BMO vs. FCNCA: Bank of Montreal vs. First Citizens BancShares Stock Comparison

Company Profile

Bank of Montreal (BMO) 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of Montreal (BMO) at 10.57% 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.

Both Bank of Montreal (BMO) at 25.66% and First Citizens BancShares (FCNCA) at 25.21% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) 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 Montreal (BMO) at 12.67% 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 Montreal (BMO) at 20.29% 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 Montreal (BMO) 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 Montreal (BMO) 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 Montreal (BMO) at 3.87% 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; Bank of Montreal (BMO) at 54.44% distributes an above-typical share — opposite departures from the band, with the risk sitting on BMO’s side.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.

P/S ratio is set aside for both Bank of Montreal (BMO) 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 Bank of Montreal (BMO) at 1.97 carries an above-peer premium to book — BMO is pricier on assets.

Valuation Metrics