First Citizens Bancshares Inc /De/
—Price / book
Market cap
—
Tangible equity (USD)
$21.70B
Price / tangible book
—
Price / book
—
Net income / ending equity
9.9%
Net income / ending assets
1.0%
Efficiency ratio
63.5%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt capMarket cap $184.24B
Decision snapshot: FCNCA stock price at discount vs SCHW $2.13K current versus $3.79K 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 SCHW's multiple
Implied fair value · at FCNCA's multiple
Snapshot Sep 9, 2026, 4:00 PM ET
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
Less efficient
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Eight period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
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 (USD)
$21.70B
Price / tangible book
—
Price / book
—
Net income / ending equity
9.9%
Net income / ending assets
1.0%
Efficiency ratio
63.5%
Price / tangible book
Market cap
$184.24B
Tangible equity (USD)
$30.24B
Price / tangible book
6.09x
Price / book
3.73x
Net income / ending equity
17.9%
Net income / ending assets
1.8%
Efficiency ratio
52.1%
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.
SCHWAB CHARLES CORP · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
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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FCNCA vs PNC
Truist Financial Corporation
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U.S. Bancorp
FCNCA vs USB
Huntington Bancshares Incorporated
FCNCA vs HBAN
Morgan Stanley
FCNCA vs MS
The Goldman Sachs Group, Inc.
FCNCA vs GS
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
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