FITBFIFTH THIRD BANCORP
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $48.8B
- Employees
- 18,676
- Net debt / EBITDA
- —
- $13.3B net debt
- AI in 10-K
- 1.4
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo179% of net incomeCash flow under 80% of net income
- Dilutive SBCYes28% of revenueOver 10% of revenue
- Payouts exceed cash flowNo37% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo3% of assetsOver 40% of assets
- Shareholder dissentNo95% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo$31K · 30th pctBottom quartile of its SIC industry
- Quiet on AINo1.4 per 10K words · 44th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$48.8B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$9M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $600M | $589M | $577M | — | — | |
| Net income | $2.8B | $2.4B | $2.3B | $2.3B | $2.5B | 9.0% |
| Operating cash flow | $2.7B | $6.4B | $4.5B | $2.8B | $4.5B | 60% |
| Capex | $309M | $348M | $491M | $414M | $584M | 41% |
| Stock-based comp | $120M | $165M | $169M | $164M | $163M | 0.6% |
| Buybacks | $1.4B | $100M | $200M | $625M | $525M | 16% |
| Dividends | $897M | $927M | $1.1B | $1.2B | $1.2B | 1.1% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $9M · 50
- Net
- −$9M
Pay vs performance
No pay-versus-performance disclosure yet.