FCNCA vs. TFC: First Citizens BancShares vs. Truist Financial Stock Comparison

Company Profile

First Citizens BancShares (FCNCA) and Truist Financial (TFC) both belong to the Banks industry, though FCNCA is classified under Diversified Banks while TFC falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Truist Financial (TFC) trades around 7.35M 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 Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Truist Financial (TFC) at 28.38% 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 Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% delivers above-range revenue growth, while First Citizens BancShares (FCNCA) at -2.61% falls into the bottom quartile — a wide split in revenue momentum.

Truist Financial (TFC) at 13.69% 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 Truist Financial (TFC) 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 Truist Financial (TFC) 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

Truist Financial (TFC) at 4.17% 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; Truist Financial (TFC) at 53.61% distributes an above-typical share — opposite departures from the band, with the risk sitting on TFC’s side.

Dividend Metrics

Valuation

Both First Citizens BancShares (FCNCA) at 11.68 and Truist Financial (TFC) at 12.73 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 Truist Financial (TFC) 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.

Truist Financial (TFC) at 1.06 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 — TFC is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics