# Fifth Third Bancorp (FITB) — Stock CV

Fifth Third Bancorp is a $46.1B financial services company. Revenue shrank 23.0% over the last year, and it keeps 16¢ of every dollar of sales as profit. It trades at 21.1× earnings — near the highest of its own history.

> Fifth Third Bancorp is a midsize regional bank in the US, with total assets of around $300 billion as of June 2026. The bank closed its acquisition of Comercia in February 2026.

## Identity

- **Ticker**: FITB
- **Sector**: Financial Services
- **Industry**: State Commercial Banks
- **Headquarters**: CINCINNATI, OH
- **Employees**: 18 676
- **Website**: https://www.53.com
- **Market cap**: $46.1B
- **Last price**: $50.79
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $14.9B
- **Net income**: $2.35B
- **Free cash flow**: $3.02B
- **Net cash**: $4.36B
- **P/E**: 21.1
- **Revenue growth (YoY)**: -23.0%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 50 |
| Growth | 70 |
| Profitability | 69 |
| Health | 50 |
| Quality | 65 |
| Moat | 70 |

## Qualifications (beginner checklist) — 9 of 11 passed

- [ ] Revenue growing — -23.0% YoY
- [x] Profitable — $2.35B TTM
- [x] Profit growing — +2.1% YoY
- [x] Generates cash — $3.02B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $46.1B market cap
- [x] Not printing shares — -6.5% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 2.56%
- [x] Valuation not extreme — P/E 21.1

## Experience (career milestones)

- **FY2024** — Revenue crossed $10B: $13.3B for the year
- **FY2021** — Best year on record: $2.77B net income
- **FY2020** — Became debt-free: cash now exceeds total debt
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $6.89B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Strong cash conversion — FCF is 20.3% of revenue
- Net cash position after subtracting debt from cash

## Watch-outs

- Revenue shrinking 23.0% year over year

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $600M | $2.77B | $2.40B |
| FY2022 | $589M | $2.45B | $6.08B |
| FY2023 | $577M | $2.35B | $4.02B |
| FY2024 | $13.3B | $2.31B | $2.41B |
| FY2025 | $12.9B | $2.52B | $3.93B |

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Source: https://stockcv.com/FITB — derived from company filings; may be delayed or incomplete. Information, not investment advice.