Full text
Earnings transcript
Read the complete earnings call transcript.
FITB
Fifth Third Bancorp
$52.91
-0.36
(-0.68%)
| Exchange: | NYSE |
| Market Cap: | 47.953B |
| Shares Outstanding: | 196.087M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Timothy N. Spence | |||||
| Full Time Employees: | 25197 | |||||
| Address: |
| |||||
| Website: | https://www.53.com |
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.
Click to read more…
Revenue Segmentation
FITB full analysis
YouTube Video Transcript: Comprehensive Stock Analysis of Fifth Third Bancorp (FITB) Hey everyone, welcome back to the channel! I’m thrilled to dive into a comprehensive stock analysis of Fifth Third Bancorp, ticker symbol FITB, a major player in the regional banking space. If you’re looking to understand whether this financial services giant is a solid addition to your portfolio, stick around. We’re going deep into their financials, recent performance, valuation, and much more. Don’t forget to smash that like button,…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| FITB | Fifth Third Bancorp | 48.0B | 18.5 | 17.3 | 3.7% |
 KB | KB Financial Group Inc. | 44.6B | 10.3 | 8.9 | 0.8% |
 FITB-PM | Fifth Third Bancorp | 51.6B | 18.5 | — | 3.7% |
 BSBR | Banco Santander (Brasil) S.A. | 43.1B | 31.2 | 7.9 | 4.3% |
 SHG | Shinhan Financial Group Co., Ltd. | 37.9B | 10.1 | 8.5 | 1.3% |
 NWG | NatWest Group plc | 37.2B | 7.3 | 9.3 | 0.9% |
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 14,499,000.695 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 14,963,258.495 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 14,710,947.275 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 4,493,897.865 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 5,493,394.433 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 4,993,646.149 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 3,119,691.663 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 3,908,114.495 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 3,513,903.079 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 4,323,160.920 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 4,461,588.472 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 4,386,356.942 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 5.420 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 5.840 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.660 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 5 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 6 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
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.
Log in with Research Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
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.
[intrinsic_calculator]
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.
Daily snapshot
-0.68
Trading Metrics:
| Open: | 53.51 | Previous Close: | 53.27 | |
| Day Low: | 52.72 | Day High: | 53.59 | |
| Year Low: | 40.05 | Year High: | 59.5 | |
| Price Avg 50: | 56.14 | Price Avg 200: | 51.37 | |
| Volume: | 9.905M | Average Volume: | 6.281M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's free
