Fifth Third Bancorp (FITB)
Market Price (12/29/2025): $48.4 | Market Cap: $32.3 BilSector: Financials | Industry: Regional Banks
Fifth Third Bancorp (FITB)
Market Price (12/29/2025): $48.4Market Cap: $32.3 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%, FCF Yield is 8.8% | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | Key risksFITB key risks include [1] significant commercial credit vulnerabilities, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -117% | Weak multi-year price returns3Y Excs Rtn is -8.5% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33%, CFO LTM is 3.5 Bil, FCF LTM is 2.8 Bil | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 9.1% | |
| Low stock price volatilityVol 12M is 28% | ||
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 24% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%, FCF Yield is 8.8% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -117% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33%, CFO LTM is 3.5 Bil, FCF LTM is 2.8 Bil |
| Low stock price volatilityVol 12M is 28% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 24% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| Weak multi-year price returns3Y Excs Rtn is -8.5% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 9.1% |
| Key risksFITB key risks include [1] significant commercial credit vulnerabilities, Show more. |
Why The Stock Moved
Qualitative Assessment
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Stock Movement Drivers
Fundamental Drivers
The 6.6% change in FITB stock from 9/28/2025 to 12/28/2025 was primarily driven by a 2.5% change in the company's P/E Multiple.| 9282025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 45.43 | 48.41 | 6.56% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 8420.00 | 8589.00 | 2.01% |
| Net Income Margin (%) | 27.74% | 28.08% | 1.22% |
| P/E Multiple | 13.05 | 13.38 | 2.53% |
| Shares Outstanding (Mil) | 670.79 | 666.43 | 0.65% |
| Cumulative Contribution | 6.56% |
Market Drivers
9/28/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FITB | 6.6% | |
| Market (SPY) | 4.3% | 47.3% |
| Sector (XLF) | 3.3% | 82.1% |
Fundamental Drivers
The 18.7% change in FITB stock from 6/29/2025 to 12/28/2025 was primarily driven by a 12.9% change in the company's P/E Multiple.| 6292025 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 40.78 | 48.41 | 18.72% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 8258.00 | 8589.00 | 4.01% |
| Net Income Margin (%) | 27.96% | 28.08% | 0.44% |
| P/E Multiple | 11.85 | 13.38 | 12.86% |
| Shares Outstanding (Mil) | 671.05 | 666.43 | 0.69% |
| Cumulative Contribution | 18.71% |
Market Drivers
6/29/2025 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FITB | 18.7% | |
| Market (SPY) | 12.6% | 46.7% |
| Sector (XLF) | 7.4% | 73.1% |
Fundamental Drivers
The 17.0% change in FITB stock from 12/28/2024 to 12/28/2025 was primarily driven by a 5.6% change in the company's P/E Multiple.| 12282024 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 41.38 | 48.41 | 16.99% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 8291.00 | 8589.00 | 3.59% |
| Net Income Margin (%) | 26.82% | 28.08% | 4.69% |
| P/E Multiple | 12.67 | 13.38 | 5.58% |
| Shares Outstanding (Mil) | 680.90 | 666.43 | 2.12% |
| Cumulative Contribution | 16.94% |
Market Drivers
12/28/2024 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FITB | 17.0% | |
| Market (SPY) | 17.0% | 69.8% |
| Sector (XLF) | 15.3% | 80.8% |
Fundamental Drivers
The 65.3% change in FITB stock from 12/29/2022 to 12/28/2025 was primarily driven by a 57.1% change in the company's P/E Multiple.| 12292022 | 12282025 | Change | |
|---|---|---|---|
| Stock Price ($) | 29.29 | 48.41 | 65.27% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 7723.00 | 8589.00 | 11.21% |
| Net Income Margin (%) | 30.71% | 28.08% | -8.57% |
| P/E Multiple | 8.51 | 13.38 | 57.14% |
| Shares Outstanding (Mil) | 689.28 | 666.43 | 3.32% |
| Cumulative Contribution | 65.08% |
Market Drivers
12/29/2023 to 12/28/2025| Return | Correlation | |
|---|---|---|
| FITB | 49.7% | |
| Market (SPY) | 48.4% | 59.0% |
| Sector (XLF) | 51.8% | 77.9% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FITB Return | -5% | 62% | -22% | 10% | 27% | 17% | 97% |
| Peers Return | 16% | 38% | -12% | 21% | 26% | 16% | 150% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 114% |
Monthly Win Rates [3] | |||||||
| FITB Win Rate | 75% | 75% | 58% | 50% | 67% | 58% | |
| Peers Win Rate | 52% | 65% | 42% | 68% | 57% | 52% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| FITB Max Drawdown | -62% | -1% | -27% | -28% | -5% | -20% | |
