BAC vs. FCNCA: Bank of America vs. First Citizens BancShares Stock Comparison

Company Profile

Bank of America (BAC) and First Citizens BancShares (FCNCA) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Bank of America (BAC) is heavily traded at around 37.08M shares per day, whereas First Citizens BancShares (FCNCA) is thinly traded at only 68.57K — larger orders in the latter may face more price impact or wider spreads, depending on market conditions.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of America (BAC) at 10.73% and First Citizens BancShares (FCNCA) at 10.98% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Bank of America (BAC) at 28.06% keeps about the industry-typical share of revenue as profit, while First Citizens BancShares (FCNCA) at 25.21% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and First Citizens BancShares (FCNCA) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Bank of America (BAC) at 6.84% is around its peer norm for revenue growth, while First Citizens BancShares (FCNCA) at -2.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Bank of America (BAC) at 18.69% is around its peer norm for EPS growth, while First Citizens BancShares (FCNCA) at -12.76% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and First Citizens BancShares (FCNCA) 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-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and First Citizens BancShares (FCNCA) 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

Dividends

Bank of America (BAC) at 2.33% pays a yield in its industry’s typical range, while First Citizens BancShares (FCNCA) at 0.36% falls in the bottom quartile of its peers.

Bank of America (BAC) at 27.62% keeps its payout within the industry’s typical band; First Citizens BancShares (FCNCA) at 4.31% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

Both Bank of America (BAC) at 11.79 and First Citizens BancShares (FCNCA) at 11.68 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Bank of America (BAC) in Banks and First Citizens BancShares (FCNCA) 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.

On P/B ratio, both Bank of America (BAC) at 1.26 and First Citizens BancShares (FCNCA) at 1.29 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics