FCNCA vs. UNM: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at FCNCA and UNM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | FCNCA | UNM |
|---|---|---|
| Company Name | First Citizens BancShares, Inc. | Unum Group |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Banks | Insurance |
| Market Capitalization | 24.35 billion USD | 12.09 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | October 22, 1986 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of FCNCA and UNM by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | FCNCA | UNM |
|---|---|---|
| 5-Day Price Return | 4.61% | 3.59% |
| 13-Week Price Return | -1.83% | -12.18% |
| 26-Week Price Return | -13.83% | -7.38% |
| 52-Week Price Return | -2.91% | 32.98% |
| Month-to-Date Return | -4.51% | -1.11% |
| Year-to-Date Return | -9.86% | -2.77% |
| 10-Day Avg. Volume | 0.16M | 1.81M |
| 3-Month Avg. Volume | 0.10M | 1.42M |
| 3-Month Volatility | 26.94% | 31.68% |
| Beta | 0.66 | 0.36 |
Profitability
Return on Equity (TTM)
FCNCA
10.70%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
FCNCA’s Return on Equity of 10.70% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.
UNM
13.67%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
UNM’s Return on Equity of 13.67% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
FCNCA
--
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
Net Profit Margin data for FCNCA is currently unavailable.
UNM
11.77%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
UNM’s Net Profit Margin of 11.77% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
FCNCA
--
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
Operating Profit Margin data for FCNCA is currently unavailable.
UNM
16.48%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | FCNCA | UNM |
|---|---|---|
| Return on Equity (TTM) | 10.70% | 13.67% |
| Return on Assets (TTM) | 1.06% | 2.42% |
| Net Profit Margin (TTM) | -- | 11.77% |
| Operating Profit Margin (TTM) | -- | 16.48% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
FCNCA
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
UNM
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
FCNCA
1.76
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
UNM
0.33
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
FCNCA
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
UNM
12.19
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | FCNCA | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Quick Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | 1.76 | 0.33 |
| Interest Coverage Ratio (TTM) | -- | 12.19 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
FCNCA
0.67%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
FCNCA’s Dividend Yield of 0.67% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
UNM
2.55%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
UNM’s Dividend Yield of 2.55% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
FCNCA
6.37%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
FCNCA’s Dividend Payout Ratio of 6.37% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
UNM
20.11%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
UNM’s Dividend Payout Ratio of 20.11% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | FCNCA | UNM |
|---|---|---|
| Dividend Yield (TTM) | 0.67% | 2.55% |
| Dividend Payout Ratio (TTM) | 6.37% | 20.11% |
Valuation
Price-to-Earnings Ratio (TTM)
FCNCA
10.08
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
FCNCA’s P/E Ratio of 10.08 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
UNM
7.90
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
In the lower quartile for the Insurance industry, UNM’s P/E Ratio of 7.90 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
FCNCA
--
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
UNM
0.93
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
UNM’s P/S Ratio of 0.93 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
FCNCA
1.24
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
FCNCA’s P/B Ratio of 1.24 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
UNM
1.24
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
UNM’s P/B Ratio of 1.24 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | FCNCA | UNM |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 10.08 | 7.90 |
| Price-to-Sales Ratio (TTM) | -- | 0.93 |
| Price-to-Book Ratio (MRQ) | 1.24 | 1.24 |
| Price-to-Free Cash Flow Ratio (TTM) | 16.63 | 8.31 |