CHYM vs. FCNCA: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CHYM and FCNCA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CHYM | FCNCA |
|---|---|---|
| Company Name | Chime Financial, Inc. | First Citizens BancShares, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Financial Services | Banks |
| Market Capitalization | 9.88 billion USD | 24.67 billion USD |
| Exchange | NasdaqGS | NasdaqGS |
| Listing Date | June 12, 2025 | October 22, 1986 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CHYM and FCNCA by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | CHYM | FCNCA |
|---|---|---|
| 5-Day Price Return | -6.60% | 0.32% |
| 13-Week Price Return | -- | -0.33% |
| 26-Week Price Return | -- | -8.34% |
| 52-Week Price Return | -- | -4.55% |
| Month-to-Date Return | -18.57% | -3.18% |
| Year-to-Date Return | -24.49% | -8.60% |
| 10-Day Avg. Volume | 2.87M | 0.16M |
| 3-Month Avg. Volume | 3.88M | 0.09M |
| 3-Month Volatility | -- | 26.52% |
| Beta | 2.19 | 0.67 |
Profitability
Return on Equity (TTM)
CHYM
--
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
Return on Equity data for CHYM is currently unavailable.
FCNCA
10.70%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
FCNCA’s Return on Equity of 10.70% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
CHYM
-86.97%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
CHYM has a negative Net Profit Margin of -86.97%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
FCNCA
--
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
Net Profit Margin data for FCNCA is currently unavailable.
Operating Profit Margin (TTM)
CHYM
-88.02%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
CHYM has a negative Operating Profit Margin of -88.02%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
FCNCA
--
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
Operating Profit Margin data for FCNCA is currently unavailable.
Profitability at a Glance
| Symbol | CHYM | FCNCA |
|---|---|---|
| Return on Equity (TTM) | -- | 10.70% |
| Return on Assets (TTM) | -- | 1.06% |
| Net Profit Margin (TTM) | -86.97% | -- |
| Operating Profit Margin (TTM) | -88.02% | -- |
| Gross Profit Margin (TTM) | 87.82% | -- |
Financial Strength
Current Ratio (MRQ)
CHYM
4.83
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
FCNCA
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
CHYM
0.00
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
FCNCA
1.76
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
Interest Coverage Ratio (TTM)
CHYM
--
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
FCNCA
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
Financial Strength at a Glance
| Symbol | CHYM | FCNCA |
|---|---|---|
| Current Ratio (MRQ) | 4.83 | -- |
| Quick Ratio (MRQ) | 4.62 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.00 | 1.76 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
CHYM
0.00%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- Q1
- 0.00%
- Min
- 0.00%
CHYM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
FCNCA
0.66%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
FCNCA’s Dividend Yield of 0.66% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio (TTM)
CHYM
0.00%
Financial Services Industry
- Max
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- Q1
- 0.00%
- Min
- 0.00%
CHYM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
FCNCA
6.76%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
FCNCA’s Dividend Payout Ratio of 6.76% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | CHYM | FCNCA |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.66% |
| Dividend Payout Ratio (TTM) | 0.00% | 6.76% |
Valuation
Price-to-Earnings Ratio (TTM)
CHYM
--
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
P/E Ratio data for CHYM is currently unavailable.
FCNCA
10.22
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
FCNCA’s P/E Ratio of 10.22 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
CHYM
9.43
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
FCNCA
--
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
Price-to-Book Ratio (MRQ)
CHYM
8.81
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
At 8.81, CHYM’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
FCNCA
1.24
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
FCNCA’s P/B Ratio of 1.24 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | CHYM | FCNCA |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | 10.22 |
| Price-to-Sales Ratio (TTM) | 9.43 | -- |
| Price-to-Book Ratio (MRQ) | 8.81 | 1.24 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 14.27 |