FCNCA vs. FHN: First Citizens BancShares vs. First Horizon Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and First Horizon (FHN) both belong to the Banks industry, though FCNCA is classified under Diversified Banks while FHN falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

First Horizon (FHN) trades around 5.55M 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

First Citizens BancShares (FCNCA) at 10.98% is around its peer norm for ROE, while First Horizon (FHN) at 7.92% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both First Citizens BancShares (FCNCA) at 25.21% and First Horizon (FHN) at 23.43% 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 First Citizens BancShares (FCNCA) in Banks and First Horizon (FHN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

First Horizon (FHN) at 7.33% 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.

First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while First Citizens BancShares (FCNCA) at -12.76% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: First Citizens BancShares (FCNCA) in Banks and First Horizon (FHN) 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: First Citizens BancShares (FCNCA) in Banks and First Horizon (FHN) 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

First Horizon (FHN) at 2.85% 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.

First Citizens BancShares (FCNCA) at 4.31% retains more earnings than its industry usually does; First Horizon (FHN) at 47.48% distributes an above-typical share — opposite departures from the band, with the risk sitting on FHN’s side.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while First Horizon (FHN) at 16.58 sits in the richer quartile — FHN needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both First Citizens BancShares (FCNCA) in Banks and First Horizon (FHN) 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 First Citizens BancShares (FCNCA) at 1.29 and First Horizon (FHN) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics