Fifth Third Bancorp (STU:FFH) Scaled Net Operating Assets: -0.06 (As of Mar. 2026)


STU:FFH Fifth Third Bancorp STU:FFH
68 GF Score
Price €48.73
GF Value €40.24
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Fifth Third Bancorp Scaled Net Operating Assets?

Fifth Third Bancorp STU:FFH -4.24% 68 Scaled Net Operating Assets is -0.06 as of Mar. 2026. GuruFocus rates STU:FFH with a GF Score™ of 68/100 and a GF Value™ of €40.24 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Fifth Third Bancorp's operating assets for the quarter that ended in Mar. 2026 was €198,801 Mil. Fifth Third Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was €210,530 Mil. Fifth Third Bancorp's Total Assets for the quarter that ended in Dec. 2025 was €183,077 Mil. Therefore, Fifth Third Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

STU:FFH
68GF Score
Fifth Third Bancorp STU:FFH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Fifth Third Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Fifth Third Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(180088.958-152603.822)/203345.285
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=183077.104 - 2988.146
=180088.958

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=164524.808 - 11605.006 - 315.98
=152603.822

Fifth Third Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(198801.22-210529.755)/183077.104
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=256938.735 - 58137.515
=198801.22

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=227437.045 - 16221.345 - 685.945
=210529.755

* 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.

What does a Scaled Net Operating Assets of -0.06 mean?
Fifth Third Bancorp (STU:FFH) has a Scaled Net Operating Assets of -0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Fifth Third Bancorp and its competitors.
Is Fifth Third Bancorp's Scaled Net Operating Assets too high?
Fifth Third Bancorp's current Scaled Net Operating Assets is -0.06. Overall, Fifth Third Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fifth Third Bancorp's Scaled Net Operating Assets compare to TFC and NU?
Fifth Third Bancorp's Scaled Net Operating Assets of -0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Fifth Third Bancorp and its competitors. Fifth Third Bancorp's current Scaled Net Operating Assets is -0.06. 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 €40.24, compared to a current price of €48.73 — trading 21.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.06. Fifth Third Bancorp's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Fifth Third Bancorp (STU:FFH), the current Scaled Net Operating Assets is -0.06 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 €48.73 is trading 21.1% above its estimated GF Value™ of €40.24. GuruFocus considers Fifth Third Bancorp to be Modestly Overvalued.

Key valuation signals for STU:FFH:

  • Scaled Net Operating Assets: -0.06
  • GF Value™: €40.24 vs. price of €48.73 (21.1% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€48.73
Price
€40.24
GF Value