FIFTH THIRD BANCORP (FITB) Stock Analysis
FIFTH THIRD BANCORP (FITB) Stock Analysis
Analysis from 10-Q filed 2025-11-04. Data as of Q4 2025.
Overall Grade: F (Concerning)
FIFTH THIRD BANCORP faces challenges in financial performance that warrant careful analysis.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 43.6% | Strong cash generation |
| Debt/Equity | 0.0x | Conservative leverage |
Investment Thesis: Healthy free cash flow margin of 43.6% provides financial flexibility for growth and shareholder returns.
Explore FIFTH THIRD BANCORP: Earnings History | Filing Intelligence | ROIC Analysis
Profitability: FIFTH THIRD BANCORP earns N/A ROIC
FIFTH THIRD BANCORP's trailing-twelve-month ROIC of N/A (sector median: 7.3%). Source: 10-Q filed 2025-11-04.
| Metric | FITB | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 7.3% |
| Return on Equity (ROE) | 11.4% | Adequate | Moderate equity returns |
Cash Flow: FIFTH THIRD BANCORP generates $3.9B FCF at 43.6% margin, positive NaN/8 quarters
FIFTH THIRD BANCORP generated $3.9B in free cash flow (TTM), a 43.6% FCF margin, a margin that ranks Top 25% in Financials. Operating cash flow exceeds net income by 1.9x, indicating high earnings quality. FCF was positive in N/A of the last 8 quarters. Source: 10-Q filed 2025-11-04.
| Metric | FITB | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 43.6% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $3.9B | Good | Positive cash generation |
| OCF/Net Income | 1.9x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: FIFTH THIRD BANCORP at 0.0x leverage
FIFTH THIRD BANCORP's debt-to-equity ratio of 0.0x reflects conservative leverage. Net cash position of $2.6B provides financial flexibility. Source: 10-Q filed 2025-11-04.
| Metric | FITB | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.0x | Excellent | Conservative capital structure |
| Net Cash Position | $2.6B | Excellent | Net cash positive |
Valuation: FIFTH THIRD BANCORP trades at 13.5x earnings
FIFTH THIRD BANCORP trades at a P/E of 13.5x. Free cash flow yield of 12.3% offers attractive cash returns relative to price.
| Metric | FITB | Rating | Context |
|---|---|---|---|
| P/E Ratio | 13.5x | Adequate | Reasonable valuation |
| EV/Sales | 3.3x | Good | Growth premium priced in |
| FCF Yield | 12.3% | Excellent | Attractive cash return |
| Dividend Yield | 3.2% | Adequate | Meaningful income |
Capital Allocation: FIFTH THIRD BANCORP returns 4.9% shareholder yield
FIFTH THIRD BANCORP's total shareholder yield is 4.9% (dividends 3.2% + buybacks 1.6%). Source: 10-Q filed 2025-11-04.
| Metric | FITB | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 4.9% | Good | Dividend + buyback yield combined |
| Buyback Yield | 1.6% | Adequate | Minimal buyback activity |
| Total Capital Returned (TTM) | $1.7B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 43.6% | Top 25% | 2.0x above |
| Return on Equity (ROE) | 11.4% | Top 50% | 1.1x above |
| P/E Ratio | 13.5x | N/A | - |
Financial Scorecard
| Metric | FITB | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 43.6% | Excellent | Top 25% of sector (median: 21.7%) |
| Debt to Equity Ratio | 4.3% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 13.5x | Adequate | Attractively valued |
| Free Cash Flow Yield | 12.3% | Excellent | High cash return |
Frequently Asked Questions
Q: What is FIFTH THIRD BANCORP's Return on Invested Capital (ROIC)?
FIFTH THIRD BANCORP (FITB) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. This compares below the sector median of 7.3%. An ROIC below 8% suggests the company may be destroying shareholder value.
Q: What is FIFTH THIRD BANCORP's Free Cash Flow Margin?
FIFTH THIRD BANCORP (FITB) has a free cash flow margin of 43.6%, generating $3.9 billion in free cash flow over the trailing twelve months. A FCF margin above 20% indicates excellent cash conversion and a high-quality business model.
Q: Is FIFTH THIRD BANCORP stock overvalued or undervalued?
FIFTH THIRD BANCORP (FITB) trades at a P/E ratio of 13.5x, which is above the sector median of N/A. The EV/Sales multiple is 3.3x. Free cash flow yield is 12.3%, which represents an attractive cash return to investors.
Q: Does FIFTH THIRD BANCORP pay a dividend?
FIFTH THIRD BANCORP (FITB) currently pays a dividend yield of 3.2%. Including share buybacks, the total shareholder yield is 4.9%. This yield is moderate, suggesting a balance between income and growth reinvestment.
Q: What is FIFTH THIRD BANCORP's revenue and earnings growth?
FIFTH THIRD BANCORP (FITB) grew revenue by 241.8% year-over-year. Earnings per share increased by 12.4% compared to the prior year. Double-digit revenue growth indicates strong demand and market share gains.
Q: Is FIFTH THIRD BANCORP buying back stock?
FIFTH THIRD BANCORP (FITB) repurchased $525.0 million of stock over the trailing twelve months. This represents a buyback yield of 1.6%.
Q: How does FIFTH THIRD BANCORP compare to competitors in Financials?
Compared to other companies in Financials, FIFTH THIRD BANCORP (FITB) shows: ROIC of N/A is below the sector median of 7.3% (NaNx median). FCF margin of 43.6% exceeds the sector median of 21.7% (Top 16% of sector). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with FIFTH THIRD BANCORP?
FIFTH THIRD BANCORP (FITB) shows no major financial warning signs based on current metrics. However, investors should always monitor: 1) Margin compression trends, 2) Cash flow consistency, 3) Debt levels relative to cash generation, and 4) Changes in competitive positioning.
Data Source: Data sourced from 10-Q filed 2025-11-04. TTM metrics as of Q4 2025.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.