FCNCA vs. JPM: First Citizens BancShares vs. JPMorgan Chase Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and JPMorgan Chase (JPM) 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

JPMorgan Chase (JPM) trades around 7.03M 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

JPMorgan Chase (JPM) at 18.01% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for JPM.

JPMorgan Chase (JPM) at 34.59% 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 JPMorgan Chase (JPM) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

JPMorgan Chase (JPM) at 7.32% 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.

Both First Citizens BancShares (FCNCA) at -12.76% and JPMorgan Chase (JPM) at 1.37% 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 JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) 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

JPMorgan Chase (JPM) at 1.82% 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.

JPMorgan Chase (JPM) at 25.80% keeps its payout within the industry’s typical band; First Citizens BancShares (FCNCA) at 4.31% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM 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 JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM looks rich relative to book.

Valuation Metrics