FCNCA vs. HSBC: First Citizens BancShares vs. HSBC Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and HSBC (HSBC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

First Citizens BancShares (FCNCA) trades as ordinary local shares, while HSBC (HSBC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

HSBC (HSBC) trades around 1.58M 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

HSBC (HSBC) at 14.22% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for HSBC.

HSBC (HSBC) at 41.16% keeps a top-quartile share of each sales dollar as profit, while First Citizens BancShares (FCNCA) at 25.21% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for First Citizens BancShares (FCNCA) in Banks and HSBC (HSBC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both First Citizens BancShares (FCNCA) at -2.61% and HSBC (HSBC) at 5.38% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Both First Citizens BancShares (FCNCA) at -12.76% and HSBC (HSBC) at -3.23% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

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

Both First Citizens BancShares (FCNCA) at 0.36% and HSBC (HSBC) at 0.86% offer bottom-quartile dividend income relative to share price versus industry peers.

First Citizens BancShares (FCNCA) at 4.31% retains more earnings than its industry usually does; HSBC (HSBC) at 53.57% distributes an above-typical share — opposite departures from the band, with the risk sitting on HSBC’s side.

Dividend Metrics

Valuation

Both First Citizens BancShares (FCNCA) at 11.68 and HSBC (HSBC) at 11.38 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 HSBC (HSBC) 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 sits near its industry’s typical P/B ratio, while HSBC (HSBC) at 6.87 prices above its benchmark range — HSBC looks rich relative to book.

Valuation Metrics