FITB vs RF: Fifth Third vs Regions Financial Stock Comparison: AI Score, Valuation, Performance and Upside
Fifth Third has a stronger payments and fee income mix in the Midwest while Regions benefits from Southeast geographic tailwinds. Both are well-run regional banks offering dividend income at similar P/TBV multiples.
FITB vs RF is Midwest commercial banking and payments versus Southeast consumer banking growth — Fifth Third wins on fee income quality; Regions wins on geographic growth tailwinds.
FITB holds the edge across 3 of 5 key metrics in this comparison. FITB has delivered stronger 1-year price return (+19.61% vs +10.98%), though RF has the better forward P/E setup (10.70x vs 11.10x for FITB). On fundamentals, FITB is growing revenue faster (51.80%), while RF maintains the higher operating margin (39.31%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for FITB (+14.74%) than for RF (+8.29%).
- prefer a more diversified fee income mix through payments and wealth management
- want a Midwest commercial banking franchise with 11-state geographic spread
- value consistent dividend payments and disciplined capital management
- want Sun Belt geographic exposure from Southeast population and economic growth
- prefer Regions' conservative credit culture and consumer banking focus
- value consistent dividend income with lower commercial real estate office risk
| Metric | FITB | RF |
|---|---|---|
| AI score | 54.6 | 51.2 |
| AI rank | #255 | #385 |
| Latest close | $54.54 | $30.33 |
| 1M return | -3.59% | -1.97% |
| 6M return | +10.25% | +8.98% |
| 1Y return | +19.61% | +10.98% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FITB | RF |
|---|---|---|
| 1Y ago | $11.92K (+19.2%) started 2025-08-29 | $11.07K (+10.7%) started 2025-08-29 |
| 5Y ago | $19.04K (+90.4%) started 2021-08-30 | $20.54K (+105.4%) started 2021-08-30 |
| 10Y ago | $53.48K (+434.8%) started 2016-08-29 | $60.39K (+503.9%) started 2016-08-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | FITB | RF |
|---|---|---|
| Market cap | $49.72B | $25.91B |
| Trailing P/E | 18.46 | 12.36 |
| Forward P/E | 11.10 | 10.70 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 6.75 | 4.40 |
| Analyst target | $62.90 | $32.93 |
| Target upside | +14.74% | +8.29% |
| Metric | FITB | RF |
|---|---|---|
| Revenue growth | 51.80% | 3.40% |
| Earnings growth | -5.70% | 8.50% |
| EPS growth | -5.70% | +8.50% |
| FCF margin | N/A | N/A |
| Operating margin | 39.08% | 39.31% |
| Profit margin | 23.24% | 30.84% |
| ROIC proxy | 8.44% | 11.87% |
| Return on equity | 8.44% | 11.87% |
| Dividend yield | 2.92% | 3.60% |
| Beta | 0.92 | 1.01 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | FITB | RF |
|---|---|---|---|
| 1Y | Growth | +19.16% | +10.73% |
| CAGR | +19.23% | +10.77% | |
| Sharpe ratio | 0.64 | 0.36 | |
| Max drawdown | 21.21% | 19.22% | |
| Max daily drop | 5.96% | 5.62% | |
| Max wkly drop | 10.47% | 8.72% | |
| 5Y | Growth | +63.20% | +74.00% |
| CAGR | +10.30% | +11.72% | |
| Sharpe ratio | 0.33 | 0.37 | |
| Max drawdown | 51.68% | 40.99% | |
| Max daily drop | 13.57% | 12.38% | |
| Max wkly drop | 27.41% | 18.38% | |
| 10Y | Growth | +274.31% | +320.06% |
| CAGR | +14.11% | +15.44% | |
| Sharpe ratio | 0.42 | 0.46 | |
| Max drawdown | 64.06% | 60.73% | |
| Max daily drop | 21.78% | 19.34% | |
| Max wkly drop | 33.92% | 31.50% |
| Category | FITB | RF |
|---|---|---|
| Company | Fifth Third Bancorp | Regions Financial Corporation |
| Sector | Financial Services | Financial Services |
| Industry | N/A | N/A |
| Core business | Midwest regional bank with consumer, commercial, and payment services across 11 states. | Southeast-focused regional bank serving consumers and businesses across 15 states with strong Sun Belt presence. |
| Investor focus | NIM, fee revenue from payments and wealth, commercial lending quality, and capital returns. | Southeast loan and deposit growth, NIM, expense discipline, and capital return trajectory. |
- Payments and treasury management generate differentiated fee income
- Strong commercial banking franchise across 11 Midwest states
- Consistent dividend payer with disciplined capital management
- Southeast market exposure benefits from population migration and economic growth tailwinds
- Conservative credit culture with disciplined consumer and commercial underwriting
- Solid dividend yield with consistent capital return to shareholders
- NIM sensitivity to rate changes can compress earnings
- Commercial real estate exposure in maturing Midwest markets
- Geographic concentration limits Sun Belt growth exposure
- Consumer credit quality in higher-rate environment as mortgage and auto borrowers face stress
- Fee income mix is less diversified than Fifth Third's payments business
- Mortgage banking revenue is suppressed in a high-rate environment
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