MCB vs. FCNCA
MCB (Metropolitan Bank Holding Corp.) and FCNCA (First Citizens BancShares, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, MCB returned 8.95%/yr vs 20.19%/yr for FCNCA. A 0.51 correlation means they provide meaningful diversification when combined.
Performance
MCB vs. FCNCA - Performance Comparison
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Returns By Period
In the year-to-date period, MCB achieves a 27.76% return, which is significantly higher than FCNCA's -1.43% return.
MCB
- 1D
- 2.69%
- 1M
- 6.41%
- YTD
- 27.76%
- 6M
- 24.48%
- 1Y
- 46.15%
- 3Y*
- 45.27%
- 5Y*
- 8.95%
- 10Y*
- —
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%
MCB vs. FCNCA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
MCB Metropolitan Bank Holding Corp. | 27.76% | 31.32% | 5.45% | -5.61% | -44.93% | 193.71% | -24.80% | 56.34% | -26.72% | 8.09% |
FCNCA First Citizens BancShares, Inc. | -1.43% | 1.99% | 49.46% | 87.73% | -8.35% | 44.83% | 8.35% | 41.64% | -6.12% | 1.73% |
Correlation
The correlation between MCB and FCNCA is 0.59, 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 | 0.59 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.49 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.51 |
Correlation (All Time) Calculated using the full available price history since Nov 8, 2017 | 0.51 |
The correlation between MCB and FCNCA has been stable across timeframes, ranging from 0.49 to 0.59 - a consistent structural relationship.
Fundamentals
MCB:
$1.04B
FCNCA:
$25.18B
MCB:
$8.12
FCNCA:
$179.22
MCB:
11.95
FCNCA:
11.78
MCB:
5.83
FCNCA:
0.05
MCB:
1.91
FCNCA:
1.84
MCB:
1.10
FCNCA:
1.24
MCB:
$539.67M
FCNCA:
$14.45B
MCB:
$211.43M
FCNCA:
$9.08B
MCB:
$72.78M
FCNCA:
$3.47B
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Return for Risk
MCB vs. FCNCA — Risk / Return Rank
MCB
FCNCA
MCB vs. FCNCA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Metropolitan Bank Holding Corp. (MCB) 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.
| MCB | FCNCA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.95 | ||
| Sortino ratioReturn per unit of downside risk | +1.33 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.10 | +0.17 |
| Calmar ratioReturn relative to maximum drawdown | 2.48 | 0.51 | +1.97 |
| Martin ratioReturn relative to average drawdown | 5.53 | 1.09 | +4.44 |
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Drawdowns
MCB vs. FCNCA - Drawdown Comparison
The maximum MCB drawdown since its inception was -82.30%, which is greater than FCNCA's maximum drawdown of -63.51%. Use the drawdown chart below to compare losses from any high point for MCB and FCNCA.
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Drawdown Indicators
| MCB | FCNCA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -82.30% | -63.51% | -18.79% |
Max Drawdown (1Y)Largest decline over 1 year | -18.71% | -24.00% | +5.29% |
Max Drawdown (3Y)Largest decline over 3 years | -42.34% | -33.51% | -8.83% |
Max Drawdown (5Y)Largest decline over 5 years | -82.30% | -43.63% | -38.67% |
Max Drawdown (10Y)Largest decline over 10 years | — | -47.48% | — |
Current DrawdownCurrent decline from peak | -12.70% | -9.65% | -3.05% |
Average DrawdownAverage peak-to-trough decline | -33.42% | -13.96% | -19.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.36% | 11.17% | -2.81% |
Volatility
MCB vs. FCNCA - Volatility Comparison
Metropolitan Bank Holding Corp. (MCB) has a higher volatility of 8.27% compared to First Citizens BancShares, Inc. (FCNCA) at 7.41%. This indicates that MCB'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
| MCB | FCNCA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.27% | 7.41% | +0.86% |
Volatility (6M)Calculated over the trailing 6-month period | 25.15% | 20.10% | +5.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 33.51% | 27.61% | +5.90% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 59.02% | 41.57% | +17.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.21% | 38.01% | +18.20% |
Dividends
MCB vs. FCNCA - Dividend Comparison
MCB's dividend yield for the trailing twelve months is around 0.77%, more than FCNCA's 0.39% yield.
| 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% |
MCB Metropolitan Bank Holding Corp. | 0.77% | 0.39% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
MCB vs. FCNCA - Financials Comparison
This section allows you to compare key financial metrics between Metropolitan Bank Holding Corp. 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
MCB vs. FCNCA - Profitability Comparison
MCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Metropolitan Bank Holding Corp. reported a gross profit of 0.00 and revenue of 134.93M. 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 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%.
MCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Metropolitan Bank Holding Corp. reported an operating income of 0.00 and revenue of 134.93M, 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 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%.
MCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Metropolitan Bank Holding Corp. reported a net income of 31.43M and revenue of 134.93M, resulting in a net margin of 23.3%.
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%.
Frequently Asked Questions
MCB and FCNCA have a correlation of 0.59, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
MCB has higher volatility (8.27%) compared to FCNCA (7.41%). In terms of maximum drawdown, MCB dropped -82.30% vs FCNCA's -63.51%.
MCB currently has the higher Sharpe Ratio (1.39 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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