| Peers Max Drawdown | -34% | -5% | -26% | -7% | -9% | -23% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HPQ, HPE, IBM, CSCO, AAPL. See FITB Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/26/2025 (YTD)
How Low Can It Go
| Event | FITB | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -53.9% | -25.4% |
| % Gain to Breakeven | 117.1% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -62.4% | -33.9% |
| % Gain to Breakeven | 165.8% | 51.3% |
| Time to Breakeven | 295 days | 148 days |
| 2018 Correction | ||
| % Loss | -34.9% | -19.8% |
| % Gain to Breakeven | 53.6% | 24.7% |
| Time to Breakeven | 788 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -97.6% | -56.8% |
| % Gain to Breakeven | 4080.6% | 131.3% |
| Time to Breakeven | 4,602 days | 1,480 days |
Compare to HPQ, HPE, IBM, CSCO, AAPL
In The Past
Fifth Third Bancorp's stock fell -53.9% during the 2022 Inflation Shock from a high on 1/14/2022. A -53.9% loss requires a 117.1% gain to breakeven.
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AI Analysis | Feedback
Here are 1-3 brief analogies for Fifth Third Bancorp (FITB):
- A major regional bank, much like PNC Financial.
- Similar to U.S. Bancorp, focused on retail and commercial banking in the Midwest and Southeast U.S.
- A diversified regional bank comparable to Truist Financial.
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- Deposit Accounts: Fifth Third Bancorp offers various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Retail Lending: The bank provides a range of credit products including mortgages, home equity loans, auto loans, credit cards, and personal loans for individual consumers.
- Commercial Lending: It offers commercial and industrial loans, real estate loans, and lines of credit to support the financing needs of small, middle market, and large businesses.
- Treasury Management: Fifth Third Bancorp delivers comprehensive treasury management solutions such as cash management, payment processing, liquidity management, and fraud prevention for corporate clients.
- Wealth Management: The company provides investment advisory, financial planning, trust and estate services, and brokerage solutions to high-net-worth individuals and families.
- Capital Markets Services: Fifth Third Bancorp offers corporate finance advisory, debt and equity underwriting, and risk management solutions like derivatives and foreign exchange to institutional clients.
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Fifth Third Bancorp (symbol: FITB) primarily sells its banking and financial services directly to a diverse base of individuals, small businesses, and corporations rather than to a few major customer companies that resell its services.
The up to three major categories of customers that Fifth Third Bancorp serves are:
- Commercial Banking Clients: This category includes a broad range of businesses, from small businesses and middle market companies to large corporations and government entities. Fifth Third provides them with comprehensive services such as lending, treasury management, capital markets advisory, and real estate finance.
- Consumer Banking Clients: This segment caters to individuals and small businesses for their personal and everyday banking needs. Services offered include checking and savings accounts, credit and debit cards, mortgages, auto loans, and various digital and mobile banking solutions.
- Wealth and Asset Management Clients: This category serves both high-net-worth individuals and families, as well as institutional clients such as corporations, pension funds, endowments, and foundations. Fifth Third provides them with investment management, trust services, and brokerage services.
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- Fiserv, Inc. (FI)
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Timothy N. Spence, Chairman of the Board; President; Chief Executive Officer of the Company and Bank
Timothy N. Spence joined Fifth Third Bancorp in 2015 as chief strategy officer, advancing to president in October 2020, CEO in July 2022, and chairman in December 2023. Before his tenure at Fifth Third, he was a senior partner at the consulting firm Oliver Wyman, where he advised financial institutions on strategy, innovation, and performance improvement. Prior to Oliver Wyman, Mr. Spence held management positions at two early-stage technology businesses. He has been recognized for spearheading Fifth Third's digital transformation efforts, including the acquisitions of Provide and Dividend Finance, and was named American Banker's Digital Banker of the Year in 2018.
