First Citizens Bancshares Inc /De/
—Price / book
Market cap
—
Tangible equity
$21.70B
Price / tangible book
—
Price / book
—
Return on equity
9.9%
Return on assets
1.0%
Efficiency ratio
41.8%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt capMarket cap $856.52B · View financials
Decision snapshot: FCNCA stock price vs JPM: inconclusive — current versus $2.66K implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at JPM's multiple
Implied fair value · at FCNCA's multiple
Needs FCNCA P/E.
Close Dec 31, 2025
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
More efficient
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: FCNCA FY 2025 (ended Dec 31, 2025) · JPM FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
—
Tangible equity
$21.70B
Price / tangible book
—
Price / book
—
Return on equity
9.9%
Return on assets
1.0%
Efficiency ratio
41.8%
Price / tangible book
Market cap
$856.52B
Tangible equity
$306.21B
Price / tangible book
2.80x
Price / book
2.36x
Return on equity
15.7%
Return on assets
1.3%
Efficiency ratio
109.9%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
FIRST CITIZENS BANCSHARES INC /DE/ · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
JPMORGAN CHASE & CO · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
1.62x
0.18x
Total debt
Interest-bearing obligations outstanding
$36.01B
$64.78B
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
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LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
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