FITB vs. MTB: Fifth Third Bancorp vs. M&T Bank Stock Comparison
How do Fifth Third Bancorp (FITB) and M&T Bank (MTB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Fifth Third Bancorp (FITB) and M&T Bank (MTB) both belong to the Banks industry, though FITB is classified under Diversified Banks while MTB falls under Regional Banks.
| Profile Item | FITB | MTB |
|---|---|---|
| Name | Fifth Third Bancorp | M&T Bank Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 47.93 billion USD | 31.23 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | March 17, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FITB | MTB |
|---|---|---|
| Total Return (1Y) | 31.61% | 24.05% |
| Total Return (3Y, Annualized) | 34.78% | 27.97% |
| Total Return (5Y, Annualized) | 8.38% | 11.15% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FITB | MTB |
|---|---|---|
| Volatility (1Y, Annualized) | 25.76% | 21.48% |
| Beta (5Y) | 0.96 | 0.63 |
| Max Drawdown (5Y) | -51.68% | -40.71% |
| Avg. Volume (3M) | 6.30M | 979.16K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FITB | MTB |
|---|---|---|
| Sharpe Ratio (1Y) | 1.06 | 0.92 |
| Sortino Ratio (1Y) | 1.58 | 1.36 |
Profitability
ROE (TTM)
M&T Bank (MTB) at 10.60% is around its peer norm for ROE, while Fifth Third Bancorp (FITB) at 9.42% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
FITB
Banks industry group
9.42%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FITB
- 9.42%
- Min
- 3.64%
MTB
Banks industry group
10.60%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- MTB
- 10.60%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
M&T Bank (MTB) at 31.87% keeps about the industry-typical share of revenue as profit, while Fifth Third Bancorp (FITB) at 22.97% retains only a bottom-quartile share.
FITB
Banks industry group
22.97%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FITB
- 22.97%
- Min
- 14.93%
MTB
Banks industry group
31.87%
- Max
- 47.19%
- Q3
- 35.25%
- MTB
- 31.87%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Fifth Third Bancorp (FITB) in Banks and M&T Bank (MTB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | FITB | MTB |
|---|---|---|
| ROE (TTM) | 9.42% | 10.60% |
| ROA (TTM) | 1.00% | 1.40% |
| Net Margin (TTM) | 22.97% | 31.87% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Fifth Third Bancorp (FITB) at 6.61% is around its peer norm for revenue growth, while M&T Bank (MTB) at 4.34% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Both Fifth Third Bancorp (FITB) at 12.42% and M&T Bank (MTB) at 16.12% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | FITB | MTB |
|---|---|---|
| Revenue Growth (YoY) | 6.61% | 4.34% |
| Revenue Growth (3Y CAGR) | 2.87% | 6.33% |
| EPS Growth (YoY) | 12.42% | 16.12% |
| EPS Growth (3Y CAGR) | 1.76% | 13.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Fifth Third Bancorp (FITB) in Banks and M&T Bank (MTB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Fifth Third Bancorp (FITB) in Banks and M&T Bank (MTB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | FITB | MTB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Fifth Third Bancorp (FITB) at 3.03% and M&T Bank (MTB) at 2.73% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
FITB
Banks industry group
3.03%
- Max
- 5.79%
- Q3
- 3.18%
- FITB
- 3.03%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
MTB
Banks industry group
2.73%
- Max
- 5.79%
- Q3
- 3.18%
- MTB
- 2.73%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
M&T Bank (MTB) at 31.35% pays out a band-typical share of earnings, while Fifth Third Bancorp (FITB) at 54.36% distributes more than its industry norm — less retained, thinner cover.
FITB
Banks industry group
54.36%
- Max
- 70.75%
- FITB
- 54.36%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
MTB
Banks industry group
31.35%
- Max
- 70.75%
- Q3
- 41.28%
- MTB
- 31.35%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | FITB | MTB |
|---|---|---|
| Dividend Yield (TTM) | 3.03% | 2.73% |
| Dividend Payout Ratio (TTM) | 54.36% | 31.35% |
Valuation
P/E Ratio (TTM)
M&T Bank (MTB) at 11.38 is near its industry’s usual P/E ratio, while Fifth Third Bancorp (FITB) at 17.80 sits in the richer quartile — FITB needs stronger growth or earnings quality to justify the premium.
FITB
Banks industry group
17.80
- Max
- 18.16
- FITB
- 17.80
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
MTB
Banks industry group
11.38
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- MTB
- 11.38
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Fifth Third Bancorp (FITB) in Banks and M&T Bank (MTB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
On P/B ratio, both Fifth Third Bancorp (FITB) at 1.55 and M&T Bank (MTB) at 1.24 are valued close to their industries’ norm against book — neither stands out from peers.
FITB
Banks industry group
1.55
- Max
- 2.28
- Q3
- 1.58
- FITB
- 1.55
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
MTB
Banks industry group
1.24
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- MTB
- 1.24
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | FITB | MTB |
|---|---|---|
| P/E Ratio (TTM) | 17.80 | 11.38 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.55 | 1.24 |
| Free Cash Flow Yield (TTM) | -- | -- |