NYSE: FITB
Fifth Third Bancorp
Financials · State Commercial Banks
52-week range
$40.68$59.50
Stock price
Market cap
At each fiscal year end, then the latest quarter end: closing price × shares outstanding.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.$51.1B
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| Period | Market cap |
|---|---|
| FY2016, ended Dec 31, 2016 | $20.3B |
| FY2017, ended Dec 31, 2017 | $21.1B |
| FY2018, ended Dec 31, 2018 | $15.2B |
| FY2019, ended Dec 31, 2019 | $21.8B |
| FY2020, ended Dec 31, 2020 | $19.5B |
| FY2021, ended Dec 31, 2021 | $29.8B |
| FY2022, ended Dec 31, 2022 | $22.3B |
| FY2023, ended Dec 31, 2023 | $23.5B |
| FY2024, ended Dec 31, 2024 | $28.1B |
| FY2025, ended Dec 31, 2025 | $42.2B |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | $51.1B |
Revenue
By fiscal year, then the trailing 12 months.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.$10.7B
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| Period | Revenue |
|---|---|
| FY2016, ended Dec 31, 2016 | $6.31B |
| FY2017, ended Dec 31, 2017 | $7.02B |
| FY2018, ended Dec 31, 2018 | $6.93B |
| FY2019, ended Dec 31, 2019 | $8.33B |
| FY2020, ended Dec 31, 2020 | $7.61B |
| FY2021, ended Dec 31, 2021 | $7.89B |
| FY2022, ended Dec 31, 2022 | $8.38B |
| FY2023, ended Dec 31, 2023 | $8.71B |
| FY2024, ended Dec 31, 2024 | $8.48B |
| FY2025, ended Dec 31, 2025 | $9.02B |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | $10.7B |
Net income and free cash flow
By fiscal year, then the trailing 12 months. Free cash flow is operating cash flow minus capex.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.Show tableHide table
| Period | Net income | Free cash flow |
|---|---|---|
| FY2016, ended Dec 31, 2016 | $1.55B | $1.91B |
| FY2017, ended Dec 31, 2017 | $2.18B | $1.28B |
| FY2018, ended Dec 31, 2018 | $2.19B | $2.66B |
| FY2019, ended Dec 31, 2019 | $2.51B | $1.58B |
| FY2020, ended Dec 31, 2020 | $1.43B | $66.0M |
| FY2021, ended Dec 31, 2021 | $2.77B | $2.40B |
| FY2022, ended Dec 31, 2022 | $2.45B | $6.08B |
| FY2023, ended Dec 31, 2023 | $2.35B | $4.02B |
| FY2024, ended Dec 31, 2024 | $2.31B | $2.41B |
| FY2025, ended Dec 31, 2025 | $2.52B | $3.93B |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | $2.35B | $3.02B |
Cash and cash equivalents
At each fiscal year end, then the latest quarter end.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.$4.37B
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| Period | Cash and cash equivalents |
|---|---|
| FY2016, ended Dec 31, 2016 | $2.39B |
| FY2017, ended Dec 31, 2017 | $2.51B |
| FY2018, ended Dec 31, 2018 | $2.68B |
| FY2019, ended Dec 31, 2019 | $3.28B |
| FY2020, ended Dec 31, 2020 | $3.15B |
| FY2021, ended Dec 31, 2021 | $2.99B |
| FY2022, ended Dec 31, 2022 | $3.47B |
| FY2023, ended Dec 31, 2023 | $3.14B |
| FY2024, ended Dec 31, 2024 | $3.01B |
| FY2025, ended Dec 31, 2025 | $3.50B |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | $4.37B |
Total debt
At each fiscal year end, then the latest quarter end. Short- and long-term borrowings, excluding leases.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.$22.3B
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| Period | Total debt |
|---|---|
| FY2016, ended Dec 31, 2016 | $17.9B |
| FY2017, ended Dec 31, 2017 | $18.9B |
| FY2018, ended Dec 31, 2018 | $15.0B |
| FY2019, ended Dec 31, 2019 | $16.0B |
| FY2020, ended Dec 31, 2020 | $16.2B |
| FY2021, ended Dec 31, 2021 | $12.8B |
| FY2022, ended Dec 31, 2022 | $18.6B |
| FY2023, ended Dec 31, 2023 | $19.2B |
| FY2024, ended Dec 31, 2024 | $19.0B |
| FY2025, ended Dec 31, 2025 | $14.5B |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | $22.3B |
Shares outstanding
At each fiscal year end, then the latest quarter end, adjusted for splits. Up 20.8% since 2016.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.907M
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| Period | Shares outstanding |
|---|---|
| FY2016, ended Dec 31, 2016 | 751M |
| FY2017, ended Dec 31, 2017 | 694M |
| FY2018, ended Dec 31, 2018 | 647M |
| FY2019, ended Dec 31, 2019 | 710M |
| FY2020, ended Dec 31, 2020 | 709M |
| FY2021, ended Dec 31, 2021 | 684M |
| FY2022, ended Dec 31, 2022 | 679M |
| FY2023, ended Dec 31, 2023 | 681M |
| FY2024, ended Dec 31, 2024 | 666M |
| FY2025, ended Dec 31, 2025 | 902M |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | 907M |
Buybacks and new shares
By fiscal year, then the trailing 12 months, in dollars. Below zero: bought back. Above zero: issued to employees, sold or used in acquisitions.Figures shown are for the trailing 12 months to Jun 30, 2026. Hover or tap a column for another year.Net: $57.0M more bought back than issued
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| Period | Bought back | Paid to employees | Used in acquisitions |
|---|---|---|---|
| FY2016, ended Dec 31, 2016 | $661M | $111M | — |
| FY2017, ended Dec 31, 2017 | $1.60B | $118M | — |
| FY2018, ended Dec 31, 2018 | $1.45B | $127M | — |
| FY2019, ended Dec 31, 2019 | $1.76B | $132M | $3.36B |
| FY2020, ended Dec 31, 2020 | $0 | $123M | — |
| FY2021, ended Dec 31, 2021 | $1.39B | $120M | — |
| FY2022, ended Dec 31, 2022 | $100M | $165M | — |
| FY2023, ended Dec 31, 2023 | $200M | $169M | — |
| FY2024, ended Dec 31, 2024 | $625M | $164M | — |
| FY2025, ended Dec 31, 2025 | $525M | $163M | — |
| Trailing 12 months to Jun 30, 2026 (through Q2 FY2026) | $300M | $243M | — |
Revenue (TTM)
$10.7B
+23.8% YoY
Net income (TTM)
$2.35B
+0.5% YoY
Cash
$4.37B
+47.2% YoY
Total debt
$22.3B
+24.5% YoY
Valuation
At current price- Market Cap
- $48.9B
- P/E
- 20.8×
- Forward P/E
- —. Needs analyst estimates; not available from the current data provider
- Price / Sales
- 4.5×
- Price / Book
- 1.4×
- EV / EBITDA
- —. (Market cap + debt − cash) / EBITDA (TTM)
Growth
Trailing 12 months- Revenue (TTM)
- $10.7B
- Revenue Growth YoY
- 23.8%
- Revenue CAGR 3Y
- 2.5%
- Revenue CAGR 5Y
- 3.4%
- EPS Growth YoY
- −7.5%
- Net Income Growth YoY
- 0.5%
Profitability
Trailing 12 months- Gross Margin
- —
- Operating Margin
- —
- Net Margin
- 21.8%
- FCF Margin
- 28.1%
- Return on Equity
- 8.4%
Earnings
Trailing 12 months- Net Income
- $2.35B
- EPS (diluted)
- $2.97
- EBITDA
- —. Operating income + depreciation & amortization
- Operating Income
- —
Balance Sheet
As of Jun 30, 2026- Cash and cash equivalents
- $4.37B
- Total Debt
- $22.3B
- Net Debt
- $17.9B
- Total Assets
- $300B
- Total Liabilities
- $266B
- Shareholders' Equity
- $34.5B
Cash Flow
Trailing 12 months- Operating Cash Flow
- $3.67B
- Capital Expenditure
- $644M
- Free Cash Flow
- $3.02B
Dividends and risk
Last 12 months- Dividend Yield
- 3.0%
- Dividend / Share
- $1.62
- Beta (5Y)
- 0.97
Every ratio is calculated from the company’s reported figures.
Strength
Revenue is up 23.8% year over year, at $10.7B.
Note
Net margin of 21.8% over the last 12 months.
Strength
Turns 28.1% of revenue into free cash flow.
Watch
Share count is up 37.0% in a year, diluting holders.
Written by fixed rules from the reported figures, not by a person or an AI.
Latest report
Pro10-K for the fiscal year ended Dec 31, 2025 · filed Feb 24, 2026
The score and findings for the newest report are part of CoreStock Pro, coming soon. Every earlier report is free.
Score of each annual report
0 to 100 · 60 means nothing notable · tap a column for its details
2024 · 10-K54Some concerns
54Some concerns
10-K for the fiscal year ended Dec 31, 2024
Filed Feb 24, 2025 · Read the filing on EDGAR
- Net revenue fell 3% to $8.50 billion and net income fell 1% to $2.31 billion, as higher deposit costs cut net interest income by $198 million.
- Credit quality got worse again: loan write-offs rose to 0.45% of loans from 0.32%, and loans that stopped paying rose to 0.71% from 0.59%.
- Pre-tax profit in the main business segments fell sharply: Commercial Banking dropped to $1.8 billion from $3.2 billion. Part of the drop comes from how the bank splits interest income between units internally.
- Capital improved, with the core capital (CET1) ratio up to 10.57%. The bank settled two consumer-protection cases with the CFPB for $20 million in penalties plus customer repayments.
Business momentum
Weakening
“Net interest income on an FTE basis (non-GAAP) was $5.7 billion for the year ended December 31, 2024, decreasing $198 million compared to the prior year.”
Outlook
Positive
“Net interest margin results are expected to modestly increase over the next several quarters driven by fixed-rate asset repricing and moderating deposit costs.”
Financial stress
Low
“The Bancorp maintains a strong liquidity profile driven by strong core deposit funding and over $100 billion in current available liquidity.”
Tone against the previous report
About the same
Red flags
- Minor
Investigation
“The Bank agreed to the entry of a Stipulated Final Judgment and Order, pursuant to which the Bank, without admitting or denying any of the allegations in the suit except as specified in the order, agreed to pay a civil monetary penalty of $15 million”
Positives
Stronger capital ratios
“CET1 capital ratio: 10.57%;”
Fee businesses growing
“Wealth and asset management revenue increased $66 million for the year ended December 31, 2024 compared to the year ended December 31, 2023”
Lower costs as FDIC special charge faded
“Noninterest expense decreased $172 million for the year ended December 31, 2024 compared to the year ended December 31, 2023”
Concerns
Shrinking interest margin from deposit costs
“Net interest margin on an FTE basis (non-GAAP) was 2.90% for the year ended December 31, 2024 compared to 3.05% for the year ended December 31, 2023.”
Rising loan losses and problem loans
“Net losses charged off as a percent of average portfolio loans and leases were 0.45% and 0.32% for the years ended December 31, 2024 and 2023, respectively.”
Weak business loan demand
“Commercial and industrial loans decreased $1.0 billion, or 2%, from December 31, 2023 primarily as a result of payoffs exceeding loan originations due to lower demand throughout 2024.”
New risks since the previous report
Uncertain regulatory changes under new administration
“We expect the Trump administration will seek to implement a regulatory reform agenda that is significantly different than that of the Biden administration”
Tariffs could hurt borrowers' ability to repay
“Changes in trade policies by the U.S. or other countries, such as tariffs or retaliatory tariffs, may cause inflation which could impact the prices of products sold by the Bancorp's borrowers”
Higher required capital buffer after stress test
“At December 31, 2024 and 2023, the Bancorp's stress capital buffer requirement was 3.2% and 2.5%, respectively.”
Weaker commercial credit outlook
“Provision expense for the year ended December 31, 2024 was affected by the impacts of deterioration in the macroeconomic forecast for the commercial portfolio”
Biggest risks named
- Credit losses if the economy or commercial borrowers weaken
- Deposit competition and high funding costs
- Interest-rate swings hurting margins and bond values
- Regulatory changes, capital rules and FDIC assessments
- Cybersecurity, fraud and instant-payment risks
Artificial intelligence in this business: Mentioned
How the score adds up
| Starting point | 60 | |
| Business momentum | −6 | |
| Outlook | +3 | |
| Tone against the previous report | 0 | |
| Financial stress | 0 | |
| Red flags | −1.5 | |
| New risks | −2 | |
| Score | 54 | |
Written by AI (Claude Opus 5.5) from the report’s text. 14 of 14 quotes were found word for word in the filing; the rest are left out. Not investment advice.
All scored reports
| Period | Report | Filed | Score | Momentum | Red flags |
|---|---|---|---|---|---|
| 10-K | Feb 24, 2026 | Pro | |||
| 10-K | Feb 24, 2025 | 54 | Weakening | 1 minor | |
| 10-K | Feb 27, 2024 | 60 | Improving | 1 medium | |
| 10-K | Feb 24, 2023 | 58 | Mixed | None | |
| 10-K | Feb 25, 2022 | 75 | Strong improvement | None | |
| 10-K | Feb 26, 2021 | 39 | Sharp deterioration | None | |
| 10-K | Mar 2, 2020 | 72 | Strong improvement | None | |
| 10-K | Mar 1, 2019 | 57 | Stable | 1 minor | |
| 10-K | Feb 20, 2007 | 59 | Stable | None | |
| 10-K | Mar 1, 2005 | 56 | Mixed | 1 minor |
How these scores work
An AI model reads the management discussion, risk factors and legal sections of each report and records what they say, quoting the filing word for word. Fixed rules then turn those findings into a score from 0 to 100, where 60 means nothing notable either way. A score describes the report, not whether the stock is a good investment, and the AI may know how things turned out later, which can colour older scores. Read the methodology
From the 10-Q for Q2 FY2026 (period ended Jun 30, 2026), filed Aug 4, 2026. View filings on SEC EDGAR