Fifth Third Bancorp (FITB) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Fifth Third Bancorp stock $21.39, price $53.45, that is 60.0% below the price, quality 45 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Fifth Third Bancorp
FITB · USOur calculation puts a fair price 60% below what the stock costs today.
Risks from the AI analysis
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $20.50 – $59.37 · fair‑value band $18.67 – $31.25 · the $53.45 price screens above the $21.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.
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Company profile
Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that provides a range of financial products and services in the United States.
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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 engages in the provision of a range of deposit and loan products to individuals and small businesses; residential mortgage activities, including the origination, retention and servicing of residential mortgage loans, sales and securitizations of loans, and associated hedging activities; home equity loans and lines of credit, credit cards, automobile and other indirect lending, and other consumer lending services; and home improvement and solar energy installation loans through contractors and installers.
The Wealth and Asset Management segment provides various wealth management services, such as wealth planning, investment management, banking, insurance, trust, and estate services for for individuals, companies, and not-for-profit organizations; retail brokerage services for individual clients; and advisory services for institutional clients.
Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.
Stock analysis
Fifth Third Bancorp (FITB) currently trades at $53.45, while our model-based Fair Value estimate is $21.39, 60% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $25.79 per share, and 0 of the 6 models we run sit above the $53.45 price.
Bear case: the Asset-Based group reads lowest at $12.34, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $18.67 (bear) to $31.25 (bull), the price of $53.45 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Fifth Third Bancorp reported revenue of $12.9B in FY2025 versus $7.9B in FY2021, a compound +12.8%/yr. Reported net income was $2.5B in FY2025, compounding −2.3%/yr from FY2021.
Key figures
Market cap $49.0B Large · P/E ratio 17.9 · P/S ratio 4.40 · EPS (TTM) $2.98 · Dividend yield 3.0% · Net margin 23.0% · Return on equity 9.4% · Return on assets (EBIT) 1.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (medium confidence).
What moves the price
The share trades about 10% below its 52-week high and 33% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −34% fair-value upside, at −60%, FITB screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $1.5M and none bought.
- SaleMegan D BurkhartEVP & Chief HR Officer398 shares at $53.44$21,248Oct 29, 2026
- SaleTimothy SpenceChair, CEO & President, Director2× since Feb 18, 2026: 11,677 shares, avg. $54.37$634,893Oct 29, 2026
- SaleJude SchrammEVP & CIO3× since Dec 11, 2025: 37,146 shares, avg. $51.94$1.9MOct 26, 2026
- SalePeter L SefzikEVP20,000 shares at $50.46$1.0MApr 28, 2026
- SaleKevin J KhannaEVP6,000 shares at $50.77$304,640Apr 20, 2026
- SaleMitchell Stuart FeigerDirector2× since Feb 11, 2026: 97,439 shares, avg. $54.71$5.3MFeb 12, 2026
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
FITB screens overvalued: fair value 60% below the price. Compare with China Merchants Bank Co →
Recent news
- Fifth Third Private Bank Wins Datos Insights 2026 Award for Portfolio Management Innovation
- Fifth Third Bancorp (FITB) Posted Strong Q3 2026 Earnings After Its Largest Conversion
- Fifth Third Bancorp to Participate in the BancAnalysts Association of Boston Conference
Compare Fifth Third Bancorp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FITB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FITB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FITB |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.49 | −28% | vs FITB |
| Oversea-Chinese Banking Corporation O39 | 27.73 SGD | 18.20 SGD | −34% | vs FITB |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs FITB |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs FITB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FITB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FITB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FITB |
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Frequently asked questions
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Key figures of Fifth Third Bancorp
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