First Citizens [FCNCA] vs Truist Financial [TFC] Detailed Stock Comparison

First Citizens BancShares Inc.

NASDAQ
Loading...

Truist Financial Corp

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Citizens BancShares Inc. wins in 7 metrics, Truist Financial Corp wins in 12 metrics, with 0 ties. Truist Financial Corp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Citizens BancShares Inc. Truist Financial Corp Better
P/E Ratio (TTM) 12.42 12.61 First Citizens BancShares Inc.
Price-to-Book Ratio 1.20 1.07 Truist Financial Corp
Debt-to-Equity Ratio 1.71 1.06 Truist Financial Corp
PEG Ratio -1.80 0.50 Truist Financial Corp
Profit Margin (TTM) 24.41% 29.62% Truist Financial Corp
Operating Margin (TTM) 37.58% 38.99% Truist Financial Corp
EBITDA Margin (TTM) 37.58% 38.99% Truist Financial Corp
Return on Equity 9.92% 8.58% First Citizens BancShares Inc.
Return on Assets (TTM) 0.97% 1.02% Truist Financial Corp
Free Cash Flow (TTM) $1.36B $5.74B Truist Financial Corp
Dividend Yield 0.49% 4.01% Truist Financial Corp
1-Year Return 7.66% 22.05% Truist Financial Corp
Price-to-Sales Ratio (TTM) 2.69 3.40 First Citizens BancShares Inc.
Enterprise Value $42.50B $92.13B Truist Financial Corp
EV/Revenue Ratio 4.70 4.94 First Citizens BancShares Inc.
Revenue per Share (TTM) $695 $15 First Citizens BancShares Inc.
Earnings per Share (Diluted) $165.34 $4.04 First Citizens BancShares Inc.
Beta (Stock Volatility) 0.65 0.87 First Citizens BancShares Inc.
Short % of Float 6.19% 2.08% Truist Financial Corp

First Citizens BancShares Inc. vs Truist Financial Corp Stock Performance Analysis

Loading Price Chart...

FCNCA
TFC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Citizens BancShares Inc.-2.07%-1.91%0.03%-0.92%0.87%-9.43%
Truist Financial Corp-1.45%-2.15%-4.16%-3.81%0.00%-4.66%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Citizens BancShares Inc.7.66%53.35%128.74%677.57%967.13%943.35%
Truist Financial Corp22.05%50.28%-19.90%32.55%84.57%13.94%

Performance & Financial Health Analysis: First Citizens BancShares Inc. vs Truist Financial Corp

MetricFCNCATFC
Market Information
Market Cap i$23.39B$64.04B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i68,6597,841,314
90 Day Avg. Volume i92,4369,887,451
Last Close$1,955.08$47.42
52 Week Range$1,623.76 - $2,232.21$38.84 - $56.20
% from 52W High-12.42%-15.62%
All-Time High$2,412.93 (Jan 20, 2025)$68.95 (Jan 17, 2022)
% from All-Time High-18.97%-31.23%
Growth Metrics
Quarterly Revenue Growth0.06%0.05%
Quarterly Earnings Growth-0.17%0.17%
Financial Health
Profit Margin (TTM) i0.24%0.30%
Operating Margin (TTM) i0.38%0.39%
Return on Equity (TTM) i0.10%0.09%
Debt to Equity (MRQ) i1.711.06
Cash & Liquidity
Book Value per Share (MRQ)$1,718.65$47.74
Cash per Share (MRQ)$1,790.04$36.50
Operating Cash Flow (TTM) i$2.92B$4.22B
Levered Free Cash Flow (TTM) i$2.15B$4.97B
Dividends
Last 12-Month Dividend Yield i0.49%4.01%
Last 12-Month Dividend i$10.05$2.08

Valuation & Enterprise Metrics Analysis: First Citizens BancShares Inc. vs Truist Financial Corp

MetricFCNCA (Apr 24, 2026)TFC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4212.61
Forward P/E i10.179.94
PEG Ratio i-1.800.50
Price to Sales (TTM) i2.693.40
Price to Book (MRQ) i1.201.07
Market Capitalization
Market Capitalization i$23.39B$64.04B
Enterprise Value i$42.50B$92.13B
Enterprise Value Metrics
Enterprise to Revenue i4.704.94
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.650.87
Book Value per Share (MRQ) i$1,718.65$47.74

Financial Statements Comparison: First Citizens BancShares Inc. vs Truist Financial Corp

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFCNCA (2025)TFC (2025)
Revenue/Sales i9.25B20.32B
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 i2.97B6.35B
Pre-Tax Income % of Revenue i32.1%31.2%
Income Tax i765.00M1.04B
Income Tax % of Revenue i8.3%5.1%
Net Income (Profit) i2.21B5.31B
Profit Margin i23.8%26.1%

Balance Sheet & Liquidity Metrics

MetricFCNCA (2025)TFC (2025)
Cash & Equivalents i20.60B36.38B
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 i36.11B41.96B
Long-Term Debt % of Revenue i390.3%206.5%
Total Shareholders Equity i22.24B65.19B
Retained Earnings i20.77B26.07B
Retained Earnings % of Revenue i224.5%128.3%
Property, Plant & Equipment i9.92B2.44B

Cash Flow Statement Comparison

MetricFCNCA (2025)TFC (2025)
Operating Cash Flow i2.47B4.22B
Operating Cash Flow % of Revenue i26.7%20.7%
Capital Expenditures i-1.28BN/A
Free Cash Flow i1.36B5.74B
FCF Margin i14.7%28.2%
Debt Repayment i-2.85B-63.08B
Common Stock Repurchase i-3.03B-3.50B

Short Interest & Institutional Ownership Analysis

MetricFCNCATFC
Shares Short i580,84225.87M
Short Ratio i5.242.54
Short % of Float i6.19%2.08%
Shares Outstanding i12.14M1.25B
Float Shares i8.47M1.24B
% Held by Insiders i24.18%0.19%
% Held by Institutions i68.08%78.57%
% Held by Public i7.74%21.24%

Dividend Analysis & Yield Comparison: First Citizens BancShares Inc. vs Truist Financial Corp

MetricFCNCATFC
Last 12-Month Dividend i$10.05$2.08
Last 12-Month Dividend Yield i0.49%4.01%
3-Year Avg Annual Dividend i$6.94$2.08
3-Year Avg Dividend Yield i0.09%1.35%
3-Year Total Dividends i$20.81$6.24
Ex-Dividend DateFeb 27, 2026Feb 13, 2026