FCNCA vs. SHG: First Citizens BancShares vs. Shinhan Financial Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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

First Citizens BancShares (FCNCA) at 10.98% is around its peer norm for ROE, while Shinhan Financial (SHG) at 8.94% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both First Citizens BancShares (FCNCA) at 25.21% and Shinhan Financial (SHG) at 26.15% 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) at 4.66% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Shinhan Financial (SHG) at 16.24% 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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

Shinhan Financial (SHG) at 4,638.28% 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.

Shinhan Financial (SHG) at 25.22% 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

Shinhan Financial (SHG) at 7.98 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 SHG, though growth and earnings durability still matter.

P/S ratio is set aside for both First Citizens BancShares (FCNCA) in Banks and Shinhan Financial (SHG) 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.

Shinhan Financial (SHG) at 0.66 sits in the lower P/B ratio quartile against book while First Citizens BancShares (FCNCA) at 1.29 is valued near its industry’s middle — SHG is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics