Fifth Third Bancorp (FITB) Stock

Fifth Third Bancorp (FITB) is a Financials stock trading at $56.53 (as of 2026-07-09), with a market capitalization of $51.24B and a trailing P/E of 23.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's 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 Branch Banking segment provides a range of deposit and loan products to individuals and small businesses. This segment offers checking and savings accounts, home equity loans and lines of credit, credit cards, and loans for automobiles and personal financing needs, as well as cash management services for small businesses. The company's Consumer Lending segment engages in direct lending activities that include origination, retention, and servicing of residential mortgage and home equity loans or lines of credit; and indirect lending activities, including loans to consumers through correspondent lenders and automobile dealers. Fifth Third Bancorp's Wealth & Asset Management segment provides various investment alternatives for individuals, companies, and not-for-profit organizations. It 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. As of December 31, 2021, the company operated 1,117 full-service banking centers and 2,322 ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, and South Carolina. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.

Understand Fifth Third Bancorp: how it makes money

Fifth Third Bancorp is a U.S. diversified financial services bank, it makes money by matching customer borrowing with deposits (commercial banking credit intermediation) and earning fees across cash management, foreign exchange and international trade finance, derivatives and capital markets services, and other lending and payments activities.

Its profit model is structurally driven by credit intermediation in commercial banking, with added contribution from fee revenue tied to cash management, commercial payments, wealth and asset management, and mortgage banking.

Revenue by segment (latest quarter)
Adj rev$2.3B
Wealth$0.2B
Payments$0.1B
Mortgage$0.1B

Business quality (Mixed): Good visibility into the revenue components provided (adjusted revenue, wealth, payments, and mortgage), but the exact mapping to the company’s official reportable segments is not fully shown in the provided facts.

Valuation: At 18× earnings, FITB trades 40% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Broad commercial banking offering: The company provides lending and depository products, plus cash management, foreign exchange and international trade finance, derivatives and capital markets services, and asset-based lending, which can diversify income sources.
  • Fee revenue presence beyond pure lending: Provided revenue components include wealth and asset management revenue and commercial payments revenue, which can support revenue alongside credit intermediation.

Bear case

  • Business mix volatility: Mortgage banking is called out as a separate revenue component, which can introduce variability versus the larger adjusted revenue base.
  • Sensitivity to credit and lending conditions: Because the business model relies on credit intermediation (lending activity for business and professional customers), weaker credit conditions can pressure results.
Valuation — source: SEC EDGAR (first-party)
Price$56.53
Market Cap$51.24B
P/E Ratio23.6
EV / EBITDA24.3
Price / Book1.50
Price / Sales4.91
FCF Yield3.0%
DCF Value (model)$43.74
DCF Upside vs Price-22.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$9.90B
Net Margin25.5%
Revenue Growth (YoY)22.2%
EPS Growth (YoY)-77.5%
FCF Growth (YoY)-212.2%
Valuation vs Sector & Industry
Stock P/E23.6
Sector P/E (Financials)14.9
Industry P/E (Banking)13.1
vs Sector58.1%
vs Industry80.6%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($3.93B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorFinancials
IndustryBanking
CEOTimothy N. Spence
Employees18,786
CountryUS
IPO Date1980-03-17

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FITB earnings history · FITB institutional & insider holders · FITB KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-09.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.