FCNCA vs. LYG: First Citizens BancShares vs. Lloyds Banking Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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

Lloyds Banking (LYG) is heavily traded at around 16.52M 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

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for LYG.

Lloyds Banking (LYG) at 30.61% 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 Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Lloyds Banking (LYG) at 7.66% 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.

Lloyds Banking (LYG) at 11.29% 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 Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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 Lloyds Banking (LYG) at 0.77% 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; Lloyds Banking (LYG) at 41.85% distributes an above-typical share — opposite departures from the band, with the risk sitting on LYG’s side.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 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 LYG, though growth and earnings durability still matter.

P/S ratio is set aside for both First Citizens BancShares (FCNCA) in Banks and Lloyds Banking (LYG) 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.

On P/B ratio, both First Citizens BancShares (FCNCA) at 1.29 and Lloyds Banking (LYG) at 1.19 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics