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Intrinsic value of Fifth Third Bancorp (FITB)

Previous Close$34.67
Intrinsic Value
Upside potential
Previous Close
$34.67
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh25.97 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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 asset management services; wealth planning, investment management, insurance, and trust and estate services; and advisory services for institutional clients. As of April 14, 2020, the company operated 1,149 banking centers and 2,481 ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, and North Carolina. Fifth Third Bancorp has a strategic relationship with Trust & Will to provide savings on Will and Trust-based estate plans. The company was founded in 1858 and is headquartered in Cincinnati, Ohio.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %9.4NaN
Revenue, $7664NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m4147NaN
Operating income, $m3517NaN
EBITDA, $m3866NaN
Interest expense (income), $mNaN
Earnings before tax, $m3399NaN
Tax expense, $m747NaN
Net income, $m2652NaN

BALANCE SHEET

Cash and short-term investments, $m38078NaN
Total assets, $m211116NaN
Adjusted assets (=assets-cash), $m173038NaN
Average production assets, $m7759NaN
Working capital, $m-20167NaN
Total debt, $m13315NaN
Total liabilities, $m188906NaN
Total equity, $m22210NaN
Debt-to-equity ratio0.600NaN
Adjusted equity ratio-0.075NaN

CASH FLOW

Net income, $m2652NaN
Depreciation, amort., depletion, $m349NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m2436NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-262NaN
Free cash flow, $m2698NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-20167
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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