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Fifth Third Bancorp

FITB
46
Banks - Regional · Financial Services
Also trades as: 0IM1.L GBP 0.50 (+0.32%)
Price
$50.64
-0.06 (-0.12%)
Market Cap
$45.90B
Exchange
NASDAQ
Winston Score
46
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 12, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Mixed
12/30
Growth
Mixed
9/20
Capital Strength
Strong
7/10
Asset Quality
Strong
7/10
Valuation
Good
6/10
Ownership
Weak
2/15
Dividends
Good
3/5

46 of 100 counted points = Winston Score 46.

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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.

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Growth Profile

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

Revenue Growth

+38.0% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-4.5% YoY

YoY Growth Rate

Earnings declining

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 Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$264.6B cash & investments at current burn rate

Revenue accelerating

Fifth Third Bancorp grew revenue 38% 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

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Growth

Sales growth
Sales YoY
+15.9%
Fast-growing sales (+15.9% YoY)
Profit growth
EPS YoY
-8.4%
Earnings shrinking (-8.4% YoY)

Slight earnings drop. Typical near a cyclical low.

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

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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

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Valuation

Price vs profit
P/E Ratio (TTM)
17.1x
Fair value — P/E 17.1

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
+2.7
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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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
55%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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