FCNCA PEER ANALYSIS

First Citizens BancShares, Inc. — metric-by-metric comparison with peers and the industry median

FCNCAFirst Citizens BancShares, Inc.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FCNCAIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FCNCA	QNBTR	ENPRA	BKT	SEB-A	SWED-A	Ind. Median
P/E	11.19●	22.60	115.09	12.90	12.81	13.01	12.96
P/B	1.15●	6.38	42.39	2.20	1.83	2.09	1.29
EV/EBITDA	9.96	16.47	82.16	3.89●	22.01	24.90	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FCNCA	QNBTR	ENPRA	BKT	SEB-A	SWED-A	Ind. Median
Current Ratio	0.15	—	—	0.16	0.22	0.27●	0.31
Debt/Equity	154.0%	0.0%●	0.0%●	153.4%	445.9%	513.7%	38.0%
NetDebt/EBITDA	2.69	-6.67	-8.93●	-4.70	12.36	15.09	-0.58

Profitability
Metric	FCNCA	QNBTR	ENPRA	BKT	SEB-A	SWED-A	Ind. Median
Net Margin	15.6%	35.7%●	34.9%	23.8%	20.7%	27.8%	20.6%
ROE	10.2%	33.4%	73.7%●	17.7%	13.6%	16.0%	10.9%
ROA	1.0%	2.8%	5.3%●	0.9%	0.7%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FCNCA	QNBTR	ENPRA	BKT	SEB-A	SWED-A	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-10.8%	39.7%	428.5%●	8.6%	-10.1%	-7.9%	19.4%
Div. Yield	0.4%	—	—	3.0%	4.4%	5.6%●	2.5%
Payout	7.5%	—	—	—	75.0%	28.5%	31.4%

Valuation
Metric	FCNCA	KEY	RF	CFG	HBAN	EWBC	Ind. Median
P/E	11.19●	13.81	12.28	16.62	15.41	13.13	12.96
P/B	1.15	1.27	1.41	1.18	1.05●	2.03	1.29
EV/EBITDA	9.96	-7.69●	10.05	10.40	6.11	10.08	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FCNCA	KEY	RF	CFG	HBAN	EWBC	Ind. Median
Current Ratio	0.15	0.42	1.25	228.33●	20.08	0.61	0.31
Debt/Equity	154.0%	85.4%	33.7%●	47.1%	72.1%	40.9%	38.0%
NetDebt/EBITDA	2.69	-17.82●	0.99	-0.01	-4.37	1.43	-0.58

Profitability
Metric	FCNCA	KEY	RF	CFG	HBAN	EWBC	Ind. Median
Net Margin	15.6%	17.3%	23.1%	17.5%	16.6%	29.4%●	20.6%
ROE	10.2%	10.0%	11.9%	7.7%	8.3%	16.5%●	10.9%
ROA	1.0%	1.0%	1.4%	0.9%	0.9%	1.8%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FCNCA	KEY	RF	CFG	HBAN	EWBC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-10.8%	7,684.0%●	10.4%	27.6%	7.8%	19.0%	19.4%
Div. Yield	0.4%	3.5%●	3.4%	2.5%	3.4%	2.0%	2.5%
Payout	7.5%	53.9%	45.0%	45.8%	47.8%	26.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.