Fifth Third Bancorp FITB
NYSE · State Commercial Banks · $49.6B$53.45−2.32%Nov 5 close · Databento
FITB Wire Story Reactions & EOD Technical StudyDaily closes (Databento EOD) pinned with every AlgoThesis Wire story (dot colour = next trading day close) and SEC filing
Nov 5, 2026CLOSE $53.451D −2.32%3M −6.44%SMA20 $52.48SMA50 $52.68RSI(14) 53.2
53.45
RSI (14, Wilder EOD) · 70 Overbought / 30 OversoldRSI 53.2
Data provided by Databento (end of day). Next close = the first close after a story against the close before it; official daily closes only, not a call, not advice.
The numbers
fiscal 2025, as filed with the SEC · 66-metric EOD snapshot via DatabentoMarket cap$49.6B
EV / True FCF15.8x
Revenue$9.9B −5.0%
True FCF (ex-SBC)$3.8B +63.1%
Rule of 4034.7%
True FCF Yield7.6%
EPS, diluted$3.53 +12.4%
Modern Valuation (EOD)
Market Cap$49.6B
Enterprise Value$59.7B
EV / True FCF15.85
EV / FCF15.19
EV / Gross Profit—
EV / EBIT—
EV / Sales6.03
P / E (GAAP)19.68
P / FCF12.63
P / Oper. CF10.99
P / Book2.28
Owner & Cash Yields
True FCF Yield7.6%
FCF Yield7.9%
Owner Earn. Yield3.7%
Earnings Yield5.1%
Shareholder Yield+3.1%
Buyback Yield1.1%
Dividend Yield2.88%
Dividend / sh$1.54
Payout Ratio46%
FCF / sh$4.35
EPS (diluted)$3.53
Compounder & Returns
Rule of 4034.7%
ROIC—
Cash ROIC (CROIC)12.4%
GP / Assets—
ROE11.6%
ROA1.2%
Gross Margin—
Oper. Margin—
Net Margin25.5%
FCF Margin39.7%
True FCF Margin38.0%
Quality & Dilution
Cash Conversion156%
Accrual Ratio−0.9%
SBC % of FCF4.1%
SBC % of Rev1.6%
Reinvest. Rate13%
Sales Growth Y/Y−5.0%
Sales 3Y CAGR+14.6%
EPS Growth Y/Y+12.4%
FCF Growth Y/Y+63.1%
FCF 3Y CAGR−13.5%
Share Change Y/Y−2.2%
Balance Sheet & Scale
Revenue (FY)$9.9B
Gross Profit (FY)—
Oper. Income (FY)—
GAAP Net Income$2.5B
True FCF (ex-SBC)$3.8B
Cash & Equiv$3.5B
Total Debt$13.6B
Net Cash (Debt)$-10.1B
Net Cash % MCap−20.3%
Debt / FCF (yrs)3.5y
Current Ratio—903.65M sh
Price & Technicals (EOD)
Perf Week−1.82%
Perf Month+6.64%
Perf Quarter−6.38%
Perf Half Y+7.61%
Perf YTD+4.85%
SMA 20 Dist+1.86%$52.48
SMA 50 Dist+1.47%$52.68
SMA 100 Dist−2.14%$54.62
Window High−9.97%$59.37
Window Low+13.31%$47.17
RSI (14) · Vol53.223%v
Income Distribution & Cash Flow ConversionHow every dollar of FITB revenue flows through cost of goods, operating expenses, taxes, GAAP net income, and dilution-adjusted free cash flow
Where Every $100 of Revenue Goes (FY2025)
Cost of Revenue (COGS)$0 ($0.0 / $100)
Operating Expenses$0 ($0.0 / $100)
Tax & Non-Operating$7.4B ($74.5 / $100)
Net Profit Kept$2.5B ($25.5 / $100)
Earnings Quality: GAAP Profit → True Owner Cash (FY2025)
GAAP Net Income$2.5B (25.5% margin)
Operating Cash Flow (OCF)$4.5B(45.6% of rev)
Less: Capital Expenditures−$584.0M(5.9% of rev)
Standard Free Cash Flow (FCF)$3.9B(39.7% margin)
Less: Stock-Based Comp (SBC)−$163.0M(4.1% of FCF)
True FCF (Owner Cash ex-SBC)$3.8B(38.0% of rev)
Revenue by fiscal year
Operating leverage — margins
GrossOperatingNet
| Line Item (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY Δ | 4Y CAGR | Trend |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | $5.2B | $6.6B | $9.8B | $10.4B | $9.9B | −5.0% | +17.4% | |
| Interest Expense | $441.0M | $978.0M | $3.9B | — | $3.9B | — | +72.8% | |
| Income Tax Expense | $747.0M | $647.0M | $639.0M | $602.0M | $689.0M | +14.5% | −2.0% | |
| GAAP Net Income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B | +9.0% | −2.3% | |
| Diluted EPS | $3.73 | $3.35 | $3.22 | $3.14 | $3.53 | +12.4% | −1.4% | |
| Diluted Shares | 711.2M | 695.0M | 687.7M | 687.3M | 672.5M | −2.2% | −1.4% | |
| Balance Sheet | ||||||||
| Cash & Equivalents | $3.0B | $3.5B | $3.1B | $3.0B | $3.5B | +16.1% | +4.0% | |
| Total Assets | $211.1B | $207.5B | $214.6B | $212.9B | $214.4B | +0.7% | +0.4% | |
| Total Debt (Short + Long Term) | $11.8B | $13.7B | $16.4B | $14.3B | $13.6B | −5.2% | +3.5% | |
| Total Liabilities | $188.9B | $190.1B | $195.4B | $193.3B | $192.7B | −0.3% | +0.5% | |
| Stockholders' Equity | $22.2B | $17.3B | $19.2B | $19.6B | $21.7B | +10.6% | −0.6% | |
| Net Cash / (Net Debt) | $-8.8B | $-10.2B | $-13.2B | $-11.3B | $-10.1B | +10.9% | — | |
| Invested Capital | $31.0B | $27.6B | $32.4B | $31.0B | $31.8B | +2.7% | +0.6% | |
| Cash Flow & Capital Allocation | ||||||||
| Operating Cash Flow (OCF) | $2.7B | $6.4B | $4.5B | $2.8B | $4.5B | +59.8% | +13.7% | |
| Depreciation & Amortization (D&A) | $124.0M | $121.0M | $110.0M | $81.0M | $65.0M | −19.8% | −14.9% | |
| Stock-Based Compensation (SBC) | $120.0M | $165.0M | $169.0M | $164.0M | $163.0M | −0.6% | +8.0% | |
| Capital Expenditures (CapEx) | $309.0M | $348.0M | $491.0M | $414.0M | $584.0M | +41.1% | +17.3% | |
| Free Cash Flow (FCF) | $2.4B | $6.1B | $4.0B | $2.4B | $3.9B | +63.1% | +13.2% | |
| True FCF (ex-SBC Owner Cash) | $2.3B | $5.9B | $3.8B | $2.2B | $3.8B | +67.7% | +13.4% | |
| Share Repurchases (Buybacks) | $1.4B | $100.0M | $200.0M | $625.0M | $525.0M | −16.0% | −21.6% | |
| Dividends Paid | $897.0M | $927.0M | $1.1B | $1.2B | $1.2B | −1.1% | +6.7% | |
Fundamentals, income distribution and multi-year statements from SEC EDGAR filings (public domain). Valuation multiples, performance and technicals computed from Databento 1D EOD closes. For information only, not investment advice.
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