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Data-driven stock valuation

Fifth Third Bancorp (FITBI) fair value: what the stock is really worth

We calculate from audited financials what Fifth Third Bancorp is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Financial Services · US · Market cap $17.1B · ISIN US3167736053

At a glance

FT Fifth Third Bancorp logo Fifth Third Bancorp FITBI · US
Price from Aug 13, 2026$25.57
Fair Value$42.86
Upside+67.7%
Quality63/100

A solid business, trading 40% below our fair value of $42.86.

As of Sep 5, 2026, the fair value of Fifth Third Bancorp is $42.86 per share against a price of $25.57, so the fair value sits 68% above the price. A model estimate from reported figures, not an analyst target.

!Mixed Growth (revenue 5y +9.9 %/yr)
✓Highly profitable · 28.5% net margin
✓Moderate debt · generates free cash flow
·5.48% dividend yield
✓Ranks above peers (9/14)
✓Wide moat 68/100
Evidence: High Range $32.14 to $53.57

Fair value as of: Sep 5, 2026

From 6 valuation models · updated 5 days ago

Share price +0.9% over the past month.

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price is below even our cautious bear case ($32.14). The market is more pessimistic than our downside scenario.
  • Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

$25.89 $16.70 Fair Value $42.86 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.

How to read this chart

60‑month range $16.70 – $25.89 · fair‑value band $32.14 – $53.57 · the $25.57 price screens below the $42.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 5, 2026.

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Analysis

Fifth Third Bancorp (FITBI) currently trades at $25.57, while our model-based Fair Value estimate is $42.86, implying the stock looks roughly 40.4% undervalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $46.39 per share, and 4 of the 6 models we run sit above the $25.57 price. Bear case: the Asset-Based group reads lowest at $22.20, and 2 of the 6 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Fifth Third Bancorp generated revenue of $8.1B at a net margin of 28.5%. Revenue declined 1.0% year over year. It earns a return on equity of 12.5%. Net debt stands at $11.0B. Fundamentals as of Sep 5, 2026

Scenario range: $32.14 (bear) to $53.57 (bull), the price of $25.57 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 1% below its 52-week high and 9% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 68%, FITBI screens cheaper than that median.

Fair Value models

Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($1.44 per share) are deliberately not added.

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

Model Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income best evidence $30.45 $35.31 $63.00 73
Gordon GGM $16.29 $33.87 $53.72 66
DDM Multi-Stage $16.29 $25.28 $34.88 66
All 6 models by family
Dividend Discount
Gordon GGM $16.29 $33.87 $53.72 66
DDM Multi-Stage $16.29 $25.28 $34.88 66
Multiples
P/E Multiple $37.52 $50.03 $62.53 63
P/B Multiple $34.79 $46.39 $57.99 55
Asset-Based
NCAV (Graham) $16.57 $22.20 $33.14 54
Economic Profit
Residual Income best evidence $30.45 $35.31 $63.00 73

Widest divergence: Multiples ($46.39) versus Asset-Based ($22.20). Highest evidence: Residual Income (73).

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Key figures & financial health

P/E ratio 7.4 as of Jul 13, 2026
P/S ratio 1.45 P/E × margin
EPS (TTM) $3.48 price ÷ EPS = P/E 7.4
Dividend yield 5.5% payout 40.2%
Net margin 19.6% FY2025
Return on equity 12.5% TTM
More key figures
Profitability
Return on assets (EBIT) 1.5% avg 5y
Operating margin 38.5% TTM
Growth
Revenue (TTM) $8.1B TTM
Revenue growth (YoY) −1.0% 3y avg +12.3%
EPS growth (YoY) −1.2%
Balance sheet & cash flow
Free cash flow $3.8B FY2025
Net debt $11.0B FY2025 · ≈ 2.9 yrs of FCF

Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 56 · Market factors (momentum, volatility) 56

Profitability 32
Margins and returns on capital today
Quality Growth 56
Are margins and returns improving?
Cashflow 92
Earnings quality: real cash, not paper profit
Fin. Strength 5
Balance sheet, leverage, solvency risk
Investment 79
Disciplined investing over empire-building
Low Volatility 71
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 61
Distance to the 52-week high (market factor)
Net Issuance 98
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

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.

Full company description

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. The 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 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. The company was founded in 1858 and is headquartered in Cincinnati, Ohio.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Growth Quality 85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$12.9B
Latest YoY
−1.4%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+12.3%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+9.9%
Avg. revenue growth/yr (36Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+8.1%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years, adjusted) plus dividend yield: value created per share and year.
+6.3%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+0.8%
Dividend yield5.5%
Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y 1.6% vs 10Y 6.4%, flattening
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22.4% (2020) → 24.9% (2025) · rising
Worst earnings drop280% (2008) (loss year, drop beyond 100%) · in USD
Revenue +12.8%/yr
FY21 $7.9B
FY22 $9.1B
FY23 $12.4B
FY24 $13.0B
FY25 $12.9B
Net income −2.3%/yr
FY21 $2.8B
FY22 $2.4B
FY23 $2.3B
FY24 $2.3B
FY25 $2.5B
Character of growth · EPS growth decomposed (2014-2025) +6.7 % p.a.
Revenue per share +10.3 %

of which total revenue +8.3 % · buybacks/dilution +1.9 %

EBIT margin −4.3 %
Tax rate +1.1 %
Residual (interest, one-offs) +0.0 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

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Fifth Third Bancorp · Fair Value
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Cite: Fair Value Calculator (2026). "Fifth Third Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/FITBI

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Banks - Regional · 1073 stocks

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.

Valuation
Quality Score 62 · Top 25%
Fair Value upside +68% · Top 25%
Profitability
Return on equity (TTM) 12% · Above median
Return on assets 1% · Above median
Net margin (TTM) 28% · Below median
Operating margin (TTM) 38% · Below median
Growth and dividend
Revenue growth −1% · Bottom 25%
Dividend yield (TTM) 5.5% · Top 25%
Balance sheet
Debt / equity 0.63× · Above median

Valuation Multiples vs Banks - Regional median · lower = cheaper

P/E (TTM) 7.4× · Cheapest 25%
P/B 0.82× · Cheaper than median
P/S (TTM) 2.18× · Cheapest 25%
P/FCF 4.7× · Cheaper than median
EV/EBITDA 7.7× · Cheaper than median

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must Fifth Third Bancorp deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 years-26.2 % per year
Achieved revenue growth, 5 years+9.9 % p.a.
Sector median revenue growth+8.1 %
FCF yield on price22.24 %
Discount rate (WACC) in the models9.6 %

The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 33
FUTURE0 · sector 44
PAST50 · sector 41
HEALTH69 · sector 85
DIVIDEND100 · sector 52

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).

Stock Price Fair Value vs Fair Value
DBS Group D05 75.65 SGD 40.48 SGD −46%
China Merchants Bank Co 3968 HK$47.96 HK$76.51 +60%
Intesa Sanpaolo S.p.A ISP €6.74 €5.66 −16%
HDFC Bank Limited HDB $23.18 $24.12 +4%
BNP Paribas SA BNP €104.54 €144.64 +38%
UniCredit S.p.A UCG €84.43 €77.62 −8%
Mizuho Financial Group MFG $11.23 $9.72 −13%
ICICI Bank Limited ICICIBANK ₹1,423 ₹835.21 −41%
Oversea-Chinese Banking Corporation O39 31.07 SGD 19.80 SGD −36%
CaixaBank, S.A CABK €13.52 €8.85 −35%

