Financial Services · Banks - Regional
Price
$57.27
Market Cap
$51.9B
Employees
25,980
Beta
0.95
Avg Volume
6,998,312
CEO
Tim Spence
Business 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 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.
Business History
Price Overview
Price at report time · Jul 2, 8:35pm (0m ago)
$57.16
Change · Jul 2
-0.33 (-0.57%)
Day Range
$56.68 – $57.87
52-Week Range
$40.05 – $58.15
50-Day MA
$51.23
200-Day MA
$47.84
Volume
5,452,376.00
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$53.00
Consensus
$57.50
High
$63.00
(47 analysts)
Share Structure
Outstanding
906,311,548.00
Float
902,260,335.00
Free Float
99.6%
High free float
— 99.6% of shares trade freely, ~0.4% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
21.70
Stock Price: $57.27
EPS (Diluted): 3.55
EPS (Diluted): 3.55
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.43
Stock Price: $57.27
Total Equity: $21.72B
Shares: 669,153,000
Total Equity: $21.72B
Shares: 669,153,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
20.08
Market Cap: $51.91B
Total Debt: $14.52B
Cash: $3.50B
EBITDA: $3.62B
Total Debt: $14.52B
Cash: $3.50B
EBITDA: $3.62B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$42.1B
Market Cap: $51.91B
Total Debt: $14.52B
Cash: $3.50B
Total Debt: $14.52B
Cash: $3.50B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
65.3%
Gross Profit: $8.40B
Revenue: $12.87B
Revenue: $12.87B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
24.9%
Operating Income: $3.21B
Revenue: $12.87B
Revenue: $12.87B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
19.6%
Net Income: $2.52B
Revenue: $12.87B
Revenue: $12.87B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
8.9%
Net Income: $2.52B
Total Equity: $21.72B
Total Equity: $21.72B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
0.7%
Operating Income: $3.21B
Tax Rate: 21.4%
Equity: $21.72B
Total Debt: $14.52B
Cash: $3.50B
Tax Rate: 21.4%
Equity: $21.72B
Total Debt: $14.52B
Cash: $3.50B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.82
Current Assets: $143.51B
Current Liabilities: $174.83B
Current Liabilities: $174.83B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.67
Short-Term Debt: $926.00M
Long-Term Debt: $13.59B
Total Debt: $14.52B
Total Equity: $21.72B
Long-Term Debt: $13.59B
Total Debt: $14.52B
Total Equity: $21.72B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$19.23
Revenue: $12.87B
Shares: 669,153,000
Shares: 669,153,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$32.46
Total Equity: $21.72B
Shares: 669,153,000
Shares: 669,153,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$5.69
Operating CF: $4.51B
CapEx: -$709.00M
Shares: 669,153,000
CapEx: -$709.00M
Shares: 669,153,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
3.7%
Last Dividend: N/A
Stock Price: $57.27
Stock Price: $57.27
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $2.52B
Net Income: $2.52B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares FITB against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 2, 2026 8:35pm (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $7.9B | $9.1B | $12.4B | $13.0B | $12.9B |
| Cost of Revenue | $64.0M | $1.5B | $4.4B | $5.3B | $4.5B |
| Gross Profit | $7.9B | $7.5B | $7.9B | $7.7B | $8.4B |
| Operating Expenses | $4.4B | $4.4B | $4.9B | $4.8B | $5.2B |
| Operating Income | $3.5B | $3.1B | $3.0B | $2.9B | $3.2B |
| Net Income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B |
| EBITDA | $3.9B | $3.5B | $3.5B | $3.4B | $3.6B |
| EPS | $3.78 | $3.38 | $3.23 | $3.16 | $3.55 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 2, 2026 8:35pm (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $3.0B | $3.5B | $3.1B | $3.0B | $3.5B |
| Total Current Assets | $81.9B | $68.8B | $80.7B | $65.6B | $143.5B |
| Total Assets | $211.1B | $207.5B | $214.6B | $212.9B | $214.4B |
| Current Liabilities | $170.1B | $168.6B | $172.0B | $171.9B | $174.8B |
| Long-Term Debt | $11.8B | $13.7B | $16.4B | $14.3B | $13.6B |
| Total Liabilities | $188.9B | $190.1B | $195.4B | $193.3B | $192.7B |
| Total Equity | $22.2B | $17.3B | $19.2B | $19.6B | $21.7B |
| Retained Earnings | $20.2B | $21.7B | $23.0B | $24.2B | $25.5B |
Cash Flow (Annual)
