Is FITB or FITBO more undervalued in 2026?

CirclFi compares Fifth Third Bancorp (FITB) and Fifth Third Bancorp - Depositar (FITBO) using 13 institutional-grade valuation models. FITB has a Quality of Company score of 8.3/10 while FITBO scores 8.2/10.

Which is a better buy — FITB or FITBO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FITB and FITBO valuations compare?

FITB at $49.88 and FITBO at $18.69 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FITB vs FITBO Valuation Comparison 2026 — Intrinsic Value Analysis

FITB

Banks - Regional

Fifth Third Bancorp

Quality

8.3

out of 10

Value Trap

SAFE

Price

$49.88

Last close

Models

11/13

Active

FITBO

Banks - Regional

Fifth Third Bancorp - Depositar

Quality

8.2

out of 10

Value Trap

SAFE

Price

$18.69

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	FITB Fair Value	FITB Upside	FITBO Fair Value	FITBO Upside
Bayesian DCF	Intrinsic	$17.51	-64.9%	$5.32	-71.5%
Earnings Power Value	Intrinsic	$8.34	-83.3%	$9.48	-49.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for FITB vs FITBO — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

FITB vs FITBO — Which Stock Is More Undervalued?

FITB scores higher with a 8.3/10 quality rating vs FITBO's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Fifth Third Bancorp (FITB) and Fifth Third Bancorp - Depositar (FITBO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FITB currently trades at $49.88 with a QOC of 8.3/10, while FITBO trades at $18.69 with a QOC of 8.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).