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Frequently asked questions

Is Fifth Third Bancorp (FITBI) overvalued or undervalued?
As of Sep 5, 2026, our model estimates a fair value of $42.86 versus the last price from Aug 13, 2026 of $25.57, about +68% upside (undervalued).
What is the fair value of FITBI?
Our model-based fair value for Fifth Third Bancorp is $42.86 (as of Sep 5, 2026), built from audited fundamentals. Last price (from Aug 13, 2026): $25.57.
What is the quality score of FITBI?
Fifth Third Bancorp has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fifth Third Bancorp (FITBI)?
Our model-based price target is the fair value of $42.86 (as of Sep 5, 2026) from 6 valuation models. Cautious scenario $32.14, optimistic scenario $53.57. It is a calculation from audited fundamentals, not an analyst target.
What is the Fifth Third Bancorp stock forecast for 2026?
Our models put fair value at $42.86, about +68% upside versus the last price from Aug 13, 2026 of $25.57 (undervalued). Cautious scenario $32.14, optimistic scenario $53.57. The calculation is refreshed regularly with new filings.
What is the revenue of Fifth Third Bancorp (FITBI)?
Fifth Third Bancorp reported trailing-twelve-month revenue of about $8.1B (latest available figure, as of Sep 5, 2026).
What is the net profit margin of FITBI?
The net profit margin of Fifth Third Bancorp is about 28.5%, meaning it keeps roughly 28.5% of revenue as net income. Based on the latest reported figures.
Does Fifth Third Bancorp pay a dividend?
Fifth Third Bancorp currently shows a dividend yield of about 5.48% relative to its recent price (as of Sep 5, 2026).
What growth is priced into Fifth Third Bancorp (FITBI)?
For today's price to be fair in a discounted-cash-flow model, Fifth Third Bancorp would have to grow free cash flow by -26.2 % per year for ten years (discount rate 9.6 %, then 2 % perpetual growth). Over the last 5 years revenue grew +9.9 % per year. As of Sep 5, 2026.
What discount rate (WACC) does the fair value of FITBI use?
Our models discount Fifth Third Bancorp at 9.6 %: a base by market capitalisation (large), damped by beta 1.26. The same rate applies in all 26 models.
What is the intrinsic value of Fifth Third Bancorp (FITBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fifth Third Bancorp it is $42.86 per share (as of Sep 5, 2026), against a price of $25.57. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Fifth Third Bancorp stock overvalued or undervalued in 2026?
As of Sep 5, 2026, FITBI trades below its calculated fair value: price $25.57, fair value $42.86, a gap of about +68% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FITBI?
No. The price is what the market pays today ($25.57); the fair value is what the company's own numbers justify ($42.86). For Fifth Third Bancorp the two are $17.30 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fifth Third Bancorp worth?
The market values Fifth Third Bancorp at about $17.1B (market capitalisation, as of Sep 5, 2026). Per share that is $25.57; our models calculate a fair value of $42.86 per share.
What do the bullish and bearish scenarios say about FITBI?
Our models span a range for Fifth Third Bancorp: cautious scenario $32.14, base $42.86, optimistic $53.57 per share (as of Sep 5, 2026, price $25.57). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FITBI?
Fifth Third Bancorp trades at a price-to-earnings ratio of 7.4 (as of Sep 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $42.86 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.2, EV/EBITDA 7.7.
How solid is the balance sheet of Fifth Third Bancorp (FITBI)?
Balance-sheet figures for Fifth Third Bancorp (as of Sep 5, 2026): return on equity 12.5%, debt of 0.63 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is FITBI from its 52-week high?
Fifth Third Bancorp trades at $25.57, about 1% below its 52-week high of $25.72 and 9% above the low of $23.55 (as of Sep 5, 2026). Distance from the high says nothing about value: that is what the fair value of $42.86 is for.
Which stocks are comparable to Fifth Third Bancorp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fifth Third Bancorp stock attractive at the current price?
The data as of Sep 5, 2026: price $25.57, calculated fair value $42.86 (+68%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FITBI calculated?
We run Fifth Third Bancorp through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $42.86, with the spread shown as a cautious and an optimistic scenario.
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