Last updated: Jul 2, 2026 8:35pm (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $2.7B | $6.4B | $4.5B | $2.8B | $4.5B |
| Capital Expenditure | -$309.0M | -$685.0M | -$516.0M | -$414.0M | -$709.0M |
| Free Cash Flow | $2.4B | $5.7B | $4.0B | $2.4B | $3.8B |
| Acquisitions (net) | -$297.0M | -$851.0M | $0 | $6.0M | -$36.0M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$1.4B | -$100.0M | -$200.0M | -$625.0M | -$525.0M |
| Net Change in Cash | -$153.0M | $472.0M | -$324.0M | -$128.0M | $485.0M |
Analyst Estimates (Annual)
Last updated: Jul 2, 2026 8:35pm (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$9.0B $9.0B – $9.1B
|
$12.9B $12.8B – $12.9B
|
$13.9B $13.3B – $14.3B
|
$14.5B $14.5B – $14.5B
|
| EBITDA |
$3.1B $3.0B – $3.1B
|
$4.4B $4.3B – $4.4B
|
$4.7B $4.5B – $4.8B
|
$4.9B $4.9B – $4.9B
|
| Net Income |
$2.3B $2.3B – $2.4B
|
$2.1B $2.0B – $2.1B
|
$3.2B $2.8B – $3.6B
|
$3.5B $2.9B – $4.0B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 2, 2026 8:35pm (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +14.3% | +36.1% | +5.6% | -1.4% |
| Gross Profit Growth | -4.4% | +4.9% | -2.3% | +8.8% |
| Operating Income Growth | -12.1% | -3.4% | -2.4% | +10.1% |
| Net Income Growth | -11.7% | -4.0% | -1.5% | +9.0% |
| EBITDA Growth | -8.7% | -2.2% | -1.1% | +6.0% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-02-12 | Feiger Mitchell Stuart | S-Sale | 32,769.00 | $54.68 | $1.8M |
| 2026-02-12 | Feiger Mitchell Stuart | S-Sale | 101.00 | $54.68 | $5,523 |
| 2026-02-12 | Feiger Mitchell Stuart | S-Sale | 49,175.00 | $54.68 | $2.7M |
| 2026-04-29 | Gibson Kala | G-Gift | 4,300.00 | $0.00 | $0 |
| 2026-04-28 | Sefzik Peter L | S-Sale | 398.00 | $50.44 | $20,075 |
| 2026-04-28 | Sefzik Peter L | S-Sale | 100.00 | $50.45 | $5,045 |
| 2026-04-28 | Sefzik Peter L | S-Sale | 435.00 | $50.45 | $21,946 |
| 2026-04-28 | Sefzik Peter L | S-Sale | 18,767.00 | $50.46 | $946,983 |
| 2026-04-28 | Sefzik Peter L | S-Sale | 100.00 | $50.47 | $5,047 |
| 2026-04-28 | Sefzik Peter L | S-Sale | 200.00 | $50.47 | $10,094 |
| 2026-04-21 | Feiger Mitchell Stuart | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Almodovar Priscilla | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Benitez Jorge L. | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Bayh Evan | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Akins Nicholas K | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Desmangles Laurent | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Smith Barbara | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | KERR DEREK J | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Heminger Gary R. | A-Award | 2,838.00 | $0.00 | $0 |
| 2026-04-21 | Rogers Kathleen A | A-Award | 2,838.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 2, 2026 8:35pm (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-06-30 | $0.40 | 2026-06-11 | 2026-06-30 | 2026-07-15 |
| 2026-03-31 | $0.40 | 2026-03-17 | 2026-03-31 | 2026-04-15 |
| 2025-12-31 | $0.40 | 2025-12-08 | 2025-12-31 | 2026-01-15 |
| 2025-09-30 | $0.40 | 2025-09-12 | 2025-09-30 | 2025-10-15 |
| 2025-06-30 | $0.37 | 2025-06-12 | 2025-06-30 | 2025-07-15 |
| 2025-03-31 | $0.37 | 2025-03-20 | 2025-03-31 | 2025-04-15 |
| 2024-12-31 | $0.37 | 2024-12-10 | 2024-12-31 | 2025-01-15 |
| 2024-09-30 | $0.37 | 2024-09-12 | 2024-09-30 | 2024-10-15 |
| 2024-06-28 | $0.35 | 2024-06-13 | 2024-06-28 | 2024-07-15 |
| 2024-03-27 | $0.35 | 2024-03-18 | 2024-03-28 | 2024-04-15 |
| 2023-12-28 | $0.35 | 2023-12-12 | 2023-12-29 | 2024-01-16 |
| 2023-09-28 | $0.35 | 2023-09-11 | 2023-09-30 | 2023-10-16 |
| 2023-06-29 | $0.33 | 2023-06-13 | 2023-06-30 | 2023-07-17 |
| 2023-03-30 | $0.33 | 2023-03-16 | 2023-03-31 | 2023-04-17 |
| 2022-12-29 | $0.33 | 2022-12-13 | 2022-12-30 | 2023-01-17 |
| 2022-09-29 | $0.33 | 2022-09-12 | 2022-09-30 | 2022-10-17 |
| 2022-06-29 | $0.30 | 2022-06-14 | 2022-06-30 | 2022-07-15 |
| 2022-03-30 | $0.30 | 2022-03-18 | 2022-03-31 | 2022-04-18 |
| 2021-12-30 | $0.30 | 2021-12-14 | 2021-12-31 | 2022-01-18 |
| 2021-09-29 | $0.30 | 2021-09-13 | 2021-09-30 | 2021-10-15 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for FITB — it's generated by the pipeline (
market-narrative step).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.373 · 697c9e64 · 2026-07-02 20:17:59