FCNCA vs. ALLY
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 24.72%/yr vs 14.18%/yr for ALLY. A 0.54 correlation means they provide meaningful diversification when combined.
Performance
FCNCA vs. ALLY - Performance Comparison
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Returns By Period
In the year-to-date period, FCNCA achieves a -1.43% return, which is significantly lower than ALLY's 1.27% return. Over the past 10 years, FCNCA has outperformed ALLY with an annualized return of 24.72%, while ALLY has yielded a comparatively lower 14.18% annualized return.
FCNCA
- 1D
- 1.25%
- 1M
- 6.12%
- YTD
- -1.43%
- 6M
- -2.42%
- 1Y
- 12.20%
- 3Y*
- 20.90%
- 5Y*
- 20.19%
- 10Y*
- 24.72%
ALLY
- 1D
- -0.75%
- 1M
- 6.80%
- YTD
- 1.27%
- 6M
- -1.22%
- 1Y
- 25.87%
- 3Y*
- 23.76%
- 5Y*
- 0.99%
- 10Y*
- 14.18%
FCNCA vs. ALLY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FCNCA First Citizens BancShares, Inc. | -1.43% | 1.99% | 49.46% | 87.73% | -8.35% | 44.83% | 8.35% | 41.64% | -6.12% | 13.92% |
ALLY Ally Financial Inc. | 1.27% | 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 0.58, 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 | 0.58 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.51 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.55 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.58 |
Correlation (All Time) Calculated using the full available price history since Apr 10, 2014 | 0.54 |
The correlation between FCNCA and ALLY has been stable across timeframes, ranging from 0.51 to 0.58 - a consistent structural relationship.
Fundamentals
FCNCA:
$25.18B
ALLY:
$14.17B
FCNCA:
$179.22
ALLY:
$4.45
FCNCA:
11.78
ALLY:
10.16
FCNCA:
1.84
ALLY:
0.91
FCNCA:
1.24
ALLY:
1.07
FCNCA:
$14.45B
ALLY:
$15.65B
FCNCA:
$9.08B
ALLY:
$7.65B
FCNCA:
$3.47B
ALLY:
$2.77B
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Return for Risk
FCNCA vs. ALLY — Risk / Return Rank
FCNCA
ALLY
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FCNCA | ALLY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.43 | ||
| Sortino ratioReturn per unit of downside risk | -0.63 | ||
| Omega ratioGain probability vs. loss probability | 1.10 | 1.17 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | 0.51 | 1.13 | -0.62 |
| Martin ratioReturn relative to average drawdown | 1.09 | 2.78 | -1.69 |
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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.
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Drawdown Indicators
| FCNCA | ALLY | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -9.65% | -5.02% | -4.63% |
Average DrawdownAverage peak-to-trough decline | -13.96% | -20.32% | +6.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.17% | 9.32% | +1.85% |
Volatility
FCNCA vs. ALLY - Volatility Comparison
The current volatility for First Citizens BancShares, Inc. (FCNCA) is 7.41%, while Ally Financial Inc. (ALLY) has a volatility of 8.50%. 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.
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Volatility by Period
| FCNCA | ALLY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.41% | 8.50% | -1.09% |
Volatility (6M)Calculated over the trailing 6-month period | 20.10% | 21.96% | -1.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 27.61% | 29.82% | -2.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 41.57% | 38.51% | +3.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.01% | 39.52% | -1.51% |
Dividends
FCNCA vs. ALLY - Dividend Comparison
FCNCA's dividend yield for the trailing twelve months is around 0.39%, less than ALLY's 2.65% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc. | 2.65% | 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. | 0.39% | 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 - Financials Comparison
This section allows you to compare key financial metrics between First Citizens BancShares, Inc. and Ally Financial Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FCNCA vs. ALLY - Profitability Comparison
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
FCNCA and ALLY have a correlation of 0.58, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ALLY has higher volatility (8.50%) compared to FCNCA (7.41%). In terms of maximum drawdown, FCNCA dropped -63.51% vs ALLY's -66.24%.
ALLY currently has the higher Sharpe Ratio (0.87 vs 0.44), 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.
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