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Upturn AI SWOT - About
FITB 
Fifth Third Bancorp (FITB)
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Upturn Advisory Summary
09/16/2025: FITB (4-star) is a STRONG-BUY. BUY since 86 days. Simulated Profits (15.33%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $48.45
1 Year Target Price $48.45
| 9 | Strong Buy |
| 5 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 50.71% | Avg. Invested days 71 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.78B USD | Price to earnings Ratio 14.02 | 1Y Target Price 48.45 |
Price to earnings Ratio 14.02 | 1Y Target Price 48.45 | ||
Volume (30-day avg) 24 | Beta 0.95 | 52 Weeks Range 31.96 - 47.75 | Updated Date 09/16/2025 |
52 Weeks Range 31.96 - 47.75 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 3.21 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.2% | Operating Margin (TTM) 39% |
Management Effectiveness
Return on Assets (TTM) 1.1% | Return on Equity (TTM) 11.57% |
Valuation
Trailing PE 14.02 | Forward PE 11.38 | Enterprise Value 45936926720 | Price to Sales(TTM) 3.73 |
Enterprise Value 45936926720 | Price to Sales(TTM) 3.73 | ||
Enterprise Value to Revenue 5.88 | Enterprise Value to EBITDA - | Shares Outstanding 661886976 | Shares Floating 657717349 |
Shares Outstanding 661886976 | Shares Floating 657717349 | ||
Percent Insiders 0.43 | Percent Institutions 88.52 |
Upturn AI SWOT
Fifth Third Bancorp
Company Overview
History and Background
Fifth Third Bancorp was founded in 1858 in Cincinnati, Ohio, through the merger of the Bank of Ohio Valley and the Third National Bank. It has grown through strategic acquisitions and expansions, becoming a major regional bank in the Midwest and Southeast.
Core Business Areas
- Commercial Banking: Offers a range of financial services to businesses, including lending, treasury management, and capital markets solutions.
- Branch Banking: Provides retail banking services such as checking and savings accounts, mortgages, and personal loans through a network of branches.
- Consumer Lending: Focuses on providing loans to individual customers, including auto loans, credit cards, and home equity lines of credit.
- Wealth & Asset Management: Offers wealth management, investment advisory, and trust services to high-net-worth individuals and institutions.
Leadership and Structure
Tim Spence serves as the Chief Executive Officer. The company operates with a hierarchical organizational structure, featuring various executive committees and regional leadership teams reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses of various sizes. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and Wells Fargo (WFC). Market share varies regionally. Revenue is directly linked to the bank's total assets and lending activity. No exact Market share information available.
- Mortgages: Offers mortgage products for home purchase and refinancing. Competitors include Rocket Companies (RKT) and UWM Holdings (UWMC), as well as large national banks. Market share varies regionally. Revenue is driven by origination fees and interest income. No exact Market share information available.
- Credit Cards: Offers a range of credit card products. Competitors include American Express (AXP), Capital One (COF), and Discover Financial Services (DFS). Revenue driven through merchant fees and interest. No exact Market share information available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and competition from fintech companies. Economic uncertainty and potential recessionary pressures create both opportunities and challenges.
Positioning
Fifth Third Bancorp is a super-regional bank with a strong presence in the Midwest and Southeast. Its competitive advantages include a diversified business model and a strong focus on customer service.
Total Addressable Market (TAM)
The TAM for the US banking industry is estimated to be in the trillions of dollars. Fifth Third Bancorp, with its regional focus and diverse services, captures a portion of this TAM, with growth potential through expansion and innovation. It is estimated around 2-3%
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Solid capital position
- Good customer service reputation
Weaknesses
- Geographic concentration
- Reliance on interest rate spreads
- Lower brand recognition compared to national banks
- Potential for regulatory scrutiny
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Growth in wealth management business
- Acquisitions of smaller banks
Threats
- Economic downturn
- Rising interest rates
- Increased competition from fintech companies
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPMorgan Chase (JPM)
- Bank of America (BAC)
- Wells Fargo (WFC)
- PNC Financial Services (PNC)
Competitive Landscape
Fifth Third Bancorp faces competition from large national banks, regional banks, and fintech companies. Its advantages include a strong regional presence and a focus on customer service. Disadvantages include lower brand recognition compared to national banks.
Major Acquisitions
MB Financial
- Year: 2019
- Acquisition Price (USD millions): 4700
- Strategic Rationale: Expanded Fifth Third's presence in the Chicago market and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discuss Fifth Third Bancorp's growth trends over the past years. Example: Analyze revenue growth, asset growth, and market share gains. - this changes every year.
Future Projections: Provide projections for Fifth Third Bancorp's future growth based on analyst estimates from sources like Yahoo Finance and MarketWatch. The growth rate of the sector is expected to be 5%.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Fifth Third Bancorp, such as investments in technology, expansion into new markets, and acquisitions.
Summary
Fifth Third Bancorp demonstrates a solid financial position and a strong regional presence, making it a key player in the banking sector. Its diversified business model is working well, but it faces threats from rising interest rates and increased competition from fintech. Expanding into new markets and embracing digital transformation can support future growth. Fifth Third should closely monitor economic conditions and manage cybersecurity risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fifth Third Bancorp Investor Relations
- SEC Filings
- Yahoo Finance
- MarketWatch
- FDIC.gov
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is approximated from various sources and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fifth Third Bancorp
Exchange NASDAQ | Headquaters Cincinnati, OH, United States | ||
IPO Launch date 1990-03-26 | Chairman, CEO & President Mr. Timothy N. Spence | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 18690 | Website https://www.53.com |
Full time employees 18690 | Website https://www.53.com | ||
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. Its 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 also 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. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.
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