FCNCA vs. MUFG: First Citizens BancShares vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) 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

Mitsubishi UFJ Financial (MUFG) trades around 2.76M 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

First Citizens BancShares (FCNCA) at 10.98% is around its peer norm for ROE, while Mitsubishi UFJ Financial (MUFG) at 9.46% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Mitsubishi UFJ Financial (MUFG) at 27.45% 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 Mitsubishi UFJ Financial (MUFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Mitsubishi UFJ Financial (MUFG) at 9.98% 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.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while First Citizens BancShares (FCNCA) at -12.76% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: First Citizens BancShares (FCNCA) in Banks and Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) 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

Mitsubishi UFJ Financial (MUFG) at 406.81% 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.

Mitsubishi UFJ Financial (MUFG) at 34.74% 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

Both First Citizens BancShares (FCNCA) at 11.68 and Mitsubishi UFJ Financial (MUFG) at 13.71 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 Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) at 1.64 carries an above-peer premium to book — MUFG is pricier on assets.

Valuation Metrics