# Fifth Third Bancorp (FITB)

> Source: Nexqual · https://nexqual.com/FITB · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Fifth Third Bancorp (FITB), nexqual.com/FITB" · informational, not investment advice.

**Price:** USD 53.23 (+0.80% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 53.23 · day 52.34–53.5 · 52w 40.68–59.5 · market cap null · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $10.7B, net income $2.35B (21.8% margin) (SEC filings).
- 3 of 80 tracked superinvestors hold FITB (13F, Q2 2026): 0 new, 0 added, 3 reduced, 0 unchanged.
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $1.3M; 2 not under a Rule 10b5-1 plan ($1.3M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (22 analysts), mean target USD 61.49 (range 55–67).
- Total return with dividends: 1Y +30.7% vs S&P 500 +14.9%; 5Y +41.3% vs S&P 500 +80.3%.
- Next earnings: 2027-01-19, EPS estimate USD 1.12, revenue estimate $3.43B.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $7.89B | $8.38B | $8.71B | $8.48B | $9.02B | $10.7B |
| Net income | $2.77B | $2.45B | $2.35B | $2.31B | $2.52B | $2.35B |
| EPS (diluted) | $3.73 | $3.35 | $3.22 | $3.14 | $3.53 | — |
| Free cash flow | $2.40B | $6.08B | $4.02B | $2.41B | $3.93B | $3.02B |
| Net margin | 35.1% | 29.2% | 27.0% | 27.3% | 28.0% | 21.8% |
| Revenue growth | +3.6% | +6.2% | +4.0% | -2.6% | +6.3% | — |
| Cash + short-term investments | $2.99B | $3.47B | $3.14B | $3.01B | $3.50B | — |
| Total debt | $11.8B | $13.7B | $16.4B | $19.0B | $14.5B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)

P/E at fiscal year-ends: Dec 2025 12.5x, Dec 2024 12.6x, Dec 2023 10.1x.

## Superinvestors (SEC 13F-HR, Q2 2026)
3 of 80 tracked investors hold FITB. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Christopher Davis | Davis Advisors | 0.65% | $151M | Reduced -4.6% |
| John Rogers | Ariel Investments | 0.31% | $31.3M | Reduced -2.3% |
| Richard Pzena | Pzena Investment Management | 0.26% | $89.3M | Reduced -3.1% |

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-04-28 | Sefzik Peter L | EVP | 20,000 | $1.0M | 9.6% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-04-20 | Khanna Kevin J | EVP | 6,000 | $305K | 7.3% | No | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus Buy (mean 2.00 on a 1–5 scale), 22 analysts; mean target USD 61.49 (low 55, high 67).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-22 | Citigroup | Target raised | Buy | $62 → $63 |
| 2026-10-21 | Stephens & Co. | Target lowered | Equal-Weight | $61 → $59 |
| 2026-10-21 | Evercore ISI Group | Upgrade | In-Line → Outperform | $57 → $60 |
| 2026-10-20 | RBC Capital | Target lowered | Outperform | $62 → $60 |
| 2026-10-05 | UBS | Target lowered | Buy | $65 → $63 |
| 2026-10-02 | JP Morgan | Target lowered | Overweight | $62 → $58 |
| 2026-10-01 | Evercore ISI Group | Target lowered | In-Line | $61 → $57 |
| 2026-09-23 | Truist Securities | Target lowered | Buy | $64 → $63 |
| 2026-09-22 | Citigroup | Upgrade | Neutral → Buy | $59 → $62 |
| 2026-07-29 | JP Morgan | Target raised | Overweight | $61 → $62 |
| 2026-07-24 | Citigroup | Target raised | Neutral | $53 → $59 |
| 2026-07-21 | Evercore ISI Group | Target raised | In-Line | $60 → $61 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | +30.7% | +41.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +30.9% | +7.1% |
| Volatility (annualized) | 25.3% | 31.6% |
| Max drawdown | -21.2% (Feb 2026→Mar 2026) | -51.1% (Jan 2022→Oct 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · TFC (Truist Financial Corporation) USD 48.42 +1.45% · DB (Deutsche Bank AG) USD 31.48 -2.39% · NWG (NatWest Group plc) USD 16.99 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13% · LYG (Lloyds Banking Group Plc) USD 5.38 -2.00%

## More
Full page: https://nexqual.com/FITB · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-10-19)

- "(e) Assumes a 24% tax rate."
- "(45) Fifth Third's ability to meet its environmental and/or social targets, goals and commitments; and (46) risks relating to the merger with Comerica Incorporated, including Fifth Third's inability to realize the anticipated benefits of the merger and potential disruption to Fifth Third's business resulting from post-merger integration."
- "(a) Assumes a 24% tax rate."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $1.12 | $1.19 | -5.9% | $3.43B | 14 |
| Next quarter (ends 2027-03-31) | $1.04 | $1.03 | +1.3% | $3.38B | 9 |
| Current fiscal year (ends 2026-12-31) | $3.04 | $3.04 | +0.1% | $12.85B | 15 |
| Next fiscal year (ends 2027-12-31) | $4.89 | $4.88 | +0.1% | $14.07B | 16 |