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 (+17.31% vs +10.39%), though RF has the better forward P/E setup (10.67x vs 11.04x 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 (+15.33%) than for RF (+8.61%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- 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 scorei | 55.0 | 51.7 |
| AI ranki | #237 | #373 |
| Latest closei | $50.35 | $27.31 |
| 1M returni | -7.90% | -7.99% |
| 3M returni | -15.19% | -15.71% |
| 6M returni | +1.68% | -2.18% |
| 1Y returni | +17.31% | +10.39% |
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 | $12.48K (+24.8%) started 2025-10-16 | $11.7K (+17.0%) started 2025-10-16 |
| 5Y ago | $15.19K (+51.9%) started 2021-10-18 | $16.36K (+63.6%) started 2021-10-18 |
| 10Y ago | $49.22K (+392.2%) started 2016-10-17 | $52.74K (+427.4%) started 2016-10-17 |
Hypothetical — past performance does not guarantee future results.
| Metric | FITB | RF |
|---|---|---|
| Market capi | $49.46B | $25.84B |
| Trailing P/Ei | 18.36 | 12.33 |
| Forward P/Ei | 11.04 | 10.67 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 6.72 | 4.39 |
| Analyst targeti | $62.90 | $32.94 |
| Target upsidei | +15.33% | +8.61% |
| Metric | FITB | RF |
|---|---|---|
| Revenue growthi | 51.80% | 3.40% |
| Earnings growthi | -5.70% | 8.50% |
| EPS growthi | -5.70% | +8.50% |
| FCF margini | N/A | N/A |
| Operating margini | 39.08% | 39.31% |
| Profit margini | 23.24% | 30.84% |
| ROIC proxyi | 8.44% | 11.87% |
| Return on equityi | 8.44% | 11.87% |
| Dividend yieldi | 2.93% | 3.61% |
| Payout ratioi | 53.87% | 43.27% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.92 | 1.01 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, FITB and RF have moved strongly in the same direction (correlation of 0.88), based on daily returns.
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 | Growthi | +24.75% | +16.96% |
| CAGRi | +24.80% | +16.99% | |
| Volatilityi | 25.02% | 23.10% | |
| Sharpe ratioi | 0.83 | 0.60 | |
| Sortino ratioi | 1.21 | 0.85 | |
| Max drawdowni | 21.21% | 19.22% | |
| Current drawdowni | 15.19% | 15.71% | |
| Avg drawdowni | 6.34% | 6.55% | |
| Ulcer Indexi | 8.51% | 8.67% | |
| Max daily dropi | 5.43% | 5.21% | |
| Max wkly dropi | 10.47% | 8.72% | |
| 5Y | Growthi | +31.21% | +40.00% |
| CAGRi | +5.59% | +6.97% | |
| Volatilityi | 31.39% | 30.92% | |
| Sharpe ratioi | 0.19 | 0.23 | |
| Sortino ratioi | 0.27 | 0.32 | |
| Max drawdowni | 51.68% | 40.99% | |
| Current drawdowni | 15.19% | 15.71% | |
| Avg drawdowni | 19.55% | 13.03% | |
| Ulcer Indexi | 24.20% | 15.78% | |
| Max daily dropi | 13.57% | 12.38% | |
| Max wkly dropi | 27.41% | 18.38% | |
| 10Y | Growthi | +247.42% | +270.12% |
| CAGRi | +13.27% | +13.99% | |
| Volatilityi | 36.11% | 35.64% | |
| Sharpe ratioi | 0.40 | 0.42 | |
| Sortino ratioi | 0.58 | 0.60 | |
| Max drawdowni | 64.06% | 60.73% | |
| Current drawdowni | 15.19% | 15.71% | |
| Avg drawdowni | 16.67% | 13.90% | |
| Ulcer Indexi | 21.57% | 17.86% | |
| Max daily dropi | 21.78% | 19.34% | |
| Max wkly dropi | 33.92% | 31.50% |
| Category | FITB | RF |
|---|---|---|
| Company | Fifth Third Bancorp | Regions Financial Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| 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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