Bryan D. Preston, Executive Vice President and Chief Financial Officer
Bryan D. Preston was appointed Chief Financial Officer of Fifth Third Bancorp, effective January 2, 2024. Prior to this role, he served as the company's Treasurer since February 2020. His experience at Fifth Third also includes serving as the consumer line of business chief financial officer from September 2017 to February 2020, assistant treasurer from March 2014 to September 2017, and various other finance and accounting positions from 2008 to 2014.
Jamie C. Leonard, Executive Vice President and Chief Operating Officer
Jamie C. Leonard became Executive Vice President and Chief Operating Officer of Fifth Third Bancorp, effective January 2, 2024, overseeing retail banking, consumer lending, operations, business controls, strategy, and marketing. He joined Fifth Third in 1999 and has held various key positions within the organization, including Chief Financial Officer, Chief Risk Officer, and Treasurer, as well as several other finance leadership roles. Mr. Leonard holds a B.S. in Accounting from Miami University.
Robert P. Shaffer, Executive Vice President and Chief Risk Officer
Robert P. Shaffer serves as the Executive Vice President and Chief Risk Officer at Fifth Third Bancorp. He assumed the role of Chief Risk Officer, succeeding Jamie Leonard. Before this, he was the bank's chief human resources officer since 2017 and served as chief auditor for nearly a decade. Mr. Shaffer joined Fifth Third in 2002, and prior to that, he was a partner in Andersen's Business Advisory Practice, where he specialized in auditing public companies in the financial services industry.
Jude A. Schramm, Executive Vice President and Chief Information Officer
Jude A. Schramm is an Executive Vice President and the Chief Information Officer (CIO) at Fifth Third Bancorp.
AI Analysis | Feedback
Fifth Third Bancorp (FITB) faces several key risks in its business operations. The most significant risks include commercial credit quality issues, the impact of economic and interest rate fluctuations, and intense competition within the financial services industry.
1. Commercial Credit Risk
Fifth Third Bancorp is exposed to significant commercial credit risk, as evidenced by a recent incident involving alleged external fraudulent activity at a commercial borrower. This event led to a substantial estimated impairment charge of approximately $170 million to $200 million in the third quarter of 2025, highlighting potential vulnerabilities in risk management practices related to its asset-backed finance loans. Furthermore, rising delinquencies in commercial and industrial loans pose a threat to the company's equity value, particularly if economic conditions deteriorate. Economic downturns broadly impact loan demand and credit quality, exacerbating this risk.
2. Economic and Interest Rate Fluctuations
The bank's profitability and financial stability are significantly threatened by economic downturns and fluctuations in interest rates. Changes in the economic environment can directly affect loan demand, the quality of credit, and investment income. Moreover, market shifts can lead to declines in wealth and asset management revenue, or result in investment and trading losses. The volatility of mortgage banking net revenue is also a concern, as rising rates tend to reduce loan originations while increasing the value of mortgage servicing rights, and vice-versa when rates fall.
3. Competition
Fifth Third Bancorp operates in a highly competitive landscape, facing threats from both traditional banks and a growing number of fintech companies and non-banking financial institutions. These competitors offer similar or often more innovative products and services, necessitating continuous investment by Fifth Third Bancorp in product development, marketing, and customer service to maintain its market position and attract new customers.
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Clear Emerging Threats for Fifth Third Bancorp (FITB):
- Rise of Digital-First Competitors (Neobanks and Specialized Fintechs): Digital-only banks (neobanks) such as Chime, Varo, and Revolut, along with specialized fintech companies focusing on specific services like lending (e.g., SoFi, Upstart) or payments (e.g., Block/Square, Stripe, PayPal), are directly challenging traditional banking models. These competitors often offer lower fees, superior digital user experiences, and faster services, attracting customers—especially younger demographics and small businesses—who prioritize convenience and cost efficiency. This trend erodes FITB's market share in deposits, retail banking, small business services, and various lending segments.
- Big Tech Companies Entering Financial Services: Large technology companies like Apple, Google, and Amazon are increasingly offering financial products and services, leveraging their massive user bases, data analytics capabilities, and strong brand loyalty. Concrete examples include Apple Card, Apple Pay Later, Google Wallet's expanding features (e.g., checking/savings accounts via partnerships), and Amazon's lending programs for merchants. These companies can seamlessly integrate financial services into their existing ecosystems, potentially disintermediating traditional banks like FITB from customer relationships, particularly in payments, consumer lending, and even some deposit-like functions.
