WinstonWınston
Back
Stock

Fifth Third Bancorp

FITB
48
Banks - Regional · Financial Services
Also trades as: 0IM1.L GBP 0.53 (+0.56%)
Price
$52.98
-0.25 (-0.47%)
Market Cap
$48.05B
Exchange
NASDAQ
Winston Score
48
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 25, 2026 · filings through Sep 30, 2026

§How the score breaks down

Bank Quality
Mixed
12/30
Growth
Good
10/20
Capital Strength
Strong
7/10
Asset Quality
Strong
7/10
Valuation
Strong
7/10
Ownership
Weak
2/15
Dividends
Good
3/5

48 of 100 counted points = Winston Score 48.

Track this stock — start free trial

Share count falling — buybacks

−5.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 711.2M (2021) → 669.2M (2025)

§Winston Score History

The full picture

Fifth Third Bancorp is a large regional bank headquartered in Cincinnati, Ohio. It offers everyday banking services like checking and savings accounts, mortgages, car loans, credit cards, and business loans. Its main customers are regular people, small businesses, and mid-sized companies, mostly across the Midwest and Southeast United States.

The bank makes money primarily by collecting interest on loans and charging fees for services like wealth management, payment processing, and investment banking. Fifth Third operates roughly 1,100 branches across 11 states, making it one of the larger regional banks in the country. Its competitive advantage comes from its established branch network and long-standing customer relationships in its core markets, though it faces steady pressure from both big national banks like JPMorgan Chase and fast-growing online-only banks. The key risk is interest rate sensitivity — when rates fall, the gap between what the bank earns on loans and what it pays on deposits tends to shrink, squeezing profits.

Politician Trades

10 trades / 12mo

5 Congressional buys and 4 sells on FITB in the last 12 months.

Unlock the full Smart Money Map — every trade plotted on the price chart with politicians, amounts and returns since each trade. Founder's Deal is $57/mo locked for life.

Unlock politician trades

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+36.5% YoY

YoY Growth Rate

Revenue accelerating

Reported EPS Growth

+0.0% YoY

Quarterly reporting periods ended:

30 Sept 2025: $0.91

30 Sept 2026: $0.91

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS unchanged year over year

R&D Spend

$128M/ year

1.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$264.9B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Fifth Third Bancorp grew revenue 37% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
5.1%
no trend
Weak — 5.1% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.72%
no trend
Wide spread — 3.72% net interest margin
Cost of running the bank
Efficiency Ratio
74.1%
no trend
Bloated cost base — 74.1% efficiency ratio

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth
Sales YoY
+25.4%
Fast-growing sales (+25.4% YoY)
Profit growth
EPS YoY
-11.9%
Earnings shrinking (-11.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Safety cushion
Capital Ratio
11.7%
no trend
Well capitalised — 11.7% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.78%
no trend
Clean loan book — 0.78% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.38%
no trend
Moderate — 0.38% net charge-offs

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit
P/E Ratio (TTM)
17.9x
Fair value — P/E 17.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+3.4
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (17.9 → 14.4)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend
Dividend Yield
3.30%
Moderate income — 3.30% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+7.3%
Dividend growing modestly (7.3% YoY)
Payout Ratio
50%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free
🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.
Start free trial