Fifth Third Ban

FITBI

Banks - Regional · Financial Services

Price

$25.61

+0.01 (+0.04%)

Market Cap

$51.05B

Exchange

NASDAQ Global Select

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 9, 2026 · filings through Jun 30, 2026

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)

Fifth Third Bancorp is a large regional bank headquartered in Cincinnati, Ohio. It offers everyday banking services like checking and savings accounts, loans, mortgages, and credit cards to regular people and businesses. It also provides wealth management and investment services, making it a full-service bank for both consumers and companies across the Midwest and Southeast United States.

Fifth Third makes money by collecting interest on loans and charging fees for services like account management, investment advice, and payment processing. It operates roughly 1,100 branches across about 11 states, with a strong presence in Ohio, Michigan, Indiana, and Florida. The bank's established customer relationships and regional brand recognition give it a stable deposit base, which is a key competitive advantage. The main risk it faces is rising loan defaults if the economy slows down, since more borrowers struggling to repay loans would directly hurt its profits.

Winston Score History

Growth Profile

For growth stock investors

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

0.0%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$264.6B 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 Ban 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

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Bank Quality

Not applicable for this business.

Growth

Sales YoY

+15.9%

Fast-growing sales (+15.9% YoY)

EPS YoY

-8.4%

Earnings shrinking (-8.4% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

P/E Ratio (TTM)

8.7x

Attractive valuation — P/E 8.7

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.3

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

2.77%

Moderate income — 2.77% yield

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

Dividend Growth

-8.4%

Dividend cut (-8.4% YoY) — warning sign

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