Fifth Third Bancorp (FITB)
NASDAQ: FITB · Real-Time Price · USD
$49.3
-0.34 (-0.7%)· Live
StockMarketAgent Research
Our analysis: FITB rated Hold
FITB is rated Hold at $47.60 versus the reconciled fair value midpoint of $51.17, implying +7.50% upside/downside. Confidence is separately disclosed at 88/100.
Fair value (mid)
$51.2 / share
$32.1 – $68.9
Upside to FV
+7.5%
from $49.3
Confidence
88/100
Moat
6.5/10
Biggest opportunity
Long-term value relies entirely on residual income generation rather than aggressive multiple expansion.
Biggest risk
Severe Credit Cycle Downturn
Robust upside asymmetry exists versus downside risk, bounded by the DDM floor.
Recommended action
Hold
FITB is rated Hold at $47.60 versus the reconciled fair value midpoint of $51.17, implying +7.50% upside/downside. Confidence is separately disclosed at 88/100.
Position sizing playbook →| Market cap | $43.1B | |
|---|---|---|
| Revenue (ttm) | 9B | |
| Net income (ttm) | 2B | |
| EPS (ttm) | $2.84 | |
| Shares out | 906.3M | |
| P/E (trailing) | 17.4x | |
| P/E (forward) | 9.7x | |
| Dividend | $1.60 (3.24%) | |
| Volume | 4,216,490 | |
| Beta | 0.96 | |
| Price target | $55.2 | +11.9% |
Market data
Price
Recent price action with selectable time range.
Financial snapshot
- Revenue (ttm)
- 9B
- Net income (ttm)
- 2B
- EPS (ttm)
- $2.84
- P/E (trailing)
- 17.4x
- P/E (forward)
- 9.7x
- Market cap
- $43.1B
| Item | P1 | P2 | P3 | P4 | P5 | Trend |
|---|---|---|---|---|---|---|
| Period | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Trend |
| Revenue | $7.51B | $8.10B | $8.43B | $8.27B | $8.82B | +4.1% |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.77B | $2.45B | $2.35B | $2.31B | $2.52B | -2.3% |
| EPS (diluted) | — | $3.35 | $3.22 | $3.14 | $3.53 | +1.3% |
| EBITDA | — | — | — | — | — | — |
| R&D | — | — | — | — | — | — |
| SG&A | $2.98B | $2.97B | $3.34B | $3.19B | $3.22B | +1.9% |
Fair-value bridge
- Fair value (low)
- $32.1
- Fair value (mid)
- $51.2
- Fair value (high)
- $68.9
- Current price
- $49.3
- Upside to mid
- +7.5%
Valuation models
| Model | Fair value (mid) | Weight |
|---|---|---|
| Residual income | $52.88 | 40% |
| Forward earnings | $55.59 | 45% |
| Ddm | $33.34 | 15% |
| Reverse DCF | $0.00 | 0% |
| Peg adjusted peer | $35.70 | 0% |
| Discounted earnings | $104 | 0% |
| Owner earnings | $92.51 | 0% |
| Multi stage moat fade | $145 | 0% |
| FCFF DCF | $0.00 | 0% |
| Ev revenue | $0.00 | 0% |
| Nav affo | $0.00 | 0% |
Analyst consensus
Recommendation
Buy
Price target
$55.2
+11.9%
In the news
Latest news · FITB
Recent company headlines from major financial publishers.
Valuation
- Market cap
- $43.1B
- P/E (trailing)
- 17.4x
- P/E (forward)
- 9.7x
- P/S
- 5.0x
- P/B
- 1.4x
- PEG
- 0.84
Profitability
- Operating margin
- 30.7%
- ROE
- 8.0%
- ROA
- 0.9%
Trading
- Beta
- 0.96
- Volume
- 4,216,490
- Dividend yield
- 3.2%
Scenarios & expected return
Probability-weighted: +4.9% expected return to fair value
Bull20%
Price target
$68.93
+44.8% from spot
A soft economic landing limits commercial credit losses while wealth management drives fee growth, propelling multiple expansion and earnings significantly above internal valuation cross-check expectations.
- Resilient net interest margins
- Strong wealth management growth
- Multiple expansion toward 14x P/E
Base55%
Price target
$51.17
+7.5% from spot
Stable regional banking footprint delivers consistent profitability. Residual income generation and prudent risk management support a $51.17 valuation despite near-term macroeconomic noise and rate cycle effects.
- 8.55% Cost of Equity
- 11.5x Terminal P/E
- 45.6% Y1 revenue spike
Bear25%
Price target
$32.07
-32.6% from spot
Margin compression and commercial real estate losses severely degrade ROE. Valuation retreats to the $32.07 DDM floor as the market prices in a sustained credit downcycle and restricts dividend capacity.
