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Earnings transcript
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FITB
Fifth Third Bancorp
$47.11
0.29
(0.62%)
| Exchange: | NASDAQ |
| Market Cap: | 31.476B |
| Shares Outstanding: | 196.087M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Timothy N. Spence | |||||
| Full Time Employees: | 18786 | |||||
| Address: |
| |||||
| Website: | https://www.53.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 12,355,000 | 13,049,000 | 12,866,000 |
| Gross Profit | 7,907,000 | 7,723,000 | 8,400,000 |
| EBITDA | 3,450,000 | 3,411,000 | 3,615,000 |
| Operating Income | 2,988,000 | 2,916,000 | 3,210,000 |
| Net Income | 2,349,000 | 2,314,000 | 2,523,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 214,574,000 | 212,927,000 | 214,376,000 |
| Total Liabilities | 195,402,000 | 193,282,000 | 192,652,000 |
| Total Stockholders Equity | 19,172,000 | 19,645,000 | 21,724,000 |
| Total Debt | 19,431,000 | 18,972,000 | 14,515,000 |
| Cash and Cash Equivalents | 3,142,000 | 3,014,000 | 3,499,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,509,000 | 2,824,000 | 0 |
| Capital Expenditure | -516,000 | -414,000 | 0 |
| Free Cash Flow | 3,993,000 | 2,410,000 | 0 |
| Net Income | 2,349,000 | 2,314,000 | 2,522,000 |
| Net Change in Cash | -324,000 | -128,000 | -3,014,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 14,516,969.758 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 14,563,523.015 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 14,540,246.387 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 4,926,307.247 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 4,942,105.010 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,934,206.128 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 2,953,487.441 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 3,930,945.995 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 3,442,216.718 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 4,328,518.748 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 4,342,399.513 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 4,335,459.130 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.290 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 5.870 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.410 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Fifth Third Bancorp reported strong earnings per share and key financial results in the Q4 2025 earnings call, reflecting robust revenue and net income growth. This performance underscores operational efficiency and a strong balance sheet, supported by positive trends in operating cash flow and free cash flow as per recent cash flow statements.
- Strategic Growth Initiatives: The company’s proactive approach, including the Comerica merger highlighted in the Q4 2025 earnings call, positions FITB for enhanced market presence and potential revenue diversification. This strategic move aligns with industry trends toward consolidation and scale.
- Favorable Valuation Metrics: FITB’s current price-to-earnings ratio (P/E TTM) and forward P/E ratios indicate a reasonable valuation compared to the industry average P/E TTM, suggesting the stock may be attractively priced relative to peers. This is further supported by a competitive dividend yield (TTM), appealing to income-focused investors.
- Strong Capital Position: Balance sheet data reveals a healthy level of cash and cash equivalents alongside manageable debt-to-equity ratios (TTM), providing financial flexibility for future investments or economic downturns.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FITB intrinsic value between $47.23 – $51.60 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about FITB valuation
Is Fifth Third Bancorp (FITB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Fifth Third Bancorp (FITB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FITB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FITB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FITB’s P/E ratio?
You can see FITB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FITB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FITB a good long-term investment?
Whether FITB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FITB
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
0.62
Trading Metrics:
| Open: | 45.76 | Previous Close: | 46.82 | |
| Day Low: | 45.68 | Day High: | 47.24 | |
| Year Low: | 32.25 | Year High: | 55.44 | |
| Price Avg 50: | 49.19 | Price Avg 200: | 45.41 | |
| Volume: | 7.299M | Average Volume: |
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