BBVA vs. FCNCA: Banco Bilbao Vizcaya Argentaria vs. First Citizens BancShares Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) 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.

First Citizens BancShares (FCNCA) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Banco Bilbao Vizcaya Argentaria (BBVA) trades around 1.56M shares per day on average, while First Citizens BancShares (FCNCA) sees only 68.57K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for BBVA.

Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% 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 Banco Bilbao Vizcaya Argentaria (BBVA) 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

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% and First Citizens BancShares (FCNCA) at -2.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% 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: Banco Bilbao Vizcaya Argentaria (BBVA) 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: Banco Bilbao Vizcaya Argentaria (BBVA) 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

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% offers top-quartile income, while First Citizens BancShares (FCNCA) at 0.36% sits in the bottom quartile — a wide gap in cash returned to shareholders.

First Citizens BancShares (FCNCA) at 4.31% retains more earnings than its industry usually does; Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% distributes an above-typical share — opposite departures from the band, with the risk sitting on BBVA’s side.

Dividend Metrics

Valuation

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 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 Banco Bilbao Vizcaya Argentaria (BBVA) 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.

First Citizens BancShares (FCNCA) at 1.29 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries an above-peer premium to book — BBVA is pricier on assets.

Valuation Metrics