FCNCA vs. HBAN: First Citizens BancShares vs. Huntington Bancshares Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Huntington Bancshares (HBAN) is heavily traded at around 24.74M shares per day, whereas First Citizens BancShares (FCNCA) is thinly traded at only 68.57K — larger orders in the latter may face more price impact or wider spreads, depending on market conditions.

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 Huntington Bancshares (HBAN) at 9.19% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both First Citizens BancShares (FCNCA) at 25.21% and Huntington Bancshares (HBAN) at 25.37% 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 Huntington Bancshares (HBAN) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Huntington Bancshares (HBAN) at 10.22% 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.

Huntington Bancshares (HBAN) at 13.93% 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 Huntington Bancshares (HBAN) 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 Huntington Bancshares (HBAN) 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

Huntington Bancshares (HBAN) at 3.97% 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; Huntington Bancshares (HBAN) at 50.82% distributes an above-typical share — opposite departures from the band, with the risk sitting on HBAN’s side.

Dividend Metrics

Valuation

Both First Citizens BancShares (FCNCA) at 11.68 and Huntington Bancshares (HBAN) at 12.68 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 First Citizens BancShares (FCNCA) in Banks and Huntington Bancshares (HBAN) 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.

Huntington Bancshares (HBAN) at 1.06 sits in the lower P/B ratio quartile against book while First Citizens BancShares (FCNCA) at 1.29 is valued near its industry’s middle — HBAN is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics