Outstanding
669.2M
Total Revenue
$14.88B
Total Debt
$22.27B
Reported Dividend Yield
2.53%
Liquidation Value / Share
$51.44
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for FITB
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on FITB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Diversified business portfolio.
- +Extensive branch and ATM network.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Operational risk from reliance on third parties and cloud-based technologies.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
7 historical score records availablePrevious Score
52
Oct 1, 2026
Change
Unchanged
Current Score
52
Oct 19, 2026
Category Changes
FITB score was unchanged.
Projected Score
Projected Score
54
Projected Change
+2.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$53.59
Model Intrinsic Value
$98.09
Difference
−$44.50
-45.4% vs IV
Margin of Safety
45.4%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $14.88B | $12.87B | $13.05B | $12.36B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $4.69B | $4.47B | $5.33B | $4.45B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $10.19B | $8.40B | $7.72B | $7.91B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $128.0M | $128.0M | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $5.04B | $3.78B | $3.16B | $3.11B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $7.20B | $5.19B | $4.81B | $4.92B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $3.68B | $3.76B | $3.41B | $3.45B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $2.99B | $3.21B | $2.92B | $2.99B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $4.13B | $3.92B | $4.80B | $3.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $2.99B | $3.21B | $2.92B | $2.99B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $646.0M | $687.0M | $602.0M | $639.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $2.35B | $2.52B | $2.31B | $2.35B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $2.96 | $3.55 | $3.16 | $3.23 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 912M | 664M | 682M | 684M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 916M | 669M | 687M | 688M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$4.43B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.83
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+23.3%
Cash Change
+47.2%
Margin Change
-1.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, cash levels. Pressure indicators included EPS growth, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 38.0%. EPS declined 5.7%. Cash increased 47.2%. Total debt increased 23.3%. Net income margin declined by 1.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
34
Smart Money
34
Number of Gurus
3
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
7 historical recordsHistorical Score Chart
3 of 7 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Fifth Third: Solid Q3 Should Calm Margin Fears (Upgrade)
Rumor Mill · FITB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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