Based on the aggregated intelligence of 130,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, regional bank Fifth Third Bancorp (NASDAQ:FITB) has received a distressing two-star ranking.

With that in mind, let's take a closer look at Fifth Third's business and see what CAPS investors are saying about the stock right now.

Fifth Third facts

Headquarters (founded)

Cincinnati, Ohio (1862)

Market Cap

$4.04 billion

Industry

Regional Banks

Trailing-12-Month (TTM) Revenue

$1.38 billion

Management

CEO Kevin Kabat (since 2007)
CFO Ross Kari (since 2008)

Return on Equity (average, last five years and TTM)

6.8% and (21.9%)

4-Month Price Change

484%

Competitors

US Bancorp (NYSE:USB), PNC Financial (NYSE:PNC)

CAPS members bearish on FITB also bearish on

Bank of America (NYSE:BAC), General Motors (NYSE:GM)

CAPS members bullish on FITB also bullish on

Citigroup (NYSE:C), General Electric (NYSE:GE)

Sources: Capital IQ, a division of Standard & Poor's, and Motley Fool CAPS.

Over on CAPS, 386 of the 886 members who have rated Fifth Third -- some 43.5% -- believe the stock will underperform the S&P 500 going forward. Among the entire bearish population are TWreckz and jdlech.

Three weeks ago, TWreckz brought Fifth Third's popping price to our community's attention:

Looking for a correction to the recent rally. I believe that the "better than expected" answer for financial data will stop working, and people will realize how bad some of these financial institutions really are.

In a pitch from the same day, jdlech echoes that bearish sentiment:

They need to come up with over a billion dollars to satisfy the FED. To me, that seems to be cause for shareholder dilution - which to me seems like a bad thing. But the stock market disagrees with this thought - as evidenced by their incredible 58% rise on May 8.

They're heavily invested in Michigan and Ohio. That puts them at ground zero for all the automotive layoffs. I don't know the exact number, but every assembly line job supports a number of other jobs for first and second tier suppliers.

Detroit has been hit exceptionally hard by this recession and it will continue to get worse as the auto industry shakedown continues … It's no wonder 5th 3rd is leading the pack in refinancing - they would end up sitting on a huge number of homes in Michigan and Ohio if they did not.

What do you think about Fifth Third, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. More than 130,000 investors are waiting to hear what you have to say. CAPS is 100% free, so simply click here to get started.

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. The Fool's disclosure policy always gets a perfect score.