FCNCA vs. TD: First Citizens BancShares vs. Toronto-Dominion Bank Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Toronto-Dominion Bank (TD) 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

Toronto-Dominion Bank (TD) trades around 1.81M 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

Both First Citizens BancShares (FCNCA) at 10.98% and Toronto-Dominion Bank (TD) at 12.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both First Citizens BancShares (FCNCA) at 25.21% and Toronto-Dominion Bank (TD) at 26.62% 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 Toronto-Dominion Bank (TD) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Toronto-Dominion Bank (TD) at 8.93% 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.

Toronto-Dominion Bank (TD) at 144.92% delivers above-range EPS growth, while First Citizens BancShares (FCNCA) at -12.76% falls into the bottom quartile — a wide split in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: First Citizens BancShares (FCNCA) in Banks and Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) 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

Toronto-Dominion Bank (TD) at 3.52% 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; Toronto-Dominion Bank (TD) at 46.36% distributes an above-typical share — opposite departures from the band, with the risk sitting on TD’s side.

Dividend Metrics

Valuation

First Citizens BancShares (FCNCA) at 11.68 is near its industry’s usual P/E ratio, while Toronto-Dominion Bank (TD) at 18.16 sits in the richer quartile — TD 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 Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) at 2.27 carries an above-peer premium to book — TD is pricier on assets.

Valuation Metrics