FCNCA vs. UMBF: First Citizens BancShares vs. UMB Financial Stock Comparison
How do First Citizens BancShares (FCNCA) and UMB Financial (UMBF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
First Citizens BancShares (FCNCA) and UMB Financial (UMBF) both belong to the Banks industry, though FCNCA is classified under Diversified Banks while UMBF falls under Regional Banks.
| Profile Item | FCNCA | UMBF |
|---|---|---|
| Name | First Citizens BancShares, Inc. Class A Common Stock | UMB Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 25.15 billion USD | 10.16 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | October 22, 1986 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| Total Return (1Y) | 27.07% | 28.13% |
| Total Return (3Y, Annualized) | 18.91% | 29.84% |
| Total Return (5Y, Annualized) | 22.86% | 7.39% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| Volatility (1Y, Annualized) | 27.19% | 24.80% |
| Beta (5Y) | 0.61 | 0.83 |
| Max Drawdown (5Y) | -43.60% | -50.25% |
| Avg. Volume (3M) | 68.57K | 608.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.84 | 0.96 |
| Sortino Ratio (1Y) | 1.24 | 1.45 |
Profitability
ROE (TTM)
Both First Citizens BancShares (FCNCA) at 10.98% and UMB Financial (UMBF) at 13.50% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
FCNCA
Banks industry group
10.98%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- FCNCA
- 10.98%
- Q1
- 9.50%
- Min
- 3.64%
UMBF
Banks industry group
13.50%
- Max
- 19.84%
- Q3
- 13.67%
- UMBF
- 13.50%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
UMB Financial (UMBF) at 35.61% keeps a top-quartile share of each sales dollar as profit, while First Citizens BancShares (FCNCA) at 25.21% keeps a bottom-quartile share.
FCNCA
Banks industry group
25.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FCNCA
- 25.21%
- Min
- 14.93%
UMBF
Banks industry group
35.61%
- Max
- 47.19%
- UMBF
- 35.61%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for First Citizens BancShares (FCNCA) in Banks and UMB Financial (UMBF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| ROE (TTM) | 10.98% | 13.50% |
| ROA (TTM) | 1.01% | 1.43% |
| Net Margin (TTM) | 25.21% | 35.61% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
UMB Financial (UMBF) at 65.66% delivers above-range revenue growth, while First Citizens BancShares (FCNCA) at -2.61% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Both First Citizens BancShares (FCNCA) at -12.76% and UMB Financial (UMBF) at 3.34% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.
Growth Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| Revenue Growth (YoY) | -2.61% | 65.66% |
| Revenue Growth (3Y CAGR) | 26.91% | 21.36% |
| EPS Growth (YoY) | -12.76% | 3.34% |
| EPS Growth (3Y CAGR) | 34.84% | 1.59% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: First Citizens BancShares (FCNCA) in Banks and UMB Financial (UMBF) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: First Citizens BancShares (FCNCA) in Banks and UMB Financial (UMBF) 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
| Metric | FCNCA | UMBF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
UMB Financial (UMBF) at 1.33% pays a yield in its industry’s typical range, while First Citizens BancShares (FCNCA) at 0.36% falls in the bottom quartile of its peers.
FCNCA
Banks industry group
0.36%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- FCNCA
- 0.36%
- Min
- 0.00%
UMBF
Banks industry group
1.33%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- UMBF
- 1.33%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both First Citizens BancShares (FCNCA) at 4.31% and UMB Financial (UMBF) at 13.54% pay out less of their earnings than their industries typically do, keeping retention high — common for businesses prioritizing reinvestment.
FCNCA
Banks industry group
4.31%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- FCNCA
- 4.31%
- Min
- 0.00%
UMBF
Banks industry group
13.54%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- UMBF
- 13.54%
- Min
- 0.00%
Dividend Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| Dividend Yield (TTM) | 0.36% | 1.33% |
| Dividend Payout Ratio (TTM) | 4.31% | 13.54% |
Valuation
P/E Ratio (TTM)
UMB Financial (UMBF) at 10.12 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 UMBF, though growth and earnings durability still matter.
FCNCA
Banks industry group
11.68
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- FCNCA
- 11.68
- Q1
- 10.64
- Min
- 6.49
UMBF
Banks industry group
10.12
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- UMBF
- 10.12
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both First Citizens BancShares (FCNCA) in Banks and UMB Financial (UMBF) 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.
P/B Ratio (MRQ)
On P/B ratio, both First Citizens BancShares (FCNCA) at 1.29 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
FCNCA
Banks industry group
1.29
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- FCNCA
- 1.29
- Q1
- 1.10
- Min
- 0.59
UMBF
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- UMBF
- 1.34
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | FCNCA | UMBF |
|---|---|---|
| P/E Ratio (TTM) | 11.68 | 10.12 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.29 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |