FCNCA vs. ALLY

Last updated Jun 4, 2026

FCNCA (First Citizens BancShares, Inc.) and ALLY (Ally Financial Inc.) are both stocks. Both are in the Financial Services sector — FCNCA in Banks - Regional, ALLY in Credit Services. Over the past 10 years, FCNCA returned 22.98%/yr vs 11.79%/yr for ALLY. A 0.55 correlation means they provide meaningful diversification when combined.

Performance

FCNCA vs. ALLY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in First Citizens BancShares, Inc. (FCNCA) and Ally Financial Inc. (ALLY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with FCNCA having a -8.71% return and ALLY slightly higher at -8.36%. Over the past 10 years, FCNCA has outperformed ALLY with an annualized return of 22.98%, while ALLY has yielded a comparatively lower 11.79% annualized return.

FCNCA

• 1D: -2.07%
• 1M: 0.14%
• YTD: -8.71%
• 6M: 1.08%
• 1Y: 6.53%
• 3Y*: 15.07%
• 5Y*: 17.98%
• 10Y*: 22.98%

ALLY

• 1D: -2.94%
• 1M: -4.88%
• YTD: -8.36%
• 6M: -0.62%
• 1Y: 18.19%
• 3Y*: 17.03%
• 5Y*: -2.68%
• 10Y*: 11.79%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FCNCA vs. ALLY - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FCNCA First Citizens BancShares, Inc.	-8.71%	1.99%	49.46%	87.73%	-8.35%	44.83%	8.35%	41.64%	-6.12%	13.92%
ALLY Ally Financial Inc.	-8.36%	29.92%	6.37%	49.22%	-46.89%	36.04%	20.56%	37.94%	-20.67%	56.05%

Correlation

The correlation between FCNCA and ALLY is 0.61, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.61
Correlation (3Y) Calculated over the trailing 3-year period	0.52
Correlation (5Y) Calculated over the trailing 5-year period	0.56
Correlation (10Y) Calculated over the trailing 10-year period	0.58
Correlation (All Time) Calculated using the full available price history since Apr 11, 2014	0.55

The correlation between FCNCA and ALLY has been stable across timeframes, ranging from 0.52 to 0.61 - a consistent structural relationship.

Fundamentals

Market Cap FCNCA : $23.31B ALLY : $12.82B
EPS FCNCA : $179.22 ALLY : $4.45
PE Ratio FCNCA : 10.91 ALLY : 9.19
PS Ratio FCNCA : 1.70 ALLY : 0.82
PB Ratio FCNCA : 1.15 ALLY : 0.97
Total Revenue (TTM) FCNCA : $14.45B ALLY : $15.65B
Gross Profit (TTM) FCNCA : $9.08B ALLY : $7.65B
EBITDA (TTM) FCNCA : $3.47B ALLY : $2.77B

Return for Risk

FCNCA vs. ALLY — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FCNCA

FCNCA Risk / Return Rank: 45
FCNCA Sharpe Ratio Rank: 49
FCNCA Sortino Ratio Rank: 41
FCNCA Omega Ratio Rank: 41
FCNCA Calmar Ratio Rank: 47
FCNCA Martin Ratio Rank: 47

ALLY

ALLY Risk / Return Rank: 57
ALLY Sharpe Ratio Rank: 61
ALLY Sortino Ratio Rank: 55
ALLY Omega Ratio Rank: 53
ALLY Calmar Ratio Rank: 57
ALLY Martin Ratio Rank: 59

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FCNCA vs. ALLY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for First Citizens BancShares, Inc. (FCNCA) and Ally Financial Inc. (ALLY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	FCNCA	ALLY	Difference
Sharpe ratio Return per unit of total volatility	0.24	0.62	-0.38
Sortino ratio Return per unit of downside risk	0.49	1.06	-0.57
Omega ratio Gain probability vs. loss probability	1.07	1.13	-0.07
Calmar ratio Return relative to maximum drawdown	0.27	0.79	-0.52
Martin ratio Return relative to average drawdown	0.59	1.97	-1.38
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FCNCA vs. ALLY - Sharpe Ratio Comparison

The current FCNCA Sharpe Ratio is 0.24, which is lower than the ALLY Sharpe Ratio of 0.62. The chart below compares the historical Sharpe Ratios of FCNCA and ALLY, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FCNCA	ALLY	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.24	0.62	-0.38
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.43	-0.07	+0.50
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.61	0.30	+0.31
Sharpe Ratio (All Time) Calculated using the full available price history	0.42	0.18	+0.24

Drawdowns

FCNCA vs. ALLY - Drawdown Comparison

The maximum FCNCA drawdown since its inception was -63.51%, roughly equal to the maximum ALLY drawdown of -66.24%. Use the drawdown chart below to compare losses from any high point for FCNCA and ALLY.

Drawdown Indicators

	FCNCA	ALLY	Difference
Max Drawdown Largest peak-to-trough decline	-63.51%	-66.24%	+2.73%
Max Drawdown (1Y) Largest decline over 1 year	-24.00%	-23.04%	-0.96%
Max Drawdown (3Y) Largest decline over 3 years	-33.51%	-31.60%	-1.91%
Max Drawdown (5Y) Largest decline over 5 years	-43.63%	-58.08%	+14.45%
Max Drawdown (10Y) Largest decline over 10 years	-47.48%	-66.24%	+18.76%
Current Drawdown Current decline from peak	-16.33%	-14.05%	-2.28%
Average Drawdown Average peak-to-trough decline	-13.96%	-20.38%	+6.42%
Ulcer Index Depth and duration of drawdowns from previous peaks	11.12%	9.24%	+1.88%

Volatility

FCNCA vs. ALLY - Volatility Comparison

The current volatility for First Citizens BancShares, Inc. (FCNCA) is 6.75%, while Ally Financial Inc. (ALLY) has a volatility of 8.67%. This indicates that FCNCA experiences smaller price fluctuations and is considered to be less risky than ALLY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FCNCA	ALLY	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.75%	8.67%	-1.92%
Volatility (6M) Calculated over the trailing 6-month period	19.98%	21.74%	-1.76%
Volatility (1Y) Calculated over the trailing 1-year period	27.49%	29.41%	-1.92%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	41.69%	38.48%	+3.21%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	38.08%	39.58%	-1.50%

Dividends

FCNCA vs. ALLY - Dividend Comparison

FCNCA's dividend yield for the trailing twelve months is around 0.42%, less than ALLY's 2.93% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ALLY Ally Financial Inc.	2.93%	2.65%	3.33%	3.44%	4.91%	1.85%	2.13%	2.23%	2.47%	1.37%	0.84%	0.00%
FCNCA First Citizens BancShares, Inc.	0.42%	0.37%	0.33%	0.27%	0.28%	0.23%	0.29%	0.30%	0.38%	0.31%	0.34%	0.46%

Financials

FCNCA vs. ALLY - Profitability Comparison

The chart below illustrates the profitability comparison between First Citizens BancShares, Inc. and Ally Financial Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

FCNCA - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, First Citizens BancShares, Inc. reported a gross profit of 2.31B and revenue of 3.48B. Therefore, the gross margin over that period was 66.5%.

ALLY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Ally Financial Inc. reported a gross profit of 1.90B and revenue of 3.89B. Therefore, the gross margin over that period was 49.0%.

FCNCA - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, First Citizens BancShares, Inc. reported an operating income of 705.00M and revenue of 3.48B, resulting in an operating margin of 20.3%.

ALLY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Ally Financial Inc. reported an operating income of 400.00M and revenue of 3.89B, resulting in an operating margin of 10.3%.

FCNCA - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, First Citizens BancShares, Inc. reported a net income of 534.00M and revenue of 3.48B, resulting in a net margin of 15.4%.

ALLY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Ally Financial Inc. reported a net income of 319.00M and revenue of 3.89B, resulting in a net margin of 8.2%.

Frequently Asked Questions

Can I hold both FCNCA and ALLY in my portfolio?

FCNCA and ALLY have a correlation of 0.61, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FCNCA or ALLY?

ALLY has higher volatility (8.67%) compared to FCNCA (6.75%). In terms of maximum drawdown, FCNCA dropped -63.51% vs ALLY's -66.24%.

Which has better risk-adjusted returns?

ALLY currently has the higher Sharpe Ratio (0.62 vs 0.24), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.