Fifth Third Bancorp (FITB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Fifth Third Bancorp

NYSE•Financial Services•Banks - Regional

$53.27+0.86(0.02%)After hours

Market Cap

$47.78B

P/E

20.4x

P/S

4.4x

P/B

1.4x

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.

How this company scores

WeakMetricSide Score: 61/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Growth (18/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability16/25

Growth18/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality14/25

Strengths

Growing revenueStrong marginsCash-backed earningsImproving leverage

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 20.4x5y range 6.8x – 20.4x

Currently above its 20-quarter median.

P/S · 4.4x5y range 2.0x – 4.4x

Currently above its 20-quarter median.

P/B · 1.4x5y range 1.0x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 16.0% — watch for continued compression, which may signal competitive or cost pressure.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $47.78B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $10.74B
Q. Revenue: $3.27B
TTM EBITDA: $3.68B
TTM Op. Income: $2.99B
Q. Op. Income: $1.04B
TTM Net Income: $2.35B
Q. Net Income: $801.00M
EPS: $0.84
Shares Out.: $911.61M

$10.74B in TTM revenue grew 23.8% YoY, reaching $3.27B last quarter. TTM EBITDA of $3.68B and TTM operating income of $2.99B show growth is flowing through to the bottom line. TTM net income of $2.35B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 37.9%
Op. Margin: 31.6%
Net Margin: 24.5%

Op. margin of 31.6% is down 4.3% YoY — costs are rising relative to revenue. Net margin at 24.5% Over the past year, operating margin is down 12% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 20.4x
P/S Ratio: 4.4x
P/B Ratio: 1.4x

At 20.4x P/E, the stock trades within typical market levels. P/S of 4.4x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $300.18B
Cash: $4.37B
Long-Term Debt: $17.64B
Book Value: $34.48B
D/E Ratio: 0.5
Debt/EBITDA: 14.2

With $300.18B in assets and $17.64B in long-term debt, D/E is 0.5and book value is $34.48B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $2.80B
TTM Free Cash Flow: $3.02B
FCF Margin: 28.1%
FCF / Net Income: 1.3

TTM FCF of $3.02B on $2.80B in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 20% — an improving trend.