At a glance
Fifth Third Bancorp is worth $49.85B, about 16 times its fiscal 2025 earnings. Revenue grew 6.3% to $9.02B in fiscal 2025, with 28.0% kept as profit; over 5 years it has grown 3.4% a year. It pays a 2.95% dividend yield, raised every year for at least 9 years, and returned $8.07B to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned +36.4% over the past year with dividends reinvested and +8.5% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 60.9% in the 2020 crash (S&P 500: 33.7%) and 36.4% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 10 months and 25 months after the lows.
The business in plain English
Fifth Third Bancorp is the Cincinnati-based parent of Fifth Third Bank. It gathers deposits through checking, savings and money market accounts and lends that money out as commercial loans and leases, mortgages, credit cards and installment loans. Customers include households, small businesses, larger companies and government, education, energy and healthcare organizations. As of December 31, 2025, it had $214 billion in assets, 1,130 full-service branches and 2,199 ATMs in a footprint stretching from Michigan and Illinois to Florida and Alabama.
Most of its revenue comes from net interest income: the gap between the interest it earns on loans and securities and the interest it pays depositors. In 2025 it totaled $5.98 billion of $9.02 billion in revenue. The other $3.04 billion was noninterest income, which includes fees for services such as payments, wealth management, securities and insurance. Net income was $2.52 billion, and return on equity, a measure of profit per dollar of shareholders' capital, was 11.6%.
The company runs three main businesses: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. Its trust and advisory businesses managed $80 billion for individuals, companies and nonprofits as of December 31, 2025. Fifth Third's 2025 annual report also describes a merger with Comerica; by June 30, 2026, total assets had reached about $300 billion.
Price history
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FITB +36.4% over the year to Nov 2, 2026, total return with dividends reinvested.
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $3.27B, up 45.8% from a year earlier, and net income was $801.0M (+27.5%).
- For fiscal 2025, revenue was $9.02B (+6.3% year over year; +3.4% a year from FY2020 to FY2025) with a 28% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +3.4% watch |
|---|---|
| Return on equity | 11.6% watch |
| Net income / revenue | 28% good |
| Deposits | $234.14B |
| Loans | $175.61B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $7.61B | $1.43B | — |
| FY2021 | $7.89B | $2.77B | — |
| FY2022 | $8.38B | $2.45B | — |
| FY2023 | $8.71B | $2.35B | — |
| FY2024 | $8.48B | $2.31B | — |
| FY2025 | $9.02B | $2.52B | — |
Valuation snapshot
| Market value | $49.85B |
|---|---|
| P/E ratio | 15.6 |
| Dividend yield | 2.95% |
Rank among 1514 US companies
Market value at each year end
Fifth Third Bancorp’s market value went from $20.38B at the end of 2016 to $49.85B on Nov 2, 2026, about 2.4 times as much; since the end of 2025 it is up 61%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Nov 2, 2026 | $49.85B | +61.1% |
| 2025 | $30.94B | +9.1% |
| 2024 | $28.35B | +20.7% |
| 2023 | $23.49B | +4.3% |
| 2022 | $22.52B | -24.4% |
| 2021 | $29.78B | +51.6% |
| 2020 | $19.64B | -10.0% |
| 2019 | $21.82B | +41.4% |
| 2018 | $15.43B | -27.9% |
| 2017 | $21.41B | +5.0% |
| 2016 | $20.38B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| FITB price data to Nov 2, 2026 | +20.3% | +36.4% | +34.6% | +8.5% | +13.7% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +20.3% |
| 2025 | +14.8% |
| 2024 | +27.1% |
| 2023 | +10.4% |
| 2022 | -21.9% |
| 2021 | +62.4% |
| 2020 | -5.4% |
| 2019 | +35.1% |
| 2018 | -20.3% |
| 2017 | +15.0% |
| 2016 | +37.9% |
| 2015 | +1.3% |
| 2014 | -0.8% |
| 2013 | +42.0% |
| 2012 | +22.5% |
| 2011 | -11.3% |
| 2010 | +51.0% |
| 2009 | +18.9% |
| 2008 | -65.6% |
| 2007 | -35.4% |
| 2006 | +13.0% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 95.8% over that stretch · deepest drop along the way 96.9%, back to its old high 96.3 months after the low |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 59% over that stretch · deepest drop along the way 60.9%, back to its old high 9.7 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 26% over that stretch · deepest drop along the way 36.4%, back to its old high 24.7 months after the low |
Insider activity
Form 4 filings from 2025-11-03 to 2026-11-03 (25 read): 0 open-market purchases and 42 sales ($3.6M).
