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Upturn AI SWOT - About
FITB 
Fifth Third Bancorp (FITB)
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Upturn Advisory Summary
07/03/2025: FITB (3-star) is a STRONG-BUY. BUY since 35 days. Profits (11.23%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $44.8
1 Year Target Price $44.8
| 9 | Strong Buy |
| 5 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 45.35% | Avg. Invested days 61 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 28.97B USD | Price to earnings Ratio 13.78 | 1Y Target Price 44.8 |
Price to earnings Ratio 13.78 | 1Y Target Price 44.8 | ||
Volume (30-day avg) 24 | Beta 0.92 | 52 Weeks Range 31.96 - 47.75 | Updated Date 07/4/2025 |
52 Weeks Range 31.96 - 47.75 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 3.60% | Basic EPS (TTM) 3.15 |
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) 33.37% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 11.72% |
Valuation
Trailing PE 13.78 | Forward PE 12.39 | Enterprise Value 45919952896 | Price to Sales(TTM) 3.66 |
Enterprise Value 45919952896 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 6.13 | Enterprise Value to EBITDA - | Shares Outstanding 667491968 | Shares Floating 664234819 |
Shares Outstanding 667491968 | Shares Floating 664234819 | ||
Percent Insiders 0.41 | Percent Institutions 86.3 |
Upturn AI SWOT
Fifth Third Bancorp
Company Overview
History and Background
Fifth Third Bancorp was founded in 1858 through the merger of the Bank of the Ohio Valley and the Third National Bank of Cincinnati. Throughout its history, it has grown through acquisitions and organic expansion to become a major regional bank.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including lending, treasury management, and capital markets solutions.
- Retail Banking: Offers banking products and services to individuals, including checking and savings accounts, mortgages, and credit cards.
- Wealth & Asset Management: Provides investment management, financial planning, and trust services to individuals, families, and institutions.
- Consumer Lending: Offers auto loans, personal loans, and other consumer credit products.
Leadership and Structure
Tim Spence serves as the CEO of Fifth Third Bancorp. The company operates under a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various commercial loan products, including term loans, lines of credit, and commercial real estate financing. Competitors include JP Morgan Chase, Bank of America and PNC. Market share is difficult to determine as commercial loans are not readily reported.
- Mortgages: Offers residential mortgage loans for home purchases and refinancing. Competitors include Wells Fargo, Rocket Mortgage and US Bank. Market share is difficult to determine as mortgage originations are not readily reported.
- Credit Cards: Provides credit card products to consumers. Competitors include Capital One, Chase and American Express. Market share is difficult to determine as credit card outstandings are not readily reported.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Fifth Third Bancorp is a large regional bank with a strong presence in the Midwest and Southeast. Its competitive advantages include its strong brand recognition, extensive branch network, and diverse product offerings.
Total Addressable Market (TAM)
The TAM for the U.S. banking industry is estimated to be in the trillions of dollars. Fifth Third Bancorp is positioned to capture a portion of this TAM through its various business lines. Banks are impacted by the health of the economy, interest rates and consumer confidence.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diverse product offerings
- Experienced management team
- Healthy capital ratios
Weaknesses
- Limited international presence
- Dependence on net interest income
- Higher expense ratio vs peers
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- PNC
- USB
- KEY
Competitive Landscape
Fifth Third Bancorp competes with other regional and national banks. Its strengths include its strong brand recognition and diverse product offerings. Weaknesses include its limited international presence.
Major Acquisitions
Provide
- Year: 2021
- Acquisition Price (USD millions): 505
- Strategic Rationale: Accelerates entry into healthcare market, strengthens digital platform.
Growth Trajectory and Initiatives
Historical Growth: Fifth Third Bancorp has grown steadily over the past decade through acquisitions and organic expansion.
Future Projections: Analysts expect Fifth Third Bancorp to continue to grow at a moderate pace in the coming years.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets in the Southeast.
Summary
Fifth Third Bancorp is a solid regional bank with a diversified business model and a strong presence in the Midwest and Southeast. The company is facing headwinds from rising interest rates and increased competition but is well-positioned to continue to grow in the coming years. Recent acquisitions have been strategic. Weaknesses are the smaller market capitalization than the main competitors and the dependency on net interest income.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor presentations, Analyst reports, Federal Reserve data
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share is estimated 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 18786 | Website https://www.53.com |
Full time employees 18786 | 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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