FCNCA vs. PNC
Compare and contrast key facts about First Citizens BancShares, Inc. (FCNCA) and The PNC Financial Services Group, Inc. (PNC).
Performance
FCNCA vs. PNC - Performance Comparison
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FCNCA vs. PNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FCNCA First Citizens BancShares, Inc. | -11.64% | 1.99% | 49.46% | 87.73% | -8.35% | 44.83% | 8.35% | 41.64% | -6.12% | 13.92% |
PNC The PNC Financial Services Group, Inc. | 1.01% | 12.24% | 29.39% | 2.71% | -18.59% | 38.18% | -2.78% | 40.91% | -16.98% | 25.95% |
Fundamentals
FCNCA:
$23.42B
PNC:
$82.44B
FCNCA:
$172.12
PNC:
$17.53
FCNCA:
11.01
PNC:
11.94
FCNCA:
0.04
PNC:
1.61
FCNCA:
1.67
PNC:
2.64
FCNCA:
1.12
PNC:
1.36
FCNCA:
$14.50B
PNC:
$31.34B
FCNCA:
$8.91B
PNC:
$22.46B
FCNCA:
$3.40B
PNC:
$8.58B
Returns By Period
In the year-to-date period, FCNCA achieves a -11.64% return, which is significantly lower than PNC's 1.01% return. Over the past 10 years, FCNCA has outperformed PNC with an annualized return of 22.91%, while PNC has yielded a comparatively lower 13.00% annualized return.
FCNCA
- 1D
- 0.52%
- 1M
- -2.85%
- YTD
- -11.64%
- 6M
- 7.88%
- 1Y
- 4.33%
- 3Y*
- 25.33%
- 5Y*
- 18.18%
- 10Y*
- 22.91%
PNC
- 1D
- 0.55%
- 1M
- -2.33%
- YTD
- 1.01%
- 6M
- 7.23%
- 1Y
- 24.18%
- 3Y*
- 22.89%
- 5Y*
- 7.17%
- 10Y*
- 13.00%
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Return for Risk
FCNCA vs. PNC — Risk / Return Rank
FCNCA
PNC
FCNCA vs. PNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for First Citizens BancShares, Inc. (FCNCA) and The PNC Financial Services Group, Inc. (PNC). 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 | PNC | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.13 | 0.95 | -0.82 |
Sortino ratioReturn per unit of downside risk | 0.39 | 1.37 | -0.98 |
Omega ratioGain probability vs. loss probability | 1.06 | 1.19 | -0.14 |
Calmar ratioReturn relative to maximum drawdown | 0.11 | 1.36 | -1.25 |
Martin ratioReturn relative to average drawdown | 0.24 | 3.17 | -2.93 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FCNCA | PNC | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.13 | 0.95 | -0.82 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.44 | 0.26 | +0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.60 | 0.44 | +0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.42 | 0.29 | +0.13 |
Correlation
The correlation between FCNCA and PNC is 0.42, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
FCNCA vs. PNC - Dividend Comparison
FCNCA's dividend yield for the trailing twelve months is around 0.43%, less than PNC's 3.20% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FCNCA First Citizens BancShares, Inc. | 0.43% | 0.37% | 0.33% | 0.27% | 0.28% | 0.23% | 0.29% | 0.30% | 0.38% | 0.31% | 0.34% | 0.46% |
PNC The PNC Financial Services Group, Inc. | 3.20% | 3.16% | 3.27% | 3.94% | 3.64% | 2.39% | 3.09% | 2.63% | 2.91% | 1.80% | 1.81% | 2.11% |
Drawdowns
FCNCA vs. PNC - Drawdown Comparison
The maximum FCNCA drawdown since its inception was -63.51%, smaller than the maximum PNC drawdown of -76.65%. Use the drawdown chart below to compare losses from any high point for FCNCA and PNC.
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Drawdown Indicators
| FCNCA | PNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -63.51% | -76.65% | +13.14% |
Max Drawdown (1Y)Largest decline over 1 year | -24.00% | -17.21% | -6.79% |
Max Drawdown (5Y)Largest decline over 5 years | -43.63% | -47.98% | +4.35% |
Max Drawdown (10Y)Largest decline over 10 years | -47.48% | -49.58% | +2.10% |
Current DrawdownCurrent decline from peak | -19.01% | -13.71% | -5.30% |
Average DrawdownAverage peak-to-trough decline | -13.95% | -15.72% | +1.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.74% | 7.38% | +3.36% |
Volatility
FCNCA vs. PNC - Volatility Comparison
First Citizens BancShares, Inc. (FCNCA) has a higher volatility of 7.72% compared to The PNC Financial Services Group, Inc. (PNC) at 5.83%. This indicates that FCNCA's price experiences larger fluctuations and is considered to be riskier than PNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FCNCA | PNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.72% | 5.83% | +1.89% |
Volatility (6M)Calculated over the trailing 6-month period | 21.47% | 16.81% | +4.66% |
Volatility (1Y)Calculated over the trailing 1-year period | 33.50% | 25.64% | +7.86% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 41.86% | 27.17% | +14.69% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.05% | 29.69% | +8.36% |
Financials
FCNCA vs. PNC - Financials Comparison
This section allows you to compare key financial metrics between First Citizens BancShares, Inc. and The PNC Financial Services Group, 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. PNC - Profitability Comparison
FCNCA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, First Citizens BancShares, Inc. reported a gross profit of 2.27B and revenue of 3.66B. Therefore, the gross margin over that period was 62.1%.
PNC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, The PNC Financial Services Group, Inc. reported a gross profit of 6.07B and revenue of 6.07B. Therefore, the gross margin over that period was 100.0%.
FCNCA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, First Citizens BancShares, Inc. reported an operating income of 811.00M and revenue of 3.66B, resulting in an operating margin of 22.2%.
PNC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, The PNC Financial Services Group, Inc. reported an operating income of 2.33B and revenue of 6.07B, resulting in an operating margin of 38.4%.
FCNCA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, First Citizens BancShares, Inc. reported a net income of 580.00M and revenue of 3.66B, resulting in a net margin of 15.9%.
PNC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, The PNC Financial Services Group, Inc. reported a net income of 2.02B and revenue of 6.07B, resulting in a net margin of 33.3%.