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Fifth Third Bancorp
(NYSE:FITB)
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Rating:69Neutral
Price Target:
$57.00
â–²(3.92% Upside)
Action:Downgraded
Date:09/24/26
FITB scores as moderately attractive overall, led by a strong and improving fundamental narrative from the latest earnings call (raised NII guidance, synergy capture roadmap, improving profitability/credit metrics, and planned buyback resumption). Financial statement performance is solid with better revenue momentum and a strengthened capital base, partially offset by lower ROE and margin compression versus prior peaks. Technical indicators are the main drag due to bearish momentum despite oversold readings, while valuation is fair with a supportive dividend yield.
Positive Factors
Net Interest Income Growth
Expanding net interest margin and higher full-year NII guidance indicate improving earnings power from the core banking franchise. Loan growth, asset repricing and deposit performance are supporting revenue durability, providing a stronger base for profitability over the coming quarters.
Negative Factors
AOCI Capital Pressure
AOCI-related unrealized securities losses are reducing regulatory capital and leaving CET1 below management’s operating target when included. This constrains near-term capital flexibility and could affect the pace of distributions until accumulated losses recover.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Income Growth
Expanding net interest margin and higher full-year NII guidance indicate improving earnings power from the core banking franchise. Loan growth, asset repricing and deposit performance are supporting revenue durability, providing a stronger base for profitability over the coming quarters.
Read all positive factors
Fifth Third Bancorp Key Performance Indicators (KPIs)
Any
Assets by Segment
Breaks down the company's assets across different segments, providing insight into asset allocation, growth opportunities, and potential risks tied to specific business areas.
Breaks down the company's assets across different segments, providing insight into asset allocation, growth opportunities, and potential risks tied to specific business areas.
Data provided by:
The Fly
The FlyFifth Third Bancorp (FITB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$45.72B
Dividend Yield3.18%
Average Volume (3M)5.60M
Price to Earnings (P/E)17.2
Beta (1Y)1.02
Revenue Growth17.05%
EPS Growth-8.65%
CountryUS
Employees25,197
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.96
Shares Outstanding906,892,600
10 Day Avg. Volume7,594,398
30 Day Avg. Volume5,595,851
Financial Highlights & Ratios
PEG Ratio1.07
Price to Book (P/B)1.43
Price to Sales (P/S)2.42
P/FCF Ratio8.17
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$62.92Price Target Upside14.72% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering13
EPS Forecast (FY)3.06
Revenue Forecast (FY)$12.88B
Fifth Third Bancorp Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Fifth Third Bancorp primarily earns money by intermediating deposits and loans and by charging fees for banking and financial services.
1) Net interest income (core banking spread): A major source of earnings is net interest income—the difference...
Fifth Third Bancorp Earnings Call Summary
Earnings Call Date:Jul 17, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 19, 2026
Earnings Call Sentiment Positive
The call emphasized strong integration momentum, improved profitability metrics (ROTE, ROA, NIM expansion), meaningful deposit and fee growth across strategic channels (Newline, wealth, Direct Express), early realization of expense synergies with clear roadmap to unlock $850M+ run-rate savings, and conservative credit metrics—balanced against near-term merger charges, execution risk around the Labor Day systems conversion, elevated asset sensitivity post-transaction, and competitive deposit pricing. On balance, operational and financial progress, upgraded guidance, and visible revenue and expense synergy trajectories dominate the narrative.Positive Updates
Earnings Per Share and Adjusted Metrics
Reported EPS of $0.83 (or $1.02 excluding certain items). Adjusted return on tangible common equity improved to 19%, adjusted return on assets improved to 1.3%, and adjusted efficiency ratio improved to ~57% (57.1%).
Negative Updates
Merger-Related Charges and Q3 Conversion Costs
Recorded $203M in merger-related charges this quarter and absorbed $175M of after-tax charges related to the merger and other items. Additional conversion- and branch-closure related charges of approximately $50M–$100M expected in Q3.
Read all updates
Q2-2026 Updates
Positive
Negative
Earnings Per Share and Adjusted Metrics
Reported EPS of $0.83 (or $1.02 excluding certain items). Adjusted return on tangible common equity improved to 19%, adjusted return on assets improved to 1.3%, and adjusted efficiency ratio improved to ~57% (57.1%).