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The addressable markets for Fifth Third Bancorp's main products and services in the United States are as follows:Commercial Banking
The U.S. commercial banking market is estimated at USD 732.5 billion in 2025 and is projected to reach USD 915.45 billion by 2030, growing at a compound annual growth rate (CAGR) of 4.56% during the forecast period. Other estimates for the U.S. commercial banking market include USD 226.44 billion in 2024, expected to reach USD 269.28 billion by 2029 with a CAGR greater than 2%, and USD 231.9 billion in 2024, expected to reach USD 351.8 billion by 2033 with a CAGR of 4.10%. Another source valued the market size at $1.6 trillion in 2025.
Consumer and Small Business Banking (Retail Banking)
The U.S. retail banking market is valued at USD 0.87 trillion (or $870 billion) in 2025 and is forecasted to reach USD 1.08 trillion by 2030, reflecting a CAGR of 4.22% during 2025-2030. Another estimate places the U.S. retail banking market size at USD 1,105 billion in 2024, projected to reach USD 1,850 billion by 2032, growing at a CAGR of 6.7%. The market is forecast to increase by USD 92.1 billion at a CAGR of 4.2% between 2024 and 2029.
Wealth and Asset Management
The U.S. wealth management market held $64.4 trillion in assets under management (AUM) in 2024 and is expected to reach $87.35 trillion by 2028. In 2025, the United States accounts for 54.2% of the total global AUM, which reached $162 trillion, equating to approximately $87.76 trillion for the U.S. market. The U.S. wealth management market's AUM is expected to rise by $22.5 trillion from 2024 to 2028, reaching an estimated $85.14 trillion.
Mortgage Loans
The U.S. home loan market stood at USD 2.29 trillion in 2025 and is forecasted to grow to USD 3.02 trillion by 2030, advancing at a 5.63% CAGR. U.S. mortgage originations totaled $1.69 trillion in 2024. The market for purchase mortgages within the U.S. is currently valued at USD 1,145.4 billion and has a projected CAGR of 6.3%. Americans collectively owe $12.94 trillion on mortgages as of the second quarter of 2025.
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Fifth Third Bancorp (FITB) is anticipated to drive future revenue growth over the next two to three years through a combination of strategic initiatives, including targeted regional expansion, digital innovation, strategic acquisitions, and the expansion of its loan portfolio and fee-based income.
Key Drivers of Future Revenue Growth:
- Regional Expansion in the Southeast: Fifth Third Bancorp is committed to aggressive expansion in the high-growth U.S. Southeast market. The company planned to open 40 new branches by the end of 2025, aiming for nearly 400 branches in the region. Branches opened between 2022 and 2024 have exceeded initial deposit targets, averaging over $25 million in balances within their first year. This expansion is supported by data-driven strategies utilizing geospatial analytics to maximize market share. This strategic market penetration includes deploying integrated services such as consumer banking and wealth management to capture significant market share in economically vibrant regions.
- Digital Innovation and Fintech Solutions: The bank's digital transformation is a cornerstone of its customer engagement strategy, with significant investments in user-centric platforms like mobile check deposit, embedded payments via Newline™, and AI-driven personalization. Digital transaction volumes surged over 40% year-over-year by mid-2025. Strategic investments in digital and fintech solutions, such as the Newline embedded payments platform, have shown a 30% revenue growth and an increase in connected commercial deposits. These digital solutions are designed for scalability in a low-cost, high-margin environment.
- Strategic Acquisitions (including Comerica Merger): Fifth Third's acquisition strategy is focused on enhancing its technological and service capabilities. A significant future driver is the definitive merger agreement to acquire Comerica Incorporated in an all-stock transaction valued at $10.9 billion, expected to close by the end of Q1 2026. This merger is anticipated to lead to increased market share, diversified revenue streams, and enhanced economies of scale, positioning FITB as a more formidable competitor. The integration of Comerica's Texas footprint will leverage Fifth Third's proven playbook and differentiated digital offerings to drive retail deposit growth.
- Loan Growth and Net Interest Income (NII) Expansion: Fifth Third Bancorp has demonstrated consistent loan growth, with average loans increasing 6% year-over-year in Q3 2025, marking the fourth consecutive quarter of accelerated year-over-year loan growth. The company expects average total loan balances to be up approximately 5% for the full year 2025 compared to 2024, driven by commercial & industrial (C&I) and auto lending. Net Interest Income (NII) is a strong contributor to performance, with a 7% year-over-year growth in Q2 and Q3 2025, and management raised its full-year NII growth guidance to 5.5% to 6.5%. This growth is supported by a diversified balance sheet, fixed-rate asset repricing, and proactive liability management.
- Diversification and Growth of Fee-Based Income: Fifth Third is strategically focused on expanding its non-interest income, which contributed 34% of total revenue on a last twelve months basis in Q2 2025. Key areas of growth include wealth and asset management, which saw an 11% year-over-year revenue increase in Q3 2025 driven by AUM growth. Commercial payments revenue also increased, partly due to Newline revenue. Capital markets fees rebounded strongly, up 28% sequentially in Q3 2025, reflecting increases in loan syndications and M&A advisory revenue. The focus on high-value verticals like commercial payments and wealth management aims to deepen existing relationships and provide integrated services.
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Share Repurchases
- Fifth Third Bancorp authorized a new share repurchase program of up to 100 million shares on June 16, 2025, which replaced the previous 2019 authorization that had 11.8 million shares remaining.
- The company executed a $300 million accelerated share repurchase (ASR) transaction, acquiring 6,929,352 shares, with final settlement on September 29, 2025. Following this, approximately 93.1 million shares remain authorized under the current program.
- In early 2025, Fifth Third completed a $225 million share repurchase, acquiring over 5.2 million shares, and repurchased approximately $125 million of its shares in 2024. The bank also executed a $200 million share repurchase in Q3 2024.
Share Issuance
- Fifth Third Bancorp's shares outstanding have generally declined over the past few years, with 0.687 billion shares outstanding in 2024 (a 0.05% decline from 2023), 0.688 billion in 2023 (a 1.05% decline from 2022), and 0.671 billion for Q3 2025 (a 2.22% decline year-over-year), indicating net repurchases rather than significant issuances.
Outbound Investments
- Fifth Third Bancorp announced a proposed merger with Comerica Incorporated, described as an "$11 Billion Comerica Grab," anticipated to close around the end of Q1 2026, aiming to expand its market presence.
- The company acquired DTS Connex in August 2025, which provides cash management solutions.
- In May 2023, Fifth Third acquired Rize Money, an embedded payments platform, to enhance its Treasury Management business and embedded payments offerings. Other recent fintech acquisitions include Big Data Healthcare in March 2023 and Dividend Finance in January 2022.
Capital Expenditures
- Fifth Third Bancorp is investing in strategic growth areas such as the Southeast region and payments technology.
- The bank added 13 branches in the Southeast during Q3 2025 and plans to open 27 more by the end of the year, with an expectation to open 60 additional branches in 2026.
- From 2019 to 2023, Fifth Third constructed approximately 100 new branches, primarily concentrated in high-growth markets. The company continues to invest in strengthening its presence in the Southeast, tech-led innovation, and modernizing its operating platform.
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Research & Analysis
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Peer Comparisons for Fifth Third Bancorp
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 63.28 |
| Mkt Cap | 158.8 |
| Rev LTM | 56,496 |
| Op Inc LTM | 11,544 |
| FCF LTM | 7,338 |
| FCF 3Y Avg | 7,736 |
| CFO LTM | 8,590 |
| CFO 3Y Avg | 8,914 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.2% |
| Rev Chg 3Y Avg | 3.2% |
| Rev Chg Q | 8.6% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 17.7% |
| Op Mgn 3Y Avg | 16.4% |
| QoQ Delta Op Mgn LTM | 0.1% |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 23.8% |
| FCF/Rev LTM | 20.1% |
| FCF/Rev 3Y Avg | 21.6% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Consumer and Small Business Banking | 6,312 | 4,184 | 2,792 | ||
| Commercial Banking | 5,184 | 3,882 | 3,093 | 3,204 | 3,547 |
| Wealth and Asset Management | 729 | 807 | 658 | 665 | 671 |
| General Corporate and Other | -3,492 | -321 | 1,525 | 778 | 464 |
| Eliminations | -177 | -180 | -153 | -143 | |
| Branch Banking | 2,418 | 3,173 | |||
| Consumer Lending | 700 | 621 | |||
| Total | 8,733 | 8,375 | 7,888 | 7,612 | 8,333 |
Price Behavior
| Market Price | $48.41 | |
| Market Cap ($ Bil) | 32.3 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $43.94 | $41.19 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 10.2% | 17.5% |
| 3M | 1YR | |
| Volatility | 26.6% | 28.1% |
| Downside Capture | 72.22 | 94.27 |
| Upside Capture | 88.05 | 95.09 |
| Correlation (SPY) | 47.4% | 69.8% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.62 | 1.02 | 0.88 | 1.08 | 1.01 | 1.11 |
| Up Beta | 0.56 | 1.11 | 1.22 | 1.44 | 0.86 | 1.07 |
| Down Beta | 0.69 | 1.72 | 1.69 | 1.57 | 1.35 | 1.22 |
| Up Capture | 91% | 54% | 22% | 78% | 74% | 113% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 12 | 22 | 32 | 67 | 125 | 393 |
| Down Capture | 47% | 86% | 63% | 74% | 101% | 103% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 7 | 19 | 30 | 58 | 122 | 354 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of FITB With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| FITB | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 16.9% | 16.3% | 17.8% | 72.1% | 8.6% | 4.4% | -8.2% |
| Annualized Volatility | 27.8% | 19.0% | 19.4% | 19.3% | 15.2% | 17.0% | 35.0% |
| Sharpe Ratio | 0.55 | 0.67 | 0.72 | 2.70 | 0.34 | 0.09 | -0.08 |
| Correlation With Other Assets | 80.6% | 69.7% | -11.6% | 24.1% | 59.3% | 23.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Comparison of FITB With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| FITB | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 16.6% | 16.1% | 14.7% | 18.7% | 11.5% | 4.6% | 30.8% |
| Annualized Volatility | 32.3% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.6% |
| Sharpe Ratio | 0.53 | 0.71 | 0.70 | 0.97 | 0.50 | 0.16 | 0.57 |
| Correlation With Other Assets | 82.3% | 59.1% | -3.1% | 17.9% | 51.4% | 23.7% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Comparison of FITB With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| FITB | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 12.9% | 13.2% | 14.8% | 15.3% | 7.0% | 5.3% | 69.2% |
| Annualized Volatility | 36.4% | 22.3% | 18.0% | 14.7% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.44 | 0.55 | 0.71 | 0.86 | 0.32 | 0.22 | 0.90 |
| Correlation With Other Assets | 86.0% | 65.4% | -8.9% | 26.7% | 55.8% | 15.8% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/17/2025 | 1.3% | 4.2% | 5.5% |
| 7/17/2025 | -1.0% | -0.7% | 0.3% |
| 4/17/2025 | -0.7% | 4.0% | 15.2% |
| 1/21/2025 | 1.2% | 1.4% | 0.0% |
| 10/18/2024 | -1.5% | -2.9% | 3.6% |
| 7/19/2024 | 1.9% | 4.0% | 1.1% |
| 4/19/2024 | 5.9% | 7.6% | 12.7% |
| 1/19/2024 | 2.9% | 5.0% | 2.1% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 14 | 22 |
| # Negative | 13 | 11 | 3 |
| Median Positive | 1.9% | 4.1% | 4.5% |
| Median Negative | -1.5% | -2.9% | -9.6% |
| Max Positive | 5.9% | 10.0% | 15.2% |
| Max Negative | -6.3% | -9.2% | -10.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11042025 | 10-Q 9/30/2025 |
| 6302025 | 8052025 | 10-Q 6/30/2025 |
| 3312025 | 5062025 | 10-Q 3/31/2025 |
| 12312024 | 2242025 | 10-K 12/31/2024 |
| 9302024 | 11052024 | 10-Q 9/30/2024 |
| 6302024 | 8062024 | 10-Q 6/30/2024 |
| 3312024 | 5072024 | 10-Q 3/31/2024 |
| 12312023 | 2272024 | 10-K 12/31/2023 |
| 9302023 | 11072023 | 10-Q 9/30/2023 |
| 6302023 | 8072023 | 10-Q 6/30/2023 |
| 3312023 | 5092023 | 10-Q 3/31/2023 |
| 12312022 | 2242023 | 10-K 12/31/2022 |
| 9302022 | 11082022 | 10-Q 9/30/2022 |
| 6302022 | 8052022 | 10-Q 6/30/2022 |
| 3312022 | 5092022 | 10-Q 3/31/2022 |
| 12312021 | 2252022 | 10-K 12/31/2021 |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | Bayh Evan | 10222025 | Buy | 41.21 | 2,000 | 82,420 | 3,459,250 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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