FCNCA vs. RY: First Citizens BancShares vs. Royal Bank of Canada Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) trades around 1.25M 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

Royal Bank of Canada (RY) at 16.21% sits in the top ROE quartile, while First Citizens BancShares (FCNCA) at 10.98% is closer to the peer norm — stronger capital efficiency for RY.

Royal Bank of Canada (RY) at 33.87% 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 Royal Bank of Canada (RY) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Royal Bank of Canada (RY) at 15.73% 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.

Only one side can be read here: First Citizens BancShares (FCNCA) reports EPS growth of -12.76%, ranked against its industry; Royal Bank of Canada (RY) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: First Citizens BancShares (FCNCA) in Banks and Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) at 3.23% 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; Royal Bank of Canada (RY) at 41.49% distributes an above-typical share — opposite departures from the band, with the risk sitting on RY’s side.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — RY 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 Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 2.92 prices above its benchmark range — RY looks rich relative to book.

Valuation Metrics