Fifth Third Bancorp
- Open
- 56.41
- Day high
- 56.74
- Day low
- 55.62
- Prev close
- 56.78
- Volume
- 5.0M
- Mkt cap
- $51.3B
- P/E (TTM)
- 18.9
- EPS (TTM)
- $2.99
- P/B
- 1.5
- P/S
- 3.8
- Yield
- 2.83%
- Per share
- $1.60
- ▼Insiders net selling -$5.8M over the last 3 months (0 open-market buys, 10 sales)
- 🏛Institutions accumulating (13F)
Fifth Third Bancorp (FITB) is a Financial Services company listed on NASDAQ. The stock is up 33% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 10 sales (SEC Form 4).
Fifth Third Bancorp (FITB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 9 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
FITB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 17, 2026 | $-0.10 | $0.16 | +254.6% | $2.9B | +0.5% |
| Jan 20, 2026 | $1.00 | $1.08 | +8.4% | $2.3B | +0.0% |
| Oct 17, 2025 | $0.86 | $0.93 | +8.1% | $2.3B | +0.5% |
| Jul 17, 2025 | $0.87 | $0.90 | +3.8% | $2.2B | +1.1% |
| Apr 17, 2025 | $0.70 | $0.73 | +4.3% | $2.1B | -3.5% |
| Jan 21, 2025 | $0.88 | $0.90 | +2.3% | $2.1B | -3.0% |
| Oct 18, 2024 | $0.83 | $0.78 | -6.0% | $2.1B | -4.7% |
| Jul 19, 2024 | $0.85 | $0.81 | -4.7% | $2.0B | -4.0% |
| Apr 19, 2024 | $0.71 | $0.70 | -1.4% | $2.0B | -2.0% |
| Jan 19, 2024 | $0.90 | $0.99 | +10.0% | $2.1B | -4.3% |
| Oct 19, 2023 | $0.82 | $0.91 | +11.0% | $2.1B | -2.8% |
| Jul 20, 2023 | $0.83 | $0.82 | -1.2% | $2.1B | -4.6% |
FITB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 11, 2026 | Feiger Mitchell Stuartdirector | Sell | 32,769 | $54.68 |
| May 11, 2026 | Feiger Mitchell Stuartdirector | Sell | 101 | $54.68 |
| May 11, 2026 | Feiger Mitchell Stuartdirector | Sell | 49,175 | $54.68 |
| Apr 29, 2026 | Sefzik Peter Lofficer: EVP | Sell | 200 | $50.47 |
| Apr 29, 2026 | Sefzik Peter Lofficer: EVP | Sell | 398 | $50.44 |
| Apr 29, 2026 | Sefzik Peter Lofficer: EVP | Sell | 18,767 | $50.46 |
| Apr 29, 2026 | Sefzik Peter Lofficer: EVP | Sell | 100 | $50.45 |
| Apr 29, 2026 | Sefzik Peter Lofficer: EVP | Sell | 435 | $50.45 |
| Apr 23, 2026 | Feiger Mitchell Stuartdirector | Grant | 2,838 | — |
| Apr 23, 2026 | Daniels C. Bryandirector | Grant | 2,838 | — |
| Apr 23, 2026 | Clement-Holmes Linda Wdirector | Grant | 2,838 | — |
| Apr 23, 2026 | Van de Ven Michael Gdirector | Grant | 2,838 | — |
| Apr 23, 2026 | Akins Nicholas Kdirector | Grant | 2,838 | — |
| Apr 23, 2026 | MALLESCH EILEEN Adirector | Grant | 2,838 | — |
| Apr 23, 2026 | Bayh Evandirector | Grant | 2,838 | — |
Source: FITB SEC Form 4 filings, latest May 11, 2026. For informational purposes only — not investment advice.
See the full FITB insider & 13F page →Fifth Third Bancorp company profile
Overview
Fifth Third Bancorp (NASDAQ:FITB) is a regional banking company founded in 1858 and headquartered in Cincinnati, Ohio. The bank has evolved from its Ohio roots into a diversified financial services institution serving customers across eleven states in the Midwest and Southeast United States. As of 2024, Fifth Third operates over 1,100 full-service banking centers and more than 2,300 ATMs, making it one of the largest regional banks in the country. The company has been publicly traded since 1980 and has established itself as a leading provider of commercial banking, consumer banking, and wealth management services.
Business
Fifth Third Bancorp operates as a diversified regional bank providing traditional banking services alongside specialized financial products. The company operates in the highly regulated banking industry, which involves taking deposits from customers and lending those funds to borrowers while earning a profit on the interest rate spread. The bank's operations are organized into four primary business segments. The Commercial Banking segment serves business customers, government entities, and professional clients by providing commercial loans, cash management services, foreign exchange, capital markets services, and syndicated financing. This segment generates approximately 45-50% of total revenue. The Branch Banking segment focuses on individual consumers and small businesses, offering checking and savings accounts, mortgages, home equity loans, credit cards, auto loans, and personal loans through its extensive branch network. This consumer-focused segment contributes roughly 35-40% of revenue. The Consumer Lending segment specializes in direct mortgage origination and servicing, as well as indirect lending through partnerships with auto dealers and correspondent lenders. The Wealth & Asset Management segment provides investment management, trust services, estate planning, and brokerage services to high-net-worth individuals, institutional clients, and non-profit organizations. This segment manages approximately $69 billion in assets under management and has shown strong growth, contributing around 10-15% of total revenue. Fifth Third also operates significant fee-based businesses, including commercial payments processing (handling over $4.3 trillion in annual payment volume) and treasury management services, which have become increasingly important revenue drivers for the bank.
