FCNCA vs. FITB: First Citizens BancShares vs. Fifth Third Bancorp Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Fifth Third Bancorp (FITB) 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

Fifth Third Bancorp (FITB) trades around 6.30M 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 Fifth Third Bancorp (FITB) at 9.42% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both First Citizens BancShares (FCNCA) at 25.21% and Fifth Third Bancorp (FITB) at 22.97% 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 Fifth Third Bancorp (FITB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Fifth Third Bancorp (FITB) at 6.61% 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.

Fifth Third Bancorp (FITB) at 12.42% 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: First Citizens BancShares (FCNCA) in Banks and Fifth Third Bancorp (FITB) 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 Fifth Third Bancorp (FITB) 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

Fifth Third Bancorp (FITB) at 3.03% 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; Fifth Third Bancorp (FITB) at 54.36% distributes an above-typical share — opposite departures from the band, with the risk sitting on FITB’s side.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while Fifth Third Bancorp (FITB) at 17.80 sits in the richer quartile — FITB 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 Fifth Third Bancorp (FITB) 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 Fifth Third Bancorp (FITB) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics