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 (+30.67% vs +25.84%), though RF has the better forward P/E setup (10.88x vs 11.60x for FITB). On fundamentals, FITB is growing revenue faster (33.00%), while RF maintains the higher operating margin (40.07%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for FITB (+6.54%) than for RF (+2.26%).
- →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 | 54.0 | 49.2 |
| AI rank | #317 | #555 |
| Latest close | $57.18 | $31.07 |
| 1M return | +4.48% | +6.15% |
| 6M return | +16.05% | +8.94% |
| 1Y return | +30.67% | +25.84% |
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 | $13.07K (+30.7%) started 2025-07-14 | $12.58K (+25.8%) started 2025-07-14 |
| 5Y ago | $20.63K (+106.3%) started 2021-07-14 | $21.94K (+119.4%) started 2021-07-14 |
| 10Y ago | $60.24K (+502.4%) started 2016-07-14 | $67.18K (+571.8%) started 2016-07-14 |
Hypothetical — past performance does not guarantee future results.
| Metric | FITB | RF |
|---|---|---|
| Market cap | $51.72B | $26.47B |
| Trailing P/E | 19.22 | 12.87 |
| Forward P/E | 11.60 | 10.88 |
| Price/Sales | N/A | N/A |
| EV/Revenue | 7.60 | 4.29 |
| Analyst target | $60.80 | $31.72 |
| Target upside | +6.54% | +2.26% |
| Metric | FITB | RF |
|---|---|---|
| Revenue growth | 33.00% | 7.30% |
| Earnings growth | -78.90% | 21.60% |
| EPS growth | -78.90% | +21.60% |
| FCF margin | N/A | N/A |
| Operating margin | 7.95% | 40.07% |
| Profit margin | 24.13% | 31.00% |
| ROIC proxy | 7.97% | 11.89% |
| Return on equity | 7.97% | 11.89% |
| Dividend yield | 2.83% | 3.47% |
| 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 | +30.70% | +25.79% |
| CAGR | +30.84% | +25.91% | |
| Sharpe ratio | 0.99 | 0.87 | |
| Max drawdown | 21.21% | 19.22% | |
| Max daily drop | 5.96% | 5.62% | |
| Max wkly drop | 10.47% | 8.72% | |
| 5Y | Growth | +76.82% | +85.92% |
| CAGR | +12.08% | +13.21% | |
| Sharpe ratio | 0.38 | 0.41 | |
| Max drawdown | 51.68% | 40.99% | |
| Max daily drop | 13.57% | 12.38% | |
| Max wkly drop | 27.41% | 18.38% | |
| 10Y | Growth | +321.58% | +367.27% |
| CAGR | +15.48% | +16.67% | |
| Sharpe ratio | 0.46 | 0.49 | |
| 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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