FCNCA vs. ING: First Citizens BancShares vs. ING Groep Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and ING Groep (ING) 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 ING Groep (ING) 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

ING Groep (ING) trades around 2.24M 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

ING Groep (ING) at 17.76% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for ING.

ING Groep (ING) at 34.40% keeps about the industry-typical share of revenue as profit, while First Citizens BancShares (FCNCA) at 25.21% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for First Citizens BancShares (FCNCA) in Banks and ING Groep (ING) 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 ING Groep (ING) at 1.55% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

ING Groep (ING) at 7.07% 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 ING Groep (ING) 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 ING Groep (ING) 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

ING Groep (ING) at 4.55% 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; ING Groep (ING) at 48.14% distributes an above-typical share — opposite departures from the band, with the risk sitting on ING’s side.

Dividend Metrics

Valuation

Both First Citizens BancShares (FCNCA) at 11.68 and ING Groep (ING) at 11.70 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 ING Groep (ING) 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 is valued about in line with its industry on P/B ratio, while ING Groep (ING) at 1.61 carries an above-peer premium to book — ING is pricier on assets.

Valuation Metrics