FINW vs. FCNCA
FINW (FinWise Bancorp) and FCNCA (First Citizens BancShares, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 3 years, FINW returned 17.07%/yr vs 18.23%/yr for FCNCA. At a 0.19 correlation, their price movements are largely independent.
Performance
FINW vs. FCNCA - Performance Comparison
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Returns By Period
In the year-to-date period, FINW achieves a -22.63% return, which is significantly lower than FCNCA's -2.29% return.
FINW
- 1D
- -1.28%
- 1M
- -5.71%
- 6M
- -21.18%
- YTD
- -22.63%
- 1Y
- -9.58%
- 3Y*
- 17.07%
- 5Y*
- —
- 10Y*
- —
FCNCA
- 1D
- 0.46%
- 1M
- -0.76%
- 6M
- -3.60%
- YTD
- -2.29%
- 1Y
- -0.77%
- 3Y*
- 18.23%
- 5Y*
- 21.71%
- 10Y*
- 23.47%
FINW vs. FCNCA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
FINW FinWise Bancorp | -22.63% | 12.27% | 11.67% | 54.54% | -32.85% | 10.32% |
FCNCA First Citizens BancShares, Inc. | -2.29% | 1.99% | 49.46% | 87.73% | -8.35% | 0.41% |
Correlation
The correlation between FINW and FCNCA is 0.26, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.26 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.24 |
Correlation (All Time) Calculated using the full available price history since Nov 19, 2021 | 0.19 |
Fundamentals
FINW:
$190.24M
FCNCA:
$24.25B
FINW:
$1.15
FCNCA:
$182.32
FINW:
12.10
FCNCA:
11.48
FINW:
1.20
FCNCA:
1.79
FINW:
0.96
FCNCA:
1.23
FINW:
$157.91M
FCNCA:
$14.45B
FINW:
$73.09M
FCNCA:
$9.08B
FINW:
$19.60M
FCNCA:
$3.47B
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Return for Risk
FINW vs. FCNCA — Risk / Return Rank
FINW
FCNCA
FINW vs. FCNCA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for FinWise Bancorp (FINW) and First Citizens BancShares, Inc. (FCNCA). 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.
| FINW | FCNCA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.28 | ||
| Sortino ratioReturn per unit of downside risk | -0.36 | ||
| Omega ratioGain probability vs. loss probability | 0.97 | 1.01 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | -0.28 | -0.06 | -0.22 |
| Martin ratioReturn relative to average drawdown | -0.50 | -0.13 | -0.37 |
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Drawdowns
FINW vs. FCNCA - Drawdown Comparison
The maximum FINW drawdown since its inception was -63.35%, roughly equal to the maximum FCNCA drawdown of -63.51%. Use the drawdown chart below to compare losses from any high point for FINW and FCNCA.
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Drawdown Indicators
| FINW | FCNCA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -63.35% | -63.51% | +0.16% |
Max Drawdown (1Y)Largest decline over 1 year | -42.29% | -24.00% | -18.29% |
Max Drawdown (3Y)Largest decline over 3 years | -42.29% | -33.51% | -8.78% |
Max Drawdown (5Y)Largest decline over 5 years | — | -43.63% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -47.48% | — |
Current DrawdownCurrent decline from peak | -38.28% | -10.44% | -27.84% |
Average DrawdownAverage peak-to-trough decline | -36.16% | -13.95% | -22.21% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.85% | 11.23% | +12.62% |
Volatility
FINW vs. FCNCA - Volatility Comparison
FinWise Bancorp (FINW) has a higher volatility of 11.17% compared to First Citizens BancShares, Inc. (FCNCA) at 5.70%. This indicates that FINW's price experiences larger fluctuations and is considered to be riskier than FCNCA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FINW | FCNCA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.17% | 5.70% | +5.47% |
Volatility (6M)Calculated over the trailing 6-month period | 24.83% | 20.45% | +4.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 36.56% | 27.41% | +9.15% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 38.73% | 41.49% | -2.76% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.73% | 37.91% | +0.82% |
Dividends
FINW vs. FCNCA - Dividend Comparison
FINW has not paid dividends to shareholders, while FCNCA's dividend yield for the trailing twelve months is around 0.39%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
FINW FinWise Bancorp | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
FINW vs. FCNCA - Financials Comparison
This section allows you to compare key financial metrics between FinWise Bancorp and First Citizens BancShares, 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
FINW vs. FCNCA - Profitability Comparison
FINW - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, FinWise Bancorp reported a gross profit of 0.00 and revenue of 33.54M. Therefore, the gross margin over that period was 0.0%.
FCNCA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 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%.
FINW - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, FinWise Bancorp reported an operating income of 0.00 and revenue of 33.54M, resulting in an operating margin of 0.0%.
FCNCA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 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%.
FINW - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, FinWise Bancorp reported a net income of 2.74M and revenue of 33.54M, resulting in a net margin of 8.2%.
FCNCA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 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%.
Frequently Asked Questions
FINW and FCNCA have a correlation of 0.26, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FINW has higher volatility (11.17%) compared to FCNCA (5.70%). In terms of maximum drawdown, FINW dropped -63.35% vs FCNCA's -63.51%.
FCNCA currently has the higher Sharpe Ratio (-0.05 vs -0.33), 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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