Fifth Third BancorpFITBI
NasdaqGS•Financial Services•Banks - Regional
Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that engages in the provision of 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. The Consumer and Small Banking segment provides a range of deposit and loan products to individuals and small businesses; home equity loans and lines of credit; credit cards; and cash management services. This segment also engages in the residential mortgage that include origination, retention and servicing of residential mortgage loans, sales and securitizations of loans, and hedging activities; indirect lending, including extending loans to consumers through automobile dealers, motorcycle dealers, powersport dealers, recreational vehicle dealers, and marine dealers; and home improvement and solar energy installation loans through contractors and installers. The Wealth & Asset Management segment provides various wealth management services for individuals, companies, and not-for-profit organizations. It offers retail brokerage services to individual clients; and broker dealer services to the institutional marketplace. This segment also provides wealth planning, investment management, banking, insurance, and trust and estate services; and advisory services for institutional clients comprising middle market businesses, non-profits, states, and municipalities. The company was founded in 1858 and is headquartered in Cincinnati, Ohio.
Fifth Third Bancorp - Depositar (FITBI) reported trailing twelve months revenue of $9.73B as of March 2026, a 13.9% increase year-over-year. Quarterly revenue reached $2.83B, reflecting continued top-line momentum.
Fifth Third Bancorp - Depositar generated $2.17B in TTM net income, with quarterly EBITDA of $411.00M. The operating margin contracted from 30.8% to 7.5%, suggesting rising cost pressures or pricing headwinds.
The spread between operating margin (7.5%) and net margin (5.8%) indicates tight cost control with minimal non-operating drag. Net margin has narrowed from 24.1% a year ago, reflecting increased costs or interest expense.
FITBI trades at a P/E of 9.6x (below the broader market average) and a P/S of 2.1x. The price-to-book ratio of 0.6x suggests the stock trades below its book value.
The company reported negative free cash flow of $-1.25B, indicating cash consumption over the period. The balance sheet shows $297.04B in total assets with $18.75B in long-term debt against $34.11B in stockholders equity for a debt-to-equity ratio of 0.5. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are positive at ~32.1% on average, but show some variability — pricing power may be sensitive to market conditions.
ROE is positive at ~10.8% on average, adequate but below the threshold typically associated with wide moats.
6 of the last 8 quarters generated positive FCF. The company generally funds itself but has occasional cash consumption quarters.
TTM revenue has grown consistently (6 of 7 quarters up), with ~14.7% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 21 quarters
Operating margins declined 13.3% — watch for continued compression, which may signal competitive or cost pressure.
FCF covers net income by 0.3x on average — earnings are well-supported by cash generation.
D/E ratio is 0.5 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.
Shares outstanding increased 20.1% — significant dilution, likely from stock compensation or capital raises.
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