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Upturn AI SWOT - About
FITB 
Fifth Third Bancorp (FITB)
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Upturn Advisory Summary
04/01/2025: FITB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 1.77% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 26.33B USD | Price to earnings Ratio 12.62 | 1Y Target Price 48.98 |
Price to earnings Ratio 12.62 | 1Y Target Price 48.98 | ||
Volume (30-day avg) 4959962 | Beta 1.24 | 52 Weeks Range 32.60 - 48.18 | Updated Date 04/2/2025 |
52 Weeks Range 32.60 - 48.18 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.80% | Basic EPS (TTM) 3.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.11% | Operating Margin (TTM) 38.5% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 11.92% |
Valuation
Trailing PE 12.62 | Forward PE 10.76 | Enterprise Value 43752521728 | Price to Sales(TTM) 3.31 |
Enterprise Value 43752521728 | Price to Sales(TTM) 3.31 | ||
Enterprise Value to Revenue 5.63 | Enterprise Value to EBITDA - | Shares Outstanding 664611008 | Shares Floating 662436660 |
Shares Outstanding 664611008 | Shares Floating 662436660 | ||
Percent Insiders 0.4 | Percent Institutions 87.63 |
Analyst Ratings
Rating 3.78 | Target Price 50.55 | Buy 5 | Strong Buy 7 |
Buy 5 | Strong Buy 7 | ||
Hold 10 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fifth Third Bancorp
Company Overview
History and Background
Fifth Third Bancorp was established in 1908 through the merger of the Third National Bank and the Fifth National Bank of Cincinnati. It has grown through strategic acquisitions and organic expansion to become a leading regional bank in the Midwest and Southeast.
Core Business Areas
- Commercial Banking: Provides a comprehensive suite of financial services to businesses, including lending, treasury management, and capital markets solutions.
- Branch Banking: Offers retail banking services such as checking and savings accounts, mortgages, and credit cards to individual customers through a network of branches.
- Wealth & Asset Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and institutions.
Leadership and Structure
Tim Spence serves as the CEO of Fifth Third Bancorp. The company is structured with various executive leadership roles overseeing different business segments and support functions. A board of directors provides governance and strategic oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Fifth Third provides commercial loans to businesses of all sizes. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and PNC Financial Services (PNC). Market share data specific to Fifth Third's commercial loan market is granular and varies by region. A rough regional estimate would be between 3 and 7 percent depending on the location
- Mortgages: Fifth Third offers a range of mortgage products to consumers. Competitors include Rocket Mortgage, Wells Fargo (WFC), and US Bank (USB). Fifth Third's market share of the total mortage industry is somewhere between 0.5 and 2 percent depending on what part of the region they operate in
- Treasury Management: Solutions to help businesses optimize their cash flow. Competitors include Bank of America, JPMorgan Chase, and Citigroup (C). Market share varies by the geographic location of Fifth Third locations, ranging from 3 percent to 6 percent
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with fluctuating interest rates, increasing regulatory scrutiny, and evolving customer expectations driven by technological advancements. Consolidation and fintech disruption are key trends.
Positioning
Fifth Third Bancorp is positioned as a leading regional bank focused on providing relationship-based banking services. Its competitive advantages include a strong presence in its core markets, a diversified business model, and a commitment to innovation.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated at trillions of dollars. Fifth Third is positioned to capture a portion of this market by focusing on its core geographies and customer segments.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Strong capital position
- Commitment to technology
- Strong customer relationships
Weaknesses
- Limited national presence compared to larger banks
- Sensitivity to interest rate fluctuations
- Competition from fintech companies
- Dependence on economic conditions in core markets
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growth in wealth management business
- Increasing commercial lending demand
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
- KEY
Competitive Landscape
Fifth Third competes primarily on relationship banking and regional focus, facing larger national banks and specialized fintech firms. Advantages include strong customer loyalty in core markets and localized decision-making. Disadvantages stem from its smaller scale and limited geographic reach compared to its larger competitors.
Major Acquisitions
Provide
- Year: 2021
- Acquisition Price (USD millions): 505
- Strategic Rationale: The acquisition of Provide enhanced Fifth Third's healthcare banking capabilities and expanded its reach in the healthcare sector.
Growth Trajectory and Initiatives
Historical Growth: Need current data for accurate output. This section would contain numerical data and would be updated.
Future Projections: Need current data for accurate output. This section would contain numerical data and would be updated.
Recent Initiatives: Fifth Third Bancorp is investing in digital transformation initiatives, expanding its presence in key markets, and focusing on improving customer experience.
Summary
Fifth Third Bancorp demonstrates a stable regional presence with a diversified business model. Its commitment to technology and customer relationships positions it well for future growth. However, it faces challenges from larger national banks, fintech companies, and economic uncertainties. Continued focus on innovation and strategic expansion will be crucial for maintaining its competitive edge.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
KEY
KeyCorp
KEY
KeyCorp
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
RF
Regions Financial Corporation
RF
Regions Financial Corporation
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Financial data may be rounded for presentation purposes.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fifth Third Bancorp
Exchange NASDAQ | Headquaters Cincinnati, OH, United States | ||
IPO Launch date 1990-03-26 | Chairman, CEO & President Mr. Timothy N. Spence | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 18616 | Website https://www.53.com |
Full time employees 18616 | Website https://www.53.com | ||
Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that engages in the provision of a range of financial products and services in the United States. It operates through three segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. The 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 Consumer and Small Banking segment provides a range of deposit and loan products to individuals and small businesses; home equity loans and lines of credit; credit cards; and cash management services. This segment also engages in the residential mortgage that include origination, retention and servicing of residential mortgage loans, sales and securitizations of loans, and hedging activities; indirect lending, including extending loans to consumers through automobile dealers, motorcycle dealers, powersport dealers, recreational vehicle dealers, and marine dealers; and home improvement and solar energy installation loans through contractors and installers. The Wealth & Asset Management segment provides various wealth management services for individuals, companies, and not-for-profit organizations. It also 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. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.
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