Revenue model
Fifth Third generates revenue primarily through net interest income and fee-based services. Net interest income, which accounts for roughly 65-70% of total revenue, comes from the spread between what the bank pays depositors for their funds and what it charges borrowers for loans. The bank collects deposits from consumers and businesses at relatively low interest rates, then lends these funds at higher rates to generate profit. The remaining 30-35% of revenue comes from fee-based services including treasury management fees, commercial payment processing fees, wealth management fees, capital markets revenue, and various consumer banking fees. The bank's commercial payments business processes trillions of dollars in transactions annually, earning fees on each transaction. Wealth management generates fees based on assets under management, typically ranging from 0.5% to 1.5% annually. Several factors significantly impact Fifth Third's profitability margins. Interest rate environment is the most critical factor - rising rates generally benefit the bank by allowing higher lending rates while deposit costs lag, expanding net interest margins. However, if rates rise too quickly, deposit costs can increase faster than loan repricing, compressing margins. Credit quality directly affects profitability through loan loss provisions - economic downturns increase defaults and reduce margins. Deposit competition from other banks, money market funds, and digital platforms can force higher deposit rates, reducing net interest margins. Loan demand fluctuates with economic conditions and business confidence, affecting the bank's ability to deploy deposits profitably. Finally, regulatory compliance costs and capital requirements can impact operational efficiency and return on equity, particularly affecting smaller regional banks like Fifth Third more than larger institutions.
Competitive moat
Fifth Third's competitive moat is moderate and primarily geographic in nature, typical of regional banks. The bank's strongest defensive position comes from its extensive physical branch network across key Midwest and Southeast markets, which creates switching costs for customers who value in-person banking relationships and local market knowledge. This is particularly valuable for commercial banking clients who require complex treasury management, cash management, and lending services that benefit from local relationship managers who understand regional business conditions. The bank has built meaningful scale advantages in its commercial payments processing business, handling over $4.3 trillion in annual volume, which creates operational efficiencies and customer stickiness. Additionally, Fifth Third's wealth management platform managing $69 billion in assets provides recurring fee income and deeper customer relationships that are harder for competitors to replicate. However, Fifth Third faces significant competitive pressures that limit its moat strength. Large national banks like JPMorgan Chase and Bank of America can offer more competitive pricing, broader product suites, and superior technology platforms. Digital-first banks and fintech companies are increasingly capturing deposits with higher rates and better user experiences, particularly among younger customers. Credit unions often provide more attractive rates to consumers due to their tax-advantaged status. The bank's lending business faces competition from non-bank lenders, private credit funds, and capital markets for commercial clients. The banking industry's commodity-like nature means that Fifth Third's moat is primarily defensive rather than offensive - it can retain existing customers reasonably well but struggles to command premium pricing or rapidly gain market share. The bank's ongoing Southeast expansion represents an attempt to build new geographic moats, but this requires significant investment with uncertain returns in increasingly competitive markets.
Risks & safety
Fifth Third demonstrates a moderate margin of safety with solid fundamentals but typical regional bank vulnerabilities. **Capital and Liquidity Position:** - CET1 ratio of 10.5% provides adequate regulatory capital buffer above minimum requirements - Cash and short-term investments of $3.0 billion offer reasonable liquidity cushion - Total debt-to-equity ratio of 0.97 is manageable for a bank, though elevated - Strong deposit base provides stable funding source **Credit Risk and Asset Quality:** - Net charge-off ratio of 49 basis points indicates normalized credit losses - Diversified loan portfolio across geographies and industries reduces concentration risk - No significant exposure to distressed commercial real estate sectors **Valuation Metrics:** - P/E ratio of 11.5x appears reasonable for current earnings power - Price-to-book ratio of 1.45x suggests modest premium to tangible book value - Return on equity of 13.7% (adjusted) demonstrates solid profitability **Key Risks:** - Interest rate sensitivity could pressure margins if rates decline rapidly - Regional economic exposure to Midwest manufacturing and Southeast growth markets - Regulatory compliance costs and potential capital requirement increases
Recent development
Over the past few years, Fifth Third has executed a clear strategic pivot toward geographic expansion and fee-based business growth. The bank's most significant initiative has been its aggressive expansion into Southeast markets, particularly Florida, where it has opened over 100 new branches since 2022. This expansion includes adding 31 new branches in 2024 alone, with plans for 60 additional locations in 2025. The bank has also substantially increased its commercial relationship manager headcount by 25% in Southeast markets to capture middle market lending opportunities. The bank has simultaneously invested heavily in fee-generating businesses to reduce reliance on interest income. Its commercial payments platform has become a major growth driver, achieving 10-12% annual revenue growth while processing over $4.3 trillion in payment volume. The wealth management division has also shown strong momentum, with assets under management growing 21% to $69 billion in 2024, generating record quarterly revenues. Technology modernization has been another key focus, with significant investments in digital banking platforms, process automation, and data analytics capabilities. The bank has also made selective acquisitions in fintech and managed services to enhance its payments and lending capabilities, including platforms like Dividend Finance for solar lending. Fifth Third has maintained disciplined capital allocation throughout this expansion, returning $1.6 billion to shareholders in 2024 through dividends and share buybacks while maintaining strong capital ratios. The bank has positioned itself for potential interest rate cuts by building excess liquidity and optimizing its deposit mix, expecting to achieve record net interest income in 2025 despite the challenging rate environment.
FITB company profile · for informational purposes only — not investment advice.
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