First Citizens [FCNCA] vs U.S. Bancorp [USB] Detailed Stock Comparison
First Citizens
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: First Citizens wins in 11 metrics, U.S. Bancorp wins in 6 metrics, with 0 ties. First Citizens appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | First Citizens | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.41 | 11.50 | First Citizens |
| Price-to-Book Ratio | 1.08 | 1.37 | First Citizens |
| Debt-to-Equity Ratio | 1.80 | 1.34 | U.S. Bancorp |
| PEG Ratio | -0.96 | 0.80 | First Citizens |
| Profit Margin (TTM) | 26.68% | 27.00% | U.S. Bancorp |
| Operating Margin (TTM) | 37.51% | 37.33% | First Citizens |
| EBITDA Margin (TTM) | 37.51% | 37.33% | First Citizens |
| Return on Equity | 10.71% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 1.07% | 1.01% | First Citizens |
| Free Cash Flow (TTM) | $1.45B | $11.27B | U.S. Bancorp |
| Dividend Yield | N/A | 4.60% | N/A |
| 1-Year Return | -12.93% | 3.16% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 2.52 | 2.93 | First Citizens |
| Enterprise Value | $35.83B | $102.84B | U.S. Bancorp |
| EV/Revenue Ratio | 3.99 | 4.02 | First Citizens |
| Revenue per Share (TTM) | $652 | $16 | First Citizens |
| Earnings per Share (Diluted) | $169.39 | $4.18 | First Citizens |
| Beta (Stock Volatility) | 0.60 | 1.08 | First Citizens |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
First Citizens vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| First Citizens | -0.17% | -2.12% | -9.61% | -15.32% | 9.56% | -16.31% |
| U.S. Bancorp | -0.73% | -2.59% | -1.91% | -0.13% | 29.67% | -0.29% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| First Citizens | -12.93% | 106.99% | 347.29% | 662.96% | 841.26% | 938.10% |
| U.S. Bancorp | 3.16% | 11.60% | 21.92% | 17.05% | 111.71% | 70.67% |
News Based Sentiment: First Citizens vs U.S. Bancorp
First Citizens
News based Sentiment: MIXED
October saw a blend of positive and negative developments for First Citizens BancShares. While the stock entered oversold territory and some institutions initiated positions, analyst price target reductions, driven by bankruptcy concerns and interest rate projections, created a more cautious outlook. The upcoming earnings report will be critical in clarifying the company's trajectory.
U.S. Bancorp
News based Sentiment: MIXED
October saw U.S. Bancorp maintaining a generally positive outlook with a dividend increase and a 'Buy' rating from Wells Fargo. However, this was tempered by institutional selling and insider transactions, creating a mixed investment narrative. The upcoming earnings release will be key to resolving this ambiguity.
Performance & Financial Health Analysis: First Citizens vs U.S. Bancorp
| Metric | FCNCA | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $23.76B | $77.24B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 196,520 | 8,651,060 |
| 90 Day Avg. Volume | 171,493 | 9,873,513 |
| Last Close | $1,759.68 | $47.72 |
| 52 Week Range | $1,473.62 - $2,412.93 | $35.18 - $53.98 |
| % from 52W High | -27.07% | -11.60% |
| All-Time High | $2,412.93 (Jan 20, 2025) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -27.07% | -24.93% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.05% | 0.03% |
| Quarterly Earnings Growth | -0.19% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.27% |
| Operating Margin (TTM) | 0.38% | 0.37% |
| Return on Equity (TTM) | 0.11% | 0.12% |
| Debt to Equity (MRQ) | 1.80 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $1,637.74 | $35.02 |
| Cash per Share (MRQ) | $2,166.91 | $39.85 |
| Operating Cash Flow (TTM) | $3.07B | $7.48B |
| Levered Free Cash Flow (TTM) | $2.72B | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 4.60% |
| Last 12-Month Dividend | N/A | $1.99 |
Valuation & Enterprise Metrics Analysis: First Citizens vs U.S. Bancorp
| Metric | FCNCA | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.41 | 11.50 |
| Forward P/E | 10.86 | 11.10 |
| PEG Ratio | -0.96 | 0.80 |
| Price to Sales (TTM) | 2.52 | 2.93 |
| Price to Book (MRQ) | 1.08 | 1.37 |
| Market Capitalization | ||
| Market Capitalization | $23.76B | $77.24B |
| Enterprise Value | $35.83B | $102.84B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.99 | 4.02 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.60 | 1.08 |
| Book Value per Share (MRQ) | $1,637.74 | $35.02 |
Financial Statements Comparison: First Citizens vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | FCNCA | USB |
|---|---|---|
| Revenue/Sales | $2.29B | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $651.00M | $2.16B |
| Income Tax | $168.00M | $443.00M |
| Net Income (Profit) | $483.00M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | FCNCA | USB |
|---|---|---|
| Cash & Equivalents | $25.50B | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $38.30B | $59.86B |
| Total Shareholders Equity | $22.30B | $60.56B |
| Retained Earnings | $19.80B | $77.69B |
| Property, Plant & Equipment | $11.72B | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | FCNCA | USB |
|---|---|---|
| Operating Cash Flow | $754.00M | $-750.00M |
| Capital Expenditures | $-280.00M | N/A |
| Free Cash Flow | $518.00M | $-285.00M |
| Debt Repayment | $-351.00M | $-2.10B |
| Common Stock Repurchase | $-613.00M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | FCNCA | USB |
|---|---|---|
| Shares Short | 367,871 | 22.01M |
| Short Ratio | 2.53 | 2.51 |
| Short % of Float | 0.04% | 0.01% |
| Average Daily Volume (10 Day) | 196,520 | 8,651,060 |
| Average Daily Volume (90 Day) | 171,493 | 9,873,513 |
| Shares Outstanding | 13.72M | 1.56B |
| Float Shares | 9.65M | 1.55B |
| % Held by Insiders | 0.22% | 0.00% |
| % Held by Institutions | 0.70% | 0.82% |
Dividend Analysis & Yield Comparison: First Citizens vs U.S. Bancorp
| Metric | FCNCA | USB |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.99 |
| Last 12-Month Dividend Yield | N/A | 4.60% |
| 3-Year Avg Annual Dividend | N/A | $1.78 |
| 3-Year Avg Dividend Yield | N/A | 1.19% |
| 3-Year Total Dividends | N/A | $5.35 |
| Ex-Dividend Date | N/A | Mar 31, 2025 |