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FITB

🏦 Financial Services

Fifth Third Bancorp

Conservative #70Aggressive #526Low Risk
$51.97+0.80%
Day High$52.64
Day Low$51.49
Volume8.8M
Mkt Cap$34.4B
52W Low $3252W High $55
Market Cap
$34.5B
P/E Ratio
14.1
Sector avg: 26.8
Rev Growth
-1.4%
Sector avg: 13.4%
Earnings Growth
9.0%
Profit Margin
19.6%
Sector avg: -2.8%
Debt/Equity
0.67

Why This Score

FITB scores 73.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Attractively valued at 14.1x earnings, below the market average.
  • Positive but moderate momentum (26%) — steady appreciation without overheating.
  • High conviction (77/100) — fundamental and ML signals agree on this stock.

No material penalties applied. FITB ranks #70 based on its factor profile and ML signal alignment.

Score Breakdown

Overall Score73.8
Fundamental Score66.8
ML Score82.0

Score by Horizon

3 Month
77.0
6 Month
86.0
Primary
1 Year
90.6

Quality Assessment

C
Quality Grade
Average quality — moderate profitability or leverage

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
54
Neutral
Analyst (6.4%)
63
Favorable
Tradability (post-hoc)
98
Grade A
Base
69.8
SHAP
+3.2
Factors
+0.8
Divergence
-0.0
Final
73.8
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

63AVG
Value81
Quality46
Growth45
Stability80
Investment61

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)60.0
Technical (Momentum, Weinstein, Volatility)83.0
External (Sentiment, Analyst, Macro)67.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+1.5% to +6.0%
Medium-term
+2.9% to +9.8%
Long-term
+4.2% to +13.6%

ML Model Core Features100 trained inputs → ML Score: 82

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score62.8/100
Target Upside+0.0%
Coverage51 analysts
Market Sentiment
Sentiment Score53.6/100
News Volume0 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.3%
6M Momentum+0.2%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+8.5%
Momentum ConsistencyModerate (0.67)
Relative Strength vs Sector+17.2%
Trend Strength (ADX Proxy)Strong (4.0)
Momentum Quality+0.239
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
33%
High risk — cheap + stagnating
Sector RevGr Rank
P18
Revenue growth vs Financial Services peers
Sector PE Rank
P54
Valuation vs Financial Services peers
Sector FCF Rank
P76
Free cash flow vs Financial Services peers
Growth Deviation
-0.1σ
Z-score vs sector median
Stagnation Flag
YES
Below-sector growth + cheap PE
Value trap warning: This stock scores in the top quartile for value trap risk. The combination of below-sector-median revenue growth, low PE, and high free cash flow yield suggests the market is pricing in stagnation. The ML model's sector-relative features (trained on 30 years of data) reduce this stock's score accordingly.

Analysis Signals

Scoring Factors
Fundamental score of 67 relative to sector peers67/100
Machine learning ensemble ranks this stock at the 82th percentileP82
Blended score: 80% fundamental (67) + 20% ML (82) = 69.869.8
Risk assessment: low. Low vol 0.1%; Drawdown 8% → 0.0ptLow
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +3.2pt (features align with model priorities)SHAP
Divergence penalty: -0.0pt (ML 15pt higher)Divergence
Risk Factors

No risk factors identified.

Sector Peer Comparison(Financial Services — Rank #26 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
FITB73.814.1-1.4%19.6%$34.5B
CME86.427.29.9%57.5%$112.1B
FHB84.911.83.2%24.2%$3.2B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.8B
SEIC82.214.010.7%27.3%$10.1B
TROW79.910.13.1%28.5%$21.1B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.4B
HWC77.812.2-1.5%24.1%$5.8B
FFIN77.518.811.7%30.7%$4.8B
TRMK77.111.934.8%19.3%$2.7B
NMIH77.17.78.4%55.1%$3.1B
EWBC76.712.74.6%28.3%$16.0B
WSFS76.312.8-3.1%21.1%$3.6B
MCHB76.1N/A123.7%23.2%$3.3B
Sector Average47.526.813.4%-2.8%

Company Overviewvia FMP

Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers. Its Branch Banking segment provides a range of deposit and loan products to individuals and small businesses. This segment offers checking and savings accounts, home equity loans and lines of credit, credit cards, and loans for automobiles and personal financing needs, as well as cash management services for small businesses. The company's Consumer Lending segment engages in direct lending activities that include origination, retention, and servicing of residential mortgage and home equity loans or lines of credit; and indirect lending activities, including loans to consumers through correspondent lenders and automobile dealers. Fifth Third Bancorp's Wealth & Asset Management segment provides various investment alternatives for individuals, companies, and not-for-profit organizations. It offers retail brokerage services to individual clients; and broker dealer services to the institutional marketplace. This segment also provides wealth planning, investment management, banking, insurance, and trust and estate services; and advisory services for institutional clients comprising middle market businesses, non-profits, states, and municipalities. As of December 31, 2021, the company operated 1,117 full-service banking centers and 2,322 ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, and South Carolina. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.

CEO
Timothy N. Spence
Employees
18,786
Beta
0.98
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
42.0
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-6.3%
High: $55.44
From 52W Low
+61.1%
Low: $32.25
Moving Averages
10-Day
$52.40
Below
20-Day
$52.70
Below
50-Day
$50.40
Above
200-Day
$44.50
Above
60-Day Support
$43.25
60-Day Resistance
$55.44
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 79/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+16.8%
200 SMA Slope (60d)
+8.17%
Rising
Volume Ratio
0.81x
10d avg vs 50d avg
Days in Stage
68
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$3.3B$3.3B$3.2B$3.1B
Gross Profit$2.3B$2.1B$2.0B$1.9B
Operating Income$912M$837M$808M$653M
Net Income$731M$649M$628M$515M
EPS (Diluted)$1.04$0.91$0.88$0.71
Gross Margin71.4%63.8%63.8%62.0%
Operating Margin27.8%25.4%25.2%21.2%
Net Margin22.3%19.7%19.6%16.7%

Why This Stock

Financial ServicesP/E ratio of 14.1Profit margin 19.6%

Tradability FilterGrade A — 98/100Score impact: +7.8pt

Volume
100
10.6M avg/day
Dollar Vol
100
$539M/day
Float
100
657M shares
Mkt Cap
92
$34.5B
Range
96
72% spread
Composite Liquidity Score98/100
FDCBA

Multi-Year Range Analysis

Sideways: 7/100
YearLowHighRangeStatus
2021$34.35$45.9228.8%Moderate
2022$30.92$50.6448.4%Wide
2023$22.11$38.0653%Wide
2024$32.29$49.0741.2%Wide
2025$32.25$48.7140.7%Wide
3-Year Range
75.8%
Narrow Years
1 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
slight revenue decline

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
99.4%
Outstanding Shares
661M
Bid-Ask Spread
72.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.