- Deposit cost pressures
- Elevated CRE charge-offs
- Multiple contraction to 9x P/E
Valuation models & bridge
Each model produces an independent fair value. Weighted average = $51.2.
| Model | Weight | FV / share | vs spot | Contribution |
|---|---|---|---|---|
| Residual income | 40% | $52.9 | +7.2% | |
| Forward earnings | 45% | $55.6 | +12.7% | |
| Ddm | 15% | $33.3 | -32.4% | |
| Reverse DCF | 0% | $0.00 | -100.0% | |
| Peg adjusted peer | 0% | $35.7 | -27.6% | |
| Discounted earnings | 0% | $104 | +110.1% | |
| Owner earnings | 0% | $92.5 | +87.5% | |
| Multi stage moat fade | 0% | $145 | +194.6% | |
| FCFF DCF | 0% | $0.00 | -100.0% | |
| Ev revenue | 0% | $0.00 | -100.0% | |
| Nav affo | 0% | $0.00 | -100.0% | |
| Composite FV (weighted) | 100% | $51.2 | +7.5% |
Sensitivity: Ke × terminal growth
The highlighted base cell is anchored to valuation synthesis sensitivity reference ($51.17). It is the reference value for this grid, not a separate standalone fair-value claim.
| Ke ↓ / g → | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.9% | $62.8 | $70.8 | $81.1 | $89.5 | $89.5 |
| 6.9% | $51.2 | $56.4 | $62.8 | $70.8 | $81.1 |
| 7.9% | $43.2 | $46.9 | $51.2 | $56.4 | $62.8 |
| 8.9% | $37.4 | $40.1 | $43.2 | $46.9 | $51.2 |
| 9.9% | $32.9 | $35.0 | $37.4 | $40.1 | $43.2 |
Scorecard
Factor radar (left) · 9-category weighted composite (right)
Valuation5.0
Management5.9
Balance Sheet5.0
Profitability5.5
Revenue Growth9.0
Risk Assessment6.0
Competitive Moat6.5
Earnings Quality6.0
Capital Efficiency4.0
Weighted composite
5.9/10
Mixed| Category | Weight | Score | Reading |
|---|---|---|---|
| Valuation | 11% | 5.0 | |
| Management | 11% | 5.9 | |
| Balance Sheet | 11% | 5.0 | |
| Profitability | 11% | 5.5 | |
| Revenue Growth | 11% | 9.0 | |
| Risk Assessment | 11% | 6.0 | |
| Competitive Moat | 11% | 6.5 | |
| Earnings Quality | 11% | 6.0 | |
| Capital Efficiency | 11% | 4.0 |
Position sizing & entry playbook
Pre-committed rules, followed irrespective of news flow.
Conviction tier
High
Confidence 88/100
Target weight
Standard allocation. A high confidence score of 88/100 warrants a neutral sizing approach relative to benchmark weights.
of equity sleeve
Current / pullbacks
$49.3
Thesis break
Risk to thesis
- Trim if implied growth rate from reverse DCF pushes above 5% or if the dividend payout ratio breaches 75%.
Calendar
Next earnings
Upcoming earnings date and setup when available.
Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—
Sector percentile context
Refreshed 2026-05-10 22:07 UTC
Forward P/E9.7
P25 n/aP50 n/aP75 n/a
Trailing P/E0
P25 n/aP50 n/aP75 n/a
ROE8
P25 n/aP50 n/aP75 n/a
ROICn/a
P25 n/aP50 n/aP75 n/a
Benchmarks · 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a
All FITB indicators
Market & fundamental data
Available fields
244
Groups with data
11
Currency
USD
Showing 244 of 244 available metrics for this ticker.
Deeper analysis on FITB
14 sections in the full report · jump straight to what you need
Forecast
Bull, base, and bear cases with expected-return framing.
Valuation
Fair-value bridge, DCF, owner earnings, and peer multiples.
Sensitivity
Cost-of-equity and terminal-growth stress table.
Risks
Kill scenarios, soft-pass flags, and downside catalysts.
Earnings
Next earnings setup and beat / inline / miss thresholds.
Position sizing
Entry, exit, conviction, and quarterly monitoring rules.
Financials
Revenue, margins, cash flow, and balance-sheet context.
Peers
Relative valuation and profitability against the cohort.
Moat
Economic-profit evidence and competitive advantage risk.
Industry cycle
Sector phase, capital cycle, and secular tailwinds.
Scorecard
Six-factor overlay and 9-category weighted scorecard.
Recommendation
Final action, action steps, opportunity, and biggest risk.
Perspectives
Growth, value, and income investor reads.
Archive
Prior monthly reports and rating changes.
Frequently asked questions
About this FITB report
What is the current FITB stock rating?
Fifth Third Bancorp is currently shown with Hold in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.
Where can I read the full FITB analysis?
The full report lives at /stocks/FITB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.
What fair-value range is used for FITB?
The latest report frames FITB around $32 to $69. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.
How often is the FITB page updated?
The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.
HoldFITB · Fair value $51.2+7.5% · Confidence 88/100