Fifth Third BancorpFITB
NasdaqGS•Financial Services•Banks - Regional
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.
Fifth Third Bancorp (FITB) reported trailing twelve months revenue of $12.87B as of December 2025, a 1.6% decline year-over-year. Quarterly revenue reached $3.28B, reflecting a contraction in sales.
Fifth Third Bancorp generated $2.52B in TTM net income, with quarterly EBITDA of $912.00M. The operating margin expanded from 23.7% to 27.8%, suggesting improving cost efficiency and pricing discipline.
The spread between operating margin (27.8%) and net margin (22.3%) indicates moderate non-operating costs. Net margin has improved from 19.2% a year ago, signaling stronger bottom-line efficiency.
FITB trades at a P/E of 12.6x (below the broader market average) and a P/S of 2.5x. The price-to-book ratio of 1.5x reflects a moderate premium to book value.
The company generated $754.00M in free cash flow over the trailing twelve months, a 430.7% increase year-over-year, indicating cash generation ability. The balance sheet shows $214.38B in total assets with $13.59B in long-term debt against $21.72B in stockholders equity for a debt-to-equity ratio of 0.6. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are expanding at ~23.6%, suggesting durable pricing power and cost discipline.
ROE is positive at ~11.5% on average, adequate but below the threshold typically associated with wide moats.
Free cash flow is consistently positive and growing — a hallmark of a capital-light business that can self-fund growth.
Revenue has grown modestly overall (~1.0%) but trajectory is uneven, suggesting a competitive or cyclical business.
Data-driven red flags and warnings across 21 quarters
Margins are stable or improving at ~24.9% — no sign of cost or pricing stress.
FCF covers net income by 1.3x on average — earnings are well-supported by cash generation.
D/E ratio is 0.6 — conservative capital structure with low financial risk.
Revenue has softened, declining in 4 quarters. Monitor for further erosion.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Shares decreased 3.1% — net buybacks are reducing shares outstanding and boosting per-share value.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation