First Citizens [FCNCA] vs U.S. Bancorp [USB] Detailed Stock Comparison

First Citizens BancShares Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: First Citizens BancShares Inc. wins in 6 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Citizens BancShares Inc. U.S. Bancorp Better
P/E Ratio (TTM) 12.42 11.92 U.S. Bancorp
Price-to-Book Ratio 1.20 1.51 First Citizens BancShares Inc.
Debt-to-Equity Ratio 1.71 1.21 U.S. Bancorp
PEG Ratio -1.80 0.82 U.S. Bancorp
Profit Margin (TTM) 24.41% 29.29% U.S. Bancorp
Operating Margin (TTM) 37.58% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 37.58% 37.84% U.S. Bancorp
Return on Equity 9.92% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.97% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $1.36B $7.97B U.S. Bancorp
Dividend Yield 0.49% 3.82% U.S. Bancorp
1-Year Return 7.66% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 2.69 3.32 First Citizens BancShares Inc.
Enterprise Value $42.50B $126.46B U.S. Bancorp
EV/Revenue Ratio 4.70 4.75 First Citizens BancShares Inc.
Revenue per Share (TTM) $695 $17 First Citizens BancShares Inc.
Earnings per Share (Diluted) $165.34 $4.77 First Citizens BancShares Inc.
Beta (Stock Volatility) 0.65 1.03 First Citizens BancShares Inc.
Short % of Float 6.19% 0.00% U.S. Bancorp

First Citizens BancShares Inc. vs U.S. Bancorp Stock Performance Analysis

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FCNCA
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Citizens BancShares Inc.-2.07%-1.91%0.03%-0.92%0.87%-9.43%
U.S. Bancorp-2.67%-2.83%-3.80%-1.57%4.34%-1.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Citizens BancShares Inc.7.66%53.35%128.74%677.57%967.13%943.35%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: First Citizens BancShares Inc. vs U.S. Bancorp

MetricFCNCAUSB
Market Information
Market Cap i$23.39B$88.06B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i68,6599,829,002
90 Day Avg. Volume i92,43610,401,007
Last Close$1,955.08$53.14
52 Week Range$1,623.76 - $2,232.21$42.55 - $61.19
% from 52W High-12.42%-13.16%
All-Time High$2,412.93 (Jan 20, 2025)$63.57 (Jan 10, 2022)
% from All-Time High-18.97%-16.41%
Growth Metrics
Quarterly Revenue Growth0.06%0.05%
Quarterly Earnings Growth-0.17%0.14%
Financial Health
Profit Margin (TTM) i0.24%0.29%
Operating Margin (TTM) i0.38%0.38%
Return on Equity (TTM) i0.10%0.12%
Debt to Equity (MRQ) i1.711.21
Cash & Liquidity
Book Value per Share (MRQ)$1,718.65$37.54
Cash per Share (MRQ)$1,790.04$31.14
Operating Cash Flow (TTM) i$2.92B$6.04B
Levered Free Cash Flow (TTM) i$2.15B$7.19B
Dividends
Last 12-Month Dividend Yield i0.49%3.82%
Last 12-Month Dividend i$10.05$2.04

Valuation & Enterprise Metrics Analysis: First Citizens BancShares Inc. vs U.S. Bancorp

MetricFCNCA (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4211.92
Forward P/E i10.1710.09
PEG Ratio i-1.800.82
Price to Sales (TTM) i2.693.32
Price to Book (MRQ) i1.201.51
Market Capitalization
Market Capitalization i$23.39B$88.06B
Enterprise Value i$42.50B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i4.704.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.651.03
Book Value per Share (MRQ) i$1,718.65$37.54

Financial Statements Comparison: First Citizens BancShares Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFCNCA (2025)USB (2025)
Revenue/Sales i9.25B28.54B
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 i2.97B9.52B
Pre-Tax Income % of Revenue i32.1%33.3%
Income Tax i765.00M1.92B
Income Tax % of Revenue i8.3%6.7%
Net Income (Profit) i2.21B7.60B
Profit Margin i23.8%26.6%

Balance Sheet & Liquidity Metrics

MetricFCNCA (2025)USB (2025)
Cash & Equivalents i20.60B46.89B
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 i36.11B60.76B
Long-Term Debt % of Revenue i390.3%212.9%
Total Shareholders Equity i22.24B65.65B
Retained Earnings i20.77B80.91B
Retained Earnings % of Revenue i224.5%283.5%
Property, Plant & Equipment i9.92B1.51B

Cash Flow Statement Comparison

MetricFCNCA (2025)USB (2025)
Operating Cash Flow i2.47B6.04B
Operating Cash Flow % of Revenue i26.7%21.2%
Capital Expenditures i-1.28BN/A
Free Cash Flow i1.36B7.97B
FCF Margin i14.7%27.9%
Debt Repayment i-2.85B-9.05B
Common Stock Repurchase i-3.03B-489.00M

Short Interest & Institutional Ownership Analysis

MetricFCNCAUSB
Shares Short i580,84227,002
Short Ratio i5.240.00
Short % of Float i6.19%0.00%
Shares Outstanding i12.14M1.56B
Float Shares i8.47M1.55B
% Held by Insiders i24.18%0.14%
% Held by Institutions i68.08%83.55%
% Held by Public i7.74%16.31%

Dividend Analysis & Yield Comparison: First Citizens BancShares Inc. vs U.S. Bancorp

MetricFCNCAUSB
Last 12-Month Dividend i$10.05$2.04
Last 12-Month Dividend Yield i0.49%3.82%
3-Year Avg Annual Dividend i$6.94$1.98
3-Year Avg Dividend Yield i0.09%1.19%
3-Year Total Dividends i$20.81$5.95
Ex-Dividend DateFeb 27, 2026Dec 31, 2025