Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Fifth Third BancorpFITB +0.23%69 Piotroski F-Score is 6 as of Aug. 09, 2026, which is at its 10-year median of 6.00. GuruFocus rates FITB with a GF Score™ of 69/100 and a GF Value™ of $46.40 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,496 Banks companies, Fifth Third Bancorp ranks better than 59.49% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Fifth Third Bancorp has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Fifth Third Bancorp's Piotroski F-Score or its related term are showing as below:
FITB'
s Piotroski F-Score Range Over the Past 10 Years
Min: 4 Med: 6 Max: 9
Current: 6
During the past 13 years, the highest Piotroski F-Score of Fifth Third Bancorp was 9. The lowest was 4. And the median was 6.
Fifth Third Bancorp (NYSE:FITB) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Fifth Third Bancorp Piotroski F-Score Related Terms
Fifth Third Bancorp Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Fifth Third Bancorp's Piotroski F-Score 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.
FITB vs TFC, MTB, NU: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Fifth Third Bancorp's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Fifth Third Bancorp's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Fifth Third Bancorp's Piotroski F-Score falls into.
* 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.
Net Income was 573 + 620 + 515 + 628 = $2,336 Mil.
Revenue was 2110 + 2028 + 2110 + 2223 = $8,471 Mil.
Average Total Assets from the begining of last year (Jun24)
to the end of last year (Jun25) was
(213262 + 214318 + 212927 + 212669 + 209991) / 5 = $212633.4 Mil. Total Assets at the begining of last year (Jun24) was $213,262 Mil. Long-Term Debt & Capital Lease Obligation was $14,492 Mil. Total Assets was $209,991 Mil. Total Liabilities was $188,867 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Fifth Third Bancorp's current Net Income (TTM) was 2,346.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Fifth Third Bancorp's return on assets of this year was 0.01117191. Fifth Third Bancorp's return on assets of last year was 0.01095366.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Fifth Third Bancorp's gearing of this year was 0.07143037. Fifth Third Bancorp's gearing of last year was 0.06815486.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Fifth Third Bancorp's current ratio of this year was 1.12977892. Fifth Third Bancorp's current ratio of last year was 1.1118459.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Fifth Third Bancorp's number of shares in issue this year was 915.959. Fifth Third Bancorp's number of shares in issue last year was 674.034.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Fifth Third Bancorp's net margin of this year was 0.22364156. Fifth Third Bancorp's net margin of last year was 0.27576437.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Fifth Third Bancorp's asset turnover of this year was 0.04995452. Fifth Third Bancorp's asset turnover of last year was 0.03972109.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
1
+
1
+
0
+
1
+
0
+
0
+
1
=
6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Fifth Third Bancorp has an F-score of 6 indicating the company's financial situation is typical for a stable company.
Fifth Third Bancorp (FITB) has a Piotroski F-Score of 6 as of Aug. 09, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Fifth Third Bancorp and its competitors. This is near median its historical median of 6.00. Over the past decade, Fifth Third Bancorp's Piotroski F-Score has ranged from 4.00 to 9.00. According to the industry distribution chart, Fifth Third Bancorp ranks #606 out of 1496 companies in the Banks industry, placing it in the top 40.5%.
Is Fifth Third Bancorp's Piotroski F-Score too high?
Fifth Third Bancorp's current Piotroski F-Score of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Fifth Third Bancorp's value of 6 is 0% at this industry median. Based on the distribution chart, Fifth Third Bancorp ranks #606 out of 1496 companies in the Banks industry, which is above the industry midpoint. Overall, Fifth Third Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fifth Third Bancorp's Piotroski F-Score compare to TFC and MTB?
According to the Banks industry distribution chart, Fifth Third Bancorp ranks #606 out of 1496 companies for Piotroski F-Score. This puts Fifth Third Bancorp in the upper half of its industry. The industry median Piotroski F-Score is 6.00. Fifth Third Bancorp's value of 6 is 0% at this benchmark. Historically, Fifth Third Bancorp's own Piotroski F-Score has ranged from 4.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Fifth Third Bancorp has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fifth Third Bancorp's current Piotroski F-Score of 6 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Fifth Third Bancorp and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fifth Third Bancorp's current Piotroski F-Score is 6, which is near median its own 10-year median of 6.00. 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 (FITB) is currently considered Modestly Overvalued. The stock's GF Value™ is $46.40, compared to a current price of $57.09 — trading 23% above its estimated fair value. The current Piotroski F-Score is 6, which is near median its 10-year median of 6.00 and 0% at the Banks industry median of 6.00. Fifth Third Bancorp's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Fifth Third Bancorp (FITB), the current Piotroski F-Score is 6 as of Aug. 09, 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 (FITB) Overvalued in 2026?
Based on GuruFocus' analysis, Fifth Third Bancorp stock appears to be overvalued.
The current stock price of $57.09 is trading 23% above its estimated GF Value™ of $46.40.
GuruFocus considers Fifth Third Bancorp to be Modestly Overvalued.
Key valuation signals for FITB:
Piotroski F-Score: 6 (near median its 10-year median of 6.00)
GF Value™: $46.40 vs. price of $57.09 (23% above fair value)
Industry Position: 0% at the Banks median (#606 of 1496)
No single metric tells the full story. See the FITB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
69GF Score
Get the complete analysis for FITB
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FITB has been successfully added to your 
