Fifth Third Bancorp (STU:FFH) Cyclically Adjusted Book per Share: €26.06 (As of Mar. 2026)

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STU:FFH Fifth Third Bancorp STU:FFH
71 GF Score
Price €50.14
GF Value €40.36
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Fifth Third Bancorp Cyclically Adjusted Book per Share?

Fifth Third Bancorp STU:FFH +1.43% 71 Cyclically Adjusted Book per Share is €26.06 as of Mar. 2026. GuruFocus rates STU:FFH with a GF Score™ of 71/100 and a GF Value™ of €40.36 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Fifth Third Bancorp's adjusted book value per share for the three months ended in Mar. 2026 was €30.485. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €26.06 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Fifth Third Bancorp's average Cyclically Adjusted Book Growth Rate was 5.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.30% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.50% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 6.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Fifth Third Bancorp was 15.70% per year. The lowest was -0.70% per year. And the median was 6.80% per year.

As of today (2026-07-13), Fifth Third Bancorp's current stock price is €50.14. Fifth Third Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €26.06. Fifth Third Bancorp's Cyclically Adjusted PB Ratio of today is 1.92.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Fifth Third Bancorp was 2.11. The lowest was 0.66. And the median was 1.49.


Fifth Third Bancorp  (STU:FFH) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Fifth Third Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=50.14/26.06
=1.92

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Fifth Third Bancorp was 2.11. The lowest was 0.66. And the median was 1.49.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Fifth Third Bancorp Cyclically Adjusted Book per Share Related Terms


Fifth Third Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Fifth Third Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fifth Third Bancorp Cyclically Adjusted Book per Share Chart

Fifth Third Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.06 24.01 24.64 27.18 25.26

Fifth Third Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26.46 24.74 25.00 25.26 26.06

STU:FFH vs TFC, NU, HBAN: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Fifth Third Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fifth Third Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Fifth Third Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Fifth Third Bancorp's Cyclically Adjusted PB Ratio falls into.


STU:FFH
71GF Score
Fifth Third Bancorp STU:FFH
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fifth Third Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Fifth Third Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=30.485/330.2130*330.2130
=30.485

Current CPI (Mar. 2026) = 330.2130.

Fifth Third Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201606 17.879 241.018 24.496
201609 18.213 241.428 24.911
201612 18.789 241.432 25.698
201703 18.820 243.801 25.490
201706 18.174 244.955 24.500
201709 17.874 246.819 23.913
201712 18.109 246.524 24.257
201803 17.587 249.554 23.271
201806 18.809 251.989 24.648
201809 18.788 252.439 24.576
201812 20.280 251.233 26.655
201903 21.923 254.202 28.478
201906 23.161 256.143 29.859
201909 24.809 256.759 31.906
201912 24.671 256.974 31.702
202003 25.577 258.115 32.721
202006 25.641 257.797 32.844
202009 24.833 260.280 31.505
202012 24.213 260.474 30.696
202103 24.174 264.877 30.137
202106 24.544 271.696 29.830
202109 25.148 274.310 30.273
202112 26.045 278.802 30.848
202203 23.909 287.504 27.461
202206 23.237 296.311 25.896
202209 21.514 296.808 23.935
202212 21.012 296.797 23.378
202303 22.299 301.836 24.395
202306 21.274 305.109 23.024
202309 19.852 307.789 21.298
202312 22.963 306.746 24.720
202403 22.740 312.332 24.042
202406 23.348 314.175 24.540
202409 24.872 315.301 26.048
202412 24.991 315.605 26.148
202503 25.350 319.799 26.176
202506 24.681 322.561 25.266
202509 24.926 324.800 25.341
202512 25.772 324.054 26.262
202603 30.485 330.213 30.485

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €26.06 mean?
Fifth Third Bancorp (STU:FFH) has a Cyclically Adjusted Book per Share of €26.06 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Fifth Third Bancorp and its competitors.
Is Fifth Third Bancorp's Cyclically Adjusted Book per Share too high?
Fifth Third Bancorp's current Cyclically Adjusted Book per Share is €26.06. Overall, Fifth Third Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fifth Third Bancorp's Cyclically Adjusted Book per Share compare to TFC and NU?
Fifth Third Bancorp's Cyclically Adjusted Book per Share of €26.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Fifth Third Bancorp and its competitors. Fifth Third Bancorp's current Cyclically Adjusted Book per Share is €26.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fifth Third Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Fifth Third Bancorp (STU:FFH) is currently considered Modestly Overvalued. The stock's GF Value™ is €40.36, compared to a current price of €50.14 — trading 24.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is €26.06. Fifth Third Bancorp's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Fifth Third Bancorp (STU:FFH), the current Cyclically Adjusted Book per Share is €26.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fifth Third Bancorp (STU:FFH) Overvalued in 2026?

Based on GuruFocus' analysis, Fifth Third Bancorp stock appears to be overvalued. The current stock price of €50.14 is trading 24.2% above its estimated GF Value™ of €40.36. GuruFocus considers Fifth Third Bancorp to be Modestly Overvalued.

Key valuation signals for STU:FFH:

  • Cyclically Adjusted Book per Share: €26.06
  • GF Value™: €40.36 vs. price of €50.14 (24.2% above fair value)
  • GF Score™: 71/100 with 6 warning signs

No single metric tells the full story. See the STU:FFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fifth Third Bancorp Business Description

Address 38 Fountain Square Plaza, Cincinnati, OH, USA, 45263
Fifth Third Bancorp is a midsize regional bank in the US, with total assets of around $300 billion as of March 2026. The bank closed its acquisition of Comercia in February 2026. Headquartered in Cincinnati, Ohio, Fifth Third has a strong presence in the US Midwest and is currently expanding in the US Southeast. The bank provides a diversified set of financial services in retail banking, commercial banking, card and Treasury management, wealth and asset management, and capital markets.
71GF Score

Get the complete analysis for STU:FFH

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€50.14
Price
€40.36
GF Value