Intrinsic Value
FIFTH THIRD BANCORP · FITBI
Conservative
More adverse but historically defensible assumptions.
$31.06
Base
The model's central intrinsic-value estimate.
$38.65
Optimistic
More favorable but historically defensible assumptions.
$114.93
Scenarios are the same model run under different but historically defensible assumptions. They are not price targets. Where a valuation gap is shown it is a comparison with a recent close, not a forecast return; where the price is stale, no gap is shown at all.
Model confidence: 82%Valuation as of Sep 21, 2026Latest filing used Feb 24, 2026
Confidence reflects data completeness, accounting quality, and model reliability. It is not a probability of future price.
Valuation drivers
- Normalized ROE
- 13.2%
- Cost of equity
- 9.95%
- Terminal ROE
- 11.6%
- Terminal growth
- 2.50%
- Book common equity
- $20B
- Intrinsic common equity
- $26B
- Terminal-value share
- 8.7%
Model notes (7)
- Forecast payout capped at 100% of earnings left the demonstrated range (Conservative case)
- Book-value rollforward residual of 16.5%(FY2019)
- ROTCE unavailable — tangible common equity is not reported(FY2020–FY2022)
- Net charge-offs unavailable
- Net interest income to assets is a proxy; average earning assets are unavailable so no net interest margin is published
- Non-performing loans unavailable
- Regulatory capital constraint unavailable
Model details
- Normalization
- V1
- Scenario
- V2
- Confidence
- V1
- Engine version
- valuation-1.0.1-share-units-terminal
- Data snapshot
- filed:2026-02-24