First Citizens [FCNCA] vs PNC Financial [PNC] Detailed Stock Comparison

First Citizens BancShares Inc.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Citizens BancShares Inc. wins in 9 metrics, PNC Financial Services Group, Inc. wins in 10 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Citizens BancShares Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 12.42 12.56 First Citizens BancShares Inc.
Price-to-Book Ratio 1.20 1.39 First Citizens BancShares Inc.
Debt-to-Equity Ratio 1.71 1.12 PNC Financial Services Group, Inc.
PEG Ratio -1.80 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 24.41% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 37.58% 35.28% First Citizens BancShares Inc.
EBITDA Margin (TTM) 37.58% 35.28% First Citizens BancShares Inc.
Return on Equity 9.92% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.97% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $1.36B $7.88B PNC Financial Services Group, Inc.
Dividend Yield 0.49% 3.02% PNC Financial Services Group, Inc.
1-Year Return 7.66% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 2.69 3.35 First Citizens BancShares Inc.
Enterprise Value $42.50B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.70 6.11 First Citizens BancShares Inc.
Revenue per Share (TTM) $695 $53 First Citizens BancShares Inc.
Earnings per Share (Diluted) $165.34 $14.15 First Citizens BancShares Inc.
Beta (Stock Volatility) 0.65 1.07 First Citizens BancShares Inc.
Short % of Float 6.19% 1.26% PNC Financial Services Group, Inc.

First Citizens BancShares Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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FCNCA
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Citizens BancShares Inc.-2.07%-1.91%0.03%-0.92%0.87%-9.43%
PNC Financial Services Group, Inc.-1.24%-1.15%0.11%2.45%10.24%3.22%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Citizens BancShares Inc.7.66%53.35%128.74%677.57%967.13%943.35%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

Performance & Financial Health Analysis: First Citizens BancShares Inc. vs PNC Financial Services Group, Inc.

MetricFCNCAPNC
Market Information
Market Cap i$23.39B$70.31B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i68,6591,904,080
90 Day Avg. Volume i92,4361,960,760
Last Close$1,955.08$218.27
52 Week Range$1,623.76 - $2,232.21$172.73 - $243.94
% from 52W High-12.42%-10.52%
All-Time High$2,412.93 (Jan 20, 2025)$243.94 (Feb 06, 2026)
% from All-Time High-18.97%-10.52%
Growth Metrics
Quarterly Revenue Growth0.06%0.05%
Quarterly Earnings Growth-0.17%0.11%
Financial Health
Profit Margin (TTM) i0.24%0.29%
Operating Margin (TTM) i0.38%0.35%
Return on Equity (TTM) i0.10%0.11%
Debt to Equity (MRQ) i1.711.12
Cash & Liquidity
Book Value per Share (MRQ)$1,718.65$127.98
Cash per Share (MRQ)$1,790.04$27.54
Operating Cash Flow (TTM) i$2.92B$5.61B
Levered Free Cash Flow (TTM) i$2.15B$5.50B
Dividends
Last 12-Month Dividend Yield i0.49%3.02%
Last 12-Month Dividend i$10.05$6.70

Valuation & Enterprise Metrics Analysis: First Citizens BancShares Inc. vs PNC Financial Services Group, Inc.

MetricFCNCA (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i12.4212.56
Forward P/E i10.1711.84
PEG Ratio i-1.8011.84
Price to Sales (TTM) i2.693.35
Price to Book (MRQ) i1.201.39
Market Capitalization
Market Capitalization i$23.39B$70.31B
Enterprise Value i$42.50B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.706.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.651.07
Book Value per Share (MRQ) i$1,718.65$127.98

Financial Statements Comparison: First Citizens BancShares Inc. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFCNCA (2025)PNC (2024)
Revenue/Sales i9.25B20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i2.97B7.24B
Pre-Tax Income % of Revenue i32.1%34.8%
Income Tax i765.00M1.29B
Income Tax % of Revenue i8.3%6.2%
Net Income (Profit) i2.21B5.95B
Profit Margin i23.8%28.6%

Balance Sheet & Liquidity Metrics

MetricFCNCA (2025)PNC (2024)
Cash & Equivalents i20.60B46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i36.11B61.67B
Long-Term Debt % of Revenue i390.3%296.4%
Total Shareholders Equity i22.24B54.47B
Retained Earnings i20.77B59.28B
Retained Earnings % of Revenue i224.5%284.9%
Property, Plant & Equipment i9.92BN/A

Cash Flow Statement Comparison

MetricFCNCA (2025)PNC (2024)
Operating Cash Flow i2.47B7.96B
Operating Cash Flow % of Revenue i26.7%38.3%
Capital Expenditures i-1.28BN/A
Free Cash Flow i1.36B7.88B
FCF Margin i14.7%37.9%
Debt Repayment i-2.85B-23.75B
Common Stock Repurchase i-3.03B-1.19B

Short Interest & Institutional Ownership Analysis

MetricFCNCAPNC
Shares Short i580,8424.98M
Short Ratio i5.242.41
Short % of Float i6.19%1.26%
Shares Outstanding i12.14M395.94M
Float Shares i8.47M392.38M
% Held by Insiders i24.18%0.38%
% Held by Institutions i68.08%85.29%
% Held by Public i7.74%14.33%

Dividend Analysis & Yield Comparison: First Citizens BancShares Inc. vs PNC Financial Services Group, Inc.

MetricFCNCAPNC
Last 12-Month Dividend i$10.05$6.70
Last 12-Month Dividend Yield i0.49%3.02%
3-Year Avg Annual Dividend i$6.94$6.40
3-Year Avg Dividend Yield i0.09%1.00%
3-Year Total Dividends i$20.81$19.20
Ex-Dividend DateFeb 27, 2026Jan 20, 2026