FCNCA
First Citizens BancShares, Inc.
Banks - Regional
Market Cap$23.14B
5Y Perf.+417.2%
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Stock Comparison
FCNCA vs CFG
Revenue, margins, valuation, and 5-year total return — side by side.
CFG
Citizens Financial Group, Inc.
Banks - Regional
Market Cap$28.31B
5Y Perf.+172.3%
FCNCA vs CFG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FCNCA | CFG |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $23.14B | $28.31B |
| Revenue (TTM) | $14.50B | $12.35B |
| Net Income (TTM) | $2.21B | $1.70B |
| Gross Margin | 61.4% | 57.6% |
| Operating Margin | 20.5% | 15.3% |
| Forward P/E | 11.3x | 12.7x |
| Total Debt | $36.01B | $12.40B |
| Cash & Equiv. | $20.60B | $11.24B |
FCNCA vs CFG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FCNCA
CFG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| First Citizens Banc… (FCNCA) | 100 | 517.2 | +417.2% |
| Citizens Financial … (CFG) | 100 | 272.3 | +172.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FCNCA vs CFG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FCNCA leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Citizens Financial Group, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
FCNCA
First Citizens BancShares, Inc.
The Banking Pick
FCNCA carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 8 yrs, beta 1.00, yield 0.7%
- 7.1% 10Y total return vs CFG's 260.3%
- Lower volatility, beta 1.00, current ratio 1.03x
Best for: income & stability and long-term compounding
CFG
Citizens Financial Group, Inc.
The Banking Pick
CFG is the clearest fit if your priority is growth exposure.
- Rev growth 1.3%, EPS growth -3.2%
- 1.3% NII/revenue growth vs FCNCA's -3.0%
- +76.5% vs FCNCA's +12.5%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CFG | 1.3% NII/revenue growth vs FCNCA's -3.0% |
| Value | FCNCA | Lower P/E (11.3x vs 12.7x) |
| Quality / Margins | FCNCA | Efficiency ratio 0.4% vs CFG's 0.4% (lower = leaner) |
| Stability / Safety | FCNCA | Beta 1.00 vs CFG's 1.33 |
| Dividends | FCNCA | 0.7% yield, 8-year raise streak, vs CFG's 2.6% |
| Momentum (1Y) | CFG | +76.5% vs FCNCA's +12.5% |
| Efficiency (ROA) | FCNCA | Efficiency ratio 0.4% vs CFG's 0.4% |
FCNCA vs CFG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
FCNCA vs CFG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFCNCALAGGINGCFG
CFGCitizens Financial Gr…
2leads
FCNCAFirst Citizens BancSh…
2leads
6 Total Categories
CATEGORYLEADERvs CFGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FCNCA3/5
Valuation MetricsMultiples, price ratios, and targets
FCNCA6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CFG5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CFG4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
FCNCA leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FCNCA and CFG operate at a comparable scale, with $14.5B and $12.3B in trailing revenue. Profitability is closely matched — net margins range from 15.2% (FCNCA) to 12.2% (CFG).
| Metric | FCNCAFirst Citizens Ba… | CFGCitizens Financia… |
|---|---|---|
| RevenueTrailing 12 months | $14.5B | $12.3B |
| EBITDAEarnings before interest/tax | $3.4B | $2.6B |
| Net IncomeAfter-tax profit | $2.2B | $1.7B |
| Free Cash FlowCash after capex | $2.1B | $2.7B |
| Gross MarginGross profit ÷ Revenue | +61.4% | +57.6% |
| Operating MarginEBIT ÷ Revenue | +20.5% | +15.3% |
| Net MarginNet income ÷ Revenue | +15.2% | +12.2% |
| FCF MarginFCF ÷ Revenue | +14.3% | +15.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -6.9% | +38.2% |
FCNCA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
FCNCA leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 12.0x trailing earnings, FCNCA trades at a 45% valuation discount to CFG's 21.7x P/E. On an enterprise value basis, FCNCA's 11.3x EV/EBITDA is more attractive than CFG's 12.4x.
| Metric | FCNCAFirst Citizens Ba… | CFGCitizens Financia… |
|---|---|---|
| Market CapShares × price | $23.1B | $28.3B |
| Enterprise ValueMkt cap + debt − cash | $38.5B | $29.5B |
| Trailing P/EPrice ÷ TTM EPS | 12.01x | 21.66x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.25x | 12.66x |
| PEG RatioP/E ÷ EPS growth rate | 0.42x | — |
| EV / EBITDAEnterprise value multiple | 11.34x | 12.35x |
| Price / SalesMarket cap ÷ Revenue | 1.60x | 2.29x |
| Price / BookPrice ÷ Book value/share | 1.11x | 1.23x |
| Price / FCFMarket cap ÷ FCF | 11.17x | 15.07x |
FCNCA leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
CFG leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
FCNCA delivers a 9.9% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $7 for CFG. CFG carries lower financial leverage with a 0.51x debt-to-equity ratio, signaling a more conservative balance sheet compared to FCNCA's 1.62x. On the Piotroski fundamental quality scale (0–9), CFG scores 7/9 vs FCNCA's 6/9, reflecting strong financial health.
| Metric | FCNCAFirst Citizens Ba… | CFGCitizens Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +9.9% | +6.6% |
| ROA (TTM)Return on assets | +1.0% | +0.8% |
| ROICReturn on invested capital | +3.8% | +3.8% |
| ROCEReturn on capital employed | +4.4% | +4.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 1.62x | 0.51x |
| Net DebtTotal debt minus cash | $15.4B | $1.2B |
| Cash & Equiv.Liquid assets | $20.6B | $11.2B |
| Total DebtShort + long-term debt | $36.0B | $12.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.60x | 0.55x |
CFG leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CFG leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FCNCA five years ago would be worth $23,913 today (with dividends reinvested), compared to $15,060 for CFG. Over the past 12 months, CFG leads with a +76.5% total return vs FCNCA's +12.5%. The 3-year compound annual growth rate (CAGR) favors CFG at 40.1% vs FCNCA's 22.6% — a key indicator of consistent wealth creation.
| Metric | FCNCAFirst Citizens Ba… | CFGCitizens Financia… |
|---|---|---|
| YTD ReturnYear-to-date | -7.7% | +12.0% |
| 1-Year ReturnPast 12 months | +12.5% | +76.5% |
| 3-Year ReturnCumulative with dividends | +84.5% | +174.8% |
| 5-Year ReturnCumulative with dividends | +139.1% | +50.6% |
| 10-Year ReturnCumulative with dividends | +705.4% | +260.3% |
| CAGR (3Y)Annualised 3-year return | +22.6% | +40.1% |
CFG leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FCNCA and CFG each lead in 1 of 2 comparable metrics.
Risk & Volatility
FCNCA is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than CFG's 1.33 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CFG currently trades 95.4% from its 52-week high vs FCNCA's 89.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FCNCAFirst Citizens Ba… | CFGCitizens Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 1.33x |
| 52-Week HighHighest price in past year | $2232.21 | $68.79 |
| 52-Week LowLowest price in past year | $1623.76 | $37.93 |
| % of 52W HighCurrent price vs 52-week peak | +89.2% | +95.4% |
| RSI (14)Momentum oscillator 0–100 | 55.2 | 54.7 |
| Avg Volume (50D)Average daily shares traded | 88K | 4.6M |
Evenly matched — FCNCA and CFG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — FCNCA and CFG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FCNCA as "Hold" and CFG as "Buy". Consensus price targets imply 12.2% upside for FCNCA (target: $2234) vs 10.4% for CFG (target: $72). For income investors, CFG offers the higher dividend yield at 2.58% vs FCNCA's 0.65%.
| Metric | FCNCAFirst Citizens Ba… | CFGCitizens Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $2234.20 | $72.42 |
| # AnalystsCovering analysts | 11 | 38 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +2.6% |
| Dividend StreakConsecutive years of raises | 8 | 3 |
| Dividend / ShareAnnual DPS | $13.02 | $1.70 |
| Buyback YieldShare repurchases ÷ mkt cap | +13.1% | +4.8% |
Evenly matched — FCNCA and CFG each lead in 1 of 2 comparable metrics.
Key Takeaway
FCNCA leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). CFG leads in 2 (Profitability & Efficiency, Total Returns). 2 tied.
Best OverallFirst Citizens BancShares, … (FCNCA)Leads 2 of 6 categories
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FCNCA vs CFG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FCNCA or CFG a better buy right now?
For growth investors, Citizens Financial Group, Inc.
(CFG) is the stronger pick with 1. 3% revenue growth year-over-year, versus -3. 0% for First Citizens BancShares, Inc. (FCNCA). First Citizens BancShares, Inc. (FCNCA) offers the better valuation at 12. 0x trailing P/E (11. 3x forward), making it the more compelling value choice. Analysts rate Citizens Financial Group, Inc. (CFG) a "Buy" — based on 38 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FCNCA or CFG?
On trailing P/E, First Citizens BancShares, Inc.
(FCNCA) is the cheapest at 12. 0x versus Citizens Financial Group, Inc. at 21. 7x. On forward P/E, First Citizens BancShares, Inc. is actually cheaper at 11. 3x.
03Which is the better long-term investment — FCNCA or CFG?
Over the past 5 years, First Citizens BancShares, Inc.
(FCNCA) delivered a total return of +139. 1%, compared to +50. 6% for Citizens Financial Group, Inc. (CFG). Over 10 years, the gap is even starker: FCNCA returned +705. 4% versus CFG's +260. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FCNCA or CFG?
By beta (market sensitivity over 5 years), First Citizens BancShares, Inc.
(FCNCA) is the lower-risk stock at 1. 00β versus Citizens Financial Group, Inc. 's 1. 33β — meaning CFG is approximately 33% more volatile than FCNCA relative to the S&P 500. On balance sheet safety, Citizens Financial Group, Inc. (CFG) carries a lower debt/equity ratio of 51% versus 162% for First Citizens BancShares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FCNCA or CFG?
By revenue growth (latest reported year), Citizens Financial Group, Inc.
(CFG) is pulling ahead at 1. 3% versus -3. 0% for First Citizens BancShares, Inc. (FCNCA). On earnings-per-share growth, the picture is similar: Citizens Financial Group, Inc. grew EPS -3. 2% year-over-year, compared to -12. 5% for First Citizens BancShares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FCNCA or CFG?
First Citizens BancShares, Inc.
(FCNCA) is the more profitable company, earning 15. 2% net margin versus 12. 2% for Citizens Financial Group, Inc. — meaning it keeps 15. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FCNCA leads at 20. 5% versus 15. 3% for CFG. At the gross margin level — before operating expenses — FCNCA leads at 61. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FCNCA or CFG more undervalued right now?
On forward earnings alone, First Citizens BancShares, Inc.
(FCNCA) trades at 11. 3x forward P/E versus 12. 7x for Citizens Financial Group, Inc. — 1. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FCNCA: 12. 2% to $2234. 20.
08Which pays a better dividend — FCNCA or CFG?
All stocks in this comparison pay dividends.
Citizens Financial Group, Inc. (CFG) offers the highest yield at 2. 6%, versus 0. 7% for First Citizens BancShares, Inc. (FCNCA).
09Is FCNCA or CFG better for a retirement portfolio?
For long-horizon retirement investors, First Citizens BancShares, Inc.
(FCNCA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 0. 7% yield, +705. 4% 10Y return). Both have compounded well over 10 years (FCNCA: +705. 4%, CFG: +260. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FCNCA and CFG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: FCNCA is a mid-cap deep-value stock; CFG is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(FCNCA: -3.0% · CFG: 1.3%)Net Margin>
%
(FCNCA: 15.2% · CFG: 12.2%)P/E Ratio<
x
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