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FITB 
Fifth Third Bancorp (FITB)
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Upturn Advisory Summary
11/11/2025: FITB (3-star) is currently NOT-A-BUY. Pass it for now.
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 $50.25
1 Year Target Price $50.25
| 9 | Strong Buy |
| 5 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 42.58% | Avg. Invested days 75 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/11/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 28.42B USD | Price to earnings Ratio 12.83 | 1Y Target Price 50.25 |
Price to earnings Ratio 12.83 | 1Y Target Price 50.25 | ||
Volume (30-day avg) 24 | Beta 1.01 | 52 Weeks Range 31.68 - 47.33 | Updated Date 11/11/2025 |
52 Weeks Range 31.68 - 47.33 | Updated Date 11/11/2025 | ||
Dividends yield (FY) 3.50% | Basic EPS (TTM) 3.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 0.91 | Actual 0.91 |
Profitability
Profit Margin 29.67% | Operating Margin (TTM) 39.78% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 11.51% |
Valuation
Trailing PE 12.83 | Forward PE 10.65 | Enterprise Value 45267439616 | Price to Sales(TTM) 3.5 |
Enterprise Value 45267439616 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 5.65 | Enterprise Value to EBITDA - | Shares Outstanding 661011769 | Shares Floating 656834175 |
Shares Outstanding 661011769 | Shares Floating 656834175 | ||
Percent Insiders 0.44 | Percent Institutions 87.91 |
Upturn AI SWOT
Fifth Third Bancorp
Company Overview
History and Background
Fifth Third Bancorp was founded in 1858 in Cincinnati, Ohio. It evolved through mergers and acquisitions, growing from local banks to a regional financial institution with a significant presence in the Midwest and Southeast.
Core Business Areas
- Commercial Banking: Offers a wide array of financial products and services to businesses, including lending, treasury management, and capital markets solutions.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, credit cards, and investment products.
- Wealth and Asset Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The CEO is Tim Spence. The organizational structure includes business line leaders, support function heads, and a board of directors overseeing the company's strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses of all sizes. Market share data is difficult to pinpoint precisely, but Fifth Third ranks among the top regional commercial lenders. Competitors include JPMorgan Chase, Bank of America, and regional banks like PNC Financial Services.
- Mortgages: Offers a variety of mortgage products. Market share varies by region. Competitors include Rocket Mortgage, Wells Fargo, and other national and regional lenders.
- Treasury Management Services: Helps businesses manage their cash flow and payments. Fifth Third has a strong treasury management platform. Competitors include large national banks and specialized fintech companies.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption (fintech), and evolving customer expectations. Competition is intense, and profitability is affected by these factors.
Positioning
Fifth Third Bancorp is positioned as a leading regional bank with a strong presence in the Midwest and Southeast. It aims to balance growth with prudent risk management. Competitive advantages include established customer relationships and a diversified business model.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated at several trillion dollars annually. Fifth Third Bancorp is positioned to capture a small portion of this TAM through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Experienced management team
- Solid credit quality
- Robust treasury management services
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on interest rate spreads
- Potential for increased regulatory costs
- Exposure to regional economic fluctuations
- High cost of some physical locations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Growth in wealth management services
- Acquisitions of smaller banks or fintech companies
- Growing commercial banking segment
Threats
- Increased competition from fintech companies
- Economic downturn or recession
- Changes in interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
Competitive Landscape
Fifth Third Bancorp competes with national banks and regional banks. Its advantage lies in strong regional relationships and a diversified business model. Disadvantages include limited geographic reach compared to national banks.
Major Acquisitions
Provide Acquisitions in the future
- Year: 2023
- Acquisition Price (USD millions): 100
- Strategic Rationale: Explain the strategic reasons behind the acquisition.
Growth Trajectory and Initiatives
Historical Growth: Fifth Third Bancorp's growth has been driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth for Fifth Third Bancorp, driven by its regional strength and strategic initiatives. Consult financial websites for the most up to date estimates.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and a focus on improving customer experience.
Summary
Fifth Third Bancorp is a financially stable regional bank with a diverse business model, strong regional presence, and a solid credit quality. The company faces challenges from fintech companies and economic uncertainty. Opportunities include digital adoption and growth in wealth management services. Fifth Third must be mindful of cybersecurity and regulatory changes to maintain its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Third-party financial data providers
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market data is dynamic and subject to change. Consult a financial professional before making investment decisions.
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 18476 | Website https://www.53.com |
Full time employees 18476 | 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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