| Date | Insider | Type | Value |
|---|---|---|---|
| Apr 28, 2026 | Peter L Sefzik EVP | sell | $947K |
| Oct 29, 2026 | Timothy Spence Chair, CEO & President, Director | sell | $450K |
| Feb 23, 2026 | Jude Schramm EVP & CIO | sell | $365K |
| Apr 20, 2026 | Kevin J Khanna EVP | sell | $203K |
| Feb 24, 2026 | Jude Schramm EVP & CIO | sell | $177K |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 8% | Mar 31, 2026 |
| Vanguard Capital Management | 7.46% | Mar 31, 2026 |
| Vanguard Portfolio Management | 5.2% | Mar 31, 2026 |
| T. Rowe Price Associates, Inc. | 4.3% | Jun 30, 2026 |
| Capital World Investors | 4.2% | Mar 31, 2025 |
ETFs with the most weight in FITB
| DFNL Davis Select Financial ETF | 4.85% |
| IAT iShares U.S. Regional Banks ETF | 4.45% |
| KBWB Invesco KBW Bank ETF | 3.96% |
| FTXO First Trust Nasdaq Bank ETF | 3.5% |
| CGMM Capital Group U.S. Small and Mid Cap ETF | 1.62% |
| RSPF Invesco S&P 500 Equal Weight Financials ETF | 1.31% |
| SPYD SPDR Portfolio S&P 500 High Dividend ETF | 1.12% |
| KBE SPDR S&P Bank ETF | 1.05% |
What could go wrong
- The Comerica merger may not go smoothly. Fifth Third expects substantial costs from its merger with Comerica. Combining the businesses could be harder than planned, and the expected benefits may arrive late or fall short.
- Loan losses could exceed reserves. Bad loans have hurt Fifth Third before. It charged $662 million against 2025 earnings for expected credit losses, and its reserves may prove too small if the economy in its home states weakens.
- Depositors could move their money. Core deposits, meaning everyday accounts and certificates of deposit up to $250,000, funded 77% of average assets in 2025. If customers move money elsewhere, Fifth Third may pay more for funding, squeezing profits.
- Interest rate swings can squeeze lending profits. Net interest income, the gap between what loans earn and what deposits cost, was $5.98 billion of $9.02 billion in 2025 revenue. Rate moves can narrow that gap.
- Capital rules can cap dividends and buybacks. Regulators set minimum capital levels that can restrict payouts to shareholders. Banks with $250 billion or more in assets face stricter rules; Fifth Third's assets were about $300 billion as of June 30, 2026.
- Fintech rivals and faster payments add pressure. Fifth Third competes with brokers, private credit funds, financial technology firms and insurers as well as banks. Real-time payment networks could also cut profits on payment products and raise fraud losses.
Recent events
- Quarterly results released; Investor presentation or announcement
- Other company announcement
- Investor presentation or announcement
- Other company announcement
- Investor presentation or announcement
- Quarterly results released; Investor presentation or announcement
- Other company announcement
- Investor presentation or announcement
- Listing notice from the exchange; Investor presentation or announcement
- Other company announcement
For income and retirement investors
Fifth Third has at least nine straight annual dividend increases, covering fiscal years 2016 through 2025, and the streak may be longer. Dividends per share rose from $1.08 in 2020 to $1.54 in 2025, about 7.4% a year, and the 2025 payout used 46% of earnings. The dividend yield was 3.03% as of October 28, 2026. From 2021 through 2025 the company paid $5.2 billion in dividends and spent $2.8 billion on buybacks, yet its share count rose about 33% between October 2021 and July 2026.
The shares have fallen hard in downturns. They lost about 97% in the 2008 financial crisis and did not regain their October 2007 peak until March 2017. They dropped about 61% in the 2020 COVID crash and 36% in the 2022 bear market, recovering by January 2021 and October 2024 respectively. A single bank stock carries more risk than a diversified fund.
Questions investors ask
How does Fifth Third Bancorp make money?
Mostly by lending. In 2025, net interest income, the difference between what Fifth Third earns on loans and securities and what it pays on deposits, was $5.98 billion of its $9.02 billion in revenue. The other $3.04 billion was noninterest income, which includes fees for services such as payments, wealth management, securities and insurance. After expenses, including $662 million for expected credit losses, net income was $2.52 billion, or $3.53 per diluted share.
Does Fifth Third raise its dividend every year?
Yes, for at least nine straight years. Its dividend increases cover fiscal years 2016 through 2025, and the streak may be longer. Dividends per share grew from $1.08 in 2020 to $1.54 in 2025, about 7.4% a year. The 2025 dividend used about 46% of earnings, and the dividend yield was 3.03% as of October 28, 2026. Bank capital rules can limit future increases.
What does the Comerica merger mean for Fifth Third?
A much larger bank, with integration risk attached. Fifth Third's 2025 annual report describes the merger and warns of substantial merger and integration costs, possible difficulties combining the businesses, and benefits that may take longer than expected. Total assets were about $300 billion as of June 30, 2026, up from $214 billion at the end of 2025, and revenue for the quarter ended June 30, 2026 was 45.8% higher than a year earlier. The share count rose about 33% between October 2021 and July 2026.
How did Fifth Third stock do in the 2008 financial crisis?
Very badly. The share price fell about 97% from its October 2007 peak to its February 2009 low and did not regain that peak until March 2017. Later slumps were smaller but still deep: about 61% in the 2020 COVID crash, recovered by January 2021, and about 36% in the 2022 bear market, recovered by October 2024. Bank stocks can fall sharply when investors fear loan losses or deposit outflows.
How big is Fifth Third Bank?
It is a large regional bank based in Cincinnati, Ohio. As of December 31, 2025, it had 1,130 full-service branches and 2,199 ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, South Carolina and Alabama. As of June 30, 2026, it held about $300 billion in assets, $234 billion in deposits and $176 billion in loans. Its stock market value was about $48.5 billion as of October 28, 2026, when the shares traded at 15.1 times 2025 earnings.