Read all positive updates
Company Guidance
Management raised full‑year NII guidance to $8.74–8.80 billion (based on the June forward curve, which assumes a 25 bp Sept. hike) and narrowed average loan guidance to $174–176 billion (FY avg includes 11 months of Comerica), increased full‑year non‑interest income to $4.06–4.16 billion, and lowered adjusted non‑interest expense to $7.22–7.26 billion (ex‑acquisition charges); together those ranges imply >40% adjusted PPNR growth versus 2025. They expect to unlock the majority of the remaining $850 million annualized expense synergies in Q4 after the Labor Day systems conversion, to exit 2026 at profitability/efficiency consistent with 2027 targets, and to resume regular share repurchases in H2 (with Q4 pacing roughly $200–300M/quarter). For Q3 specifically management sees NII up 2.0–2.5% sequentially, average loans up ~1% (led by C&I, home equity, auto), adjusted non‑interest income up 1–3%, and adjusted non‑interest expense down 1–2%; credit guidance is 2H net charge‑offs of 30–35 bps (full year in the bottom half of a 30–40 bps range), with a CET1 operating target of 10–10.5%, LCR Category 1 at 107%, and a loan‑to‑core‑deposit ratio around 77%.Fifth Third Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 14.88B | 12.87B | 13.05B | 12.36B | 9.08B | 7.95B |
| Gross Profit | 10.19B | 8.40B | 7.72B | 7.91B | 7.54B | 7.88B |
| EBITDA | 3.46B | 3.62B | 3.41B | 3.45B | 3.53B | 3.87B |
| Net Income | 2.35B | 2.52B | 2.31B | 2.35B | 2.45B | 2.77B |
Balance Sheet | ||||||
| Total Assets | 300.12B | 214.38B | 212.93B | 214.57B | 207.45B | 211.12B |
| Cash, Cash Equivalents and Short-Term Investments | 88.94B | 22.38B | 58.94B | 74.92B | 62.45B | 75.16B |
| Total Debt | 22.27B | 14.52B | 18.97B | 19.43B | 18.61B | 12.65B |
| Total Liabilities | 265.70B | 192.65B | 193.28B | 195.40B | 190.13B | 188.91B |
| Stockholders Equity | 34.42B | 21.72B | 19.64B | 19.17B | 17.33B | 22.21B |
Cash Flow | ||||||
| Free Cash Flow | 3.49B | 3.81B | 2.41B | 3.99B | 5.74B | 2.40B |
| Operating Cash Flow | 3.67B | 4.51B | 2.82B | 4.51B | 6.43B | 2.70B |
| Investing Cash Flow | -3.65B | -1.85B | 1.04B | -9.49B | -4.87B | -7.97B |
| Financing Cash Flow | 1.39B | -2.18B | -3.99B | 4.66B | -1.08B | 5.11B |
Fifth Third Bancorp Technical Analysis
Negative
54.85
Price Trends
54.42
Negative
53.59
Negative
50.86
Positive
Market Momentum
-1.08
Positive
36.60
Neutral
21.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FITB, the sentiment is Negative. The current price of 54.85 is above the 20-day moving average (MA) of 52.43, above the 50-day MA of 54.42, and above the 200-day MA of 50.86, indicating a neutral trend. The MACD of -1.08 indicates Positive momentum. The RSI at 36.60 is Neutral, neither overbought nor oversold. The STOCH value of 21.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FITB.
Fifth Third Bancorp Risk Analysis
Fifth Third Bancorp disclosed 44 risk factors in its most recent earnings report. Fifth Third Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Fifth Third Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $88.07B | 12.16 | 12.34% | 3.21% | 5.73% | 24.15% | |
72 Outperform | $31.39B | 11.56 | 10.66% | 2.74% | 0.31% | 22.76% | |
71 Outperform | $22.97B | 10.93 | 11.79% | 4.04% | 0.26% | 14.72% | |
69 Neutral | $45.72B | 17.19 | 8.43% | 3.18% | 17.05% | -8.65% | |
69 Neutral | $56.54B | 10.53 | 9.01% | 4.48% | 0.36% | 18.53% | |
68 Neutral | $30.69B | 11.27 | 8.58% | 4.04% | 18.13% | -3.57% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
FITB
Fifth Third Bancorp
50.87
8.49
20.04%
TFC
Truist Financial
46.45
2.98
6.86%
HBAN
Huntington Bancshares
15.33
-0.76
-4.73%
MTB
M&T Bank
219.14
34.43
18.64%
PNC
PNC Financial
221.03
31.64
16.71%
RF
Regions Financial
27.10
2.25
9.03%
Fifth Third Bancorp Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Fifth Third Redeems Senior Notes, Refines Capital Structure
Positive
Sep 24, 2026
Fifth Third Bancorp, a long-established U.S. banking group and indirect parent of Fifth Third Bank, National Association, provides deposit and credit products and related financial services across retail and commercial markets. Listed on the NYSE ...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Fifth Third Announces Results of Senior Notes Exchange Offer
Positive
Sep 23, 2026
On September 23, 2026, Fifth Third Bancorp reported the expiration and results of a registered exchange offer for its unregistered senior notes originally issued in a prior private transaction. The offer, which expired at 5:00 p.m. New York time o...
Business Operations and StrategyM&A Transactions
Fifth Third to Present at Barclays Financial Services Conference
Positive
Sep 14, 2026
Fifth Third Bancorp said it will present on September 15, 2026, at the Barclays Global Financial Services Conference, highlighting its position as a top-10 U.S. bank and its progress in scaling assets, deposits and market reach. The presentation u...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Fifth Third Launches Exchange Offer for Senior Notes
Positive
Aug 21, 2026
On August 21, 2026, Fifth Third Bancorp announced it had commenced a registered exchange offer for all of its outstanding unregistered senior notes previously issued under Securities Act exemptions. The move follows a June 10, 2026 exchange in whi...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Fifth Third Highlights Strategy and Growth in Investor Roadshow
Positive
Jul 30, 2026
In July 2026, Fifth Third Bancorp executives planned a non‑deal roadshow to present the company’s operations and performance to institutional investors, highlighting its sustained total shareholder return outperformance versus peers. T...
Business Operations and StrategyFinancial Disclosures
Fifth Third Bancorp Reports Strong Second-Quarter 2026 Results
Positive
Jul 17, 2026
Fifth Third Bancorp reported second-quarter 2026 results that showed strengthening earnings power at the combined company, with reported earnings per share of $0.83 and adjusted EPS of $1.02. Net interest income and noninterest income rose year ov...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.