FCNCA vs. KB: First Citizens BancShares vs. KB Financial Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and KB Financial (KB) 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 KB Financial (KB) 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: First Citizens BancShares (FCNCA) earns 10.98% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

Both First Citizens BancShares (FCNCA) at 25.21% and KB Financial (KB) at 17.25% 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 KB Financial (KB) 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 KB Financial (KB) at 5.61% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

KB Financial (KB) at 27.83% 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 KB Financial (KB) 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 KB Financial (KB) 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

KB Financial (KB) at 1,434.96% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while First Citizens BancShares (FCNCA) at 0.36% sits in the bottom quartile of its peers.

KB Financial (KB) at 26.89% 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

KB Financial (KB) at 9.55 sits in the cheaper P/E ratio quartile, while First Citizens BancShares (FCNCA) at 11.68 is closer to its industry’s usual earnings multiple — a discount for KB, though growth and earnings durability still matter.

P/S ratio is set aside for both First Citizens BancShares (FCNCA) in Banks and KB Financial (KB) 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 KB Financial (KB) at 3.68 prices above its benchmark range — KB looks rich relative to book.

Valuation Metrics