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FCNCA vs ZION
Which Stock Would AI Choose? First Citizens BancShares (FCNCA) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- FCNCA commands a larger market capitalization of approximately $24 billion compared to ZION's $9 billion, reflecting its bigger scale in regional banking.
- ZION trades at a lower trailing P/E ratio (price-to-earnings, 10.44) versus FCNCA's 12.47, suggesting relatively better valuation.
- Recent quarterly earnings for ZION showed revenue growth of 6.7% year-over-year, topping estimates, while FCNCA prepares for its next report amid stable performance.
- ZION offers a higher dividend yield (2.87%) than FCNCA's 0.41%, appealing to income-focused investors.
- Both banks maintain strong profitability, with ZION's ROE (return on equity, 13.52%) surpassing FCNCA's 9.92%.
Introduction
This stock comparison examines FCNCA and ZION, two prominent regional bank holding companies navigating the current interest rate environment and economic shifts. Investors and traders interested in the financial sector may find value in assessing their relative performance, valuation metrics, and growth trajectories. As regional banks face pressures from loan demand fluctuations and deposit competition, understanding how these stocks stack up in terms of momentum, profitability, and risk exposure can inform portfolio positioning amid broader market volatility. This analysis draws on recent market data to highlight key contrasts.
FCNCA Overview and Recent Performance
First Citizens BancShares, Inc. (FCNCA) operates as the holding company for First-Citizens Bank & Trust Company, delivering retail and commercial banking services across the U.S. With a market cap near $24 billion, it emphasizes diversified lending and wealth management. In recent market activity, the stock has shown resilience, posting a year-to-date gain of about 4% and a one-year return of over 20%, trading around $2,060 within its 52-week range of $1,624 to $2,232. Sentiment has been supported by prior quarter revenue beats and stable net interest income (NII, revenue from interest-bearing assets), though earnings growth moderated in recent quarters. Upcoming earnings reports are anticipated to reflect ongoing integration from past acquisitions, influencing investor focus on asset quality and ROE (return on equity).
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION) is a financial services firm with approximately $89 billion in assets, providing full-service banking through subsidiaries in multiple Western and Southwestern states. Its market cap stands at roughly $9 billion. Recent weeks have seen positive momentum, with shares around $63 amid a 52-week range influenced by sector trends. The latest quarterly results highlighted revenue up 6.7% year-over-year to $860 million, surpassing estimates despite some misses elsewhere, driven by higher NII (net interest income) and controlled expenses. Performance reflects improved loan growth and deposit stability, bolstering sentiment in a competitive regional banking landscape.
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Head-to-Head Comparison
Both FCNCA and ZION operate similar business models as regional bank holding companies, focusing on commercial and retail lending with exposure to real estate and business loans. However, FCNCA benefits from greater scale and diversification post-acquisitions, evident in its higher revenue ($9B ttm) but faces higher debt levels. ZION counters with nimbler operations, quarterly revenue growth of 13.6%, and superior ROE (13.52% vs. 9.92%).
Recent momentum favors ZION post-earnings beats, while FCNCA exhibits steadier trends. Risk factors include interest rate sensitivity and non-performing loans (NCOs, net charge-offs), with both maintaining solid CET1 (Common Equity Tier 1 capital ratios). Market sentiment leans toward ZION for value (lower P/E, higher yield), contrasting FCNCA's growth stability trade-off.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward ZION with moderate confidence, citing its attractive valuation (trailing P/E of 10.44), recent earnings momentum, higher ROE, and dividend yield amid stable sector catalysts. While FCNCA offers scale advantages, ZION's relative positioning suggests stronger near-term trend consistency and upside potential in the current banking environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FCNCA is a Hold and ZION is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FCNCA’s FA Score shows that 2 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- FCNCA’s FA Score: 2 green, 3 red.
- ZION’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FCNCA’s TA Score shows that 6 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- FCNCA’s TA Score: 6 bullish, 4 bearish.
- ZION’s TA Score: 4 bullish, 4 bearish.
Price Growth
FCNCA (@Regional Banks) experienced а +0.85% price change this week, while ZION (@Regional Banks) price change was +1.27% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
FCNCA is expected to report earnings on Aug 04, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FCNCA | ZION | FCNCA / ZION | |
| Capitalization | 24.2B | 10.1B | 240% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -2.585 | 16.343 | -16% |
| P/E Ratio | 12.02 | 10.42 | 115% |
| Revenue | 9.27B | 3.44B | 270% |
| Total Cash | 801M | 683M | 117% |
| Total Debt | 34.1B | 1.96B | 1,737% |
FCNCA | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 9 | 39 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 76 Overvalued | 64 Fair valued | |
PROFIT vs RISK RATING 1..100 | 30 | 73 | |
SMR RATING 1..100 | 8 | 13 | |
PRICE GROWTH RATING 1..100 | 49 | 18 | |
P/E GROWTH RATING 1..100 | 40 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ZION's Valuation (64) in the Regional Banks industry is in the same range as FCNCA (76). This means that ZION’s stock grew similarly to FCNCA’s over the last 12 months.
FCNCA's Profit vs Risk Rating (30) in the Regional Banks industry is somewhat better than the same rating for ZION (73). This means that FCNCA’s stock grew somewhat faster than ZION’s over the last 12 months.
FCNCA's SMR Rating (8) in the Regional Banks industry is in the same range as ZION (13). This means that FCNCA’s stock grew similarly to ZION’s over the last 12 months.
ZION's Price Growth Rating (18) in the Regional Banks industry is in the same range as FCNCA (49). This means that ZION’s stock grew similarly to FCNCA’s over the last 12 months.
FCNCA's P/E Growth Rating (40) in the Regional Banks industry is in the same range as ZION (45). This means that FCNCA’s stock grew similarly to ZION’s over the last 12 months.
| FCNCA | ZION | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 84% | 2 days ago 72% |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 74% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 67% | 2 days ago 80% |
| TrendWeek ODDS (%) | 2 days ago 63% | 2 days ago 64% |
| TrendMonth ODDS (%) | 2 days ago 62% | 2 days ago 64% |
| Advances ODDS (%) | 13 days ago 66% | 2 days ago 67% |
| Declines ODDS (%) | 6 days ago 60% | 6 days ago 68% |
| BollingerBands ODDS (%) | 2 days ago 66% | 2 days ago 67% |
| Aroon ODDS (%) | 2 days ago 56% | 2 days ago 63% |
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FCNCA and
Correlation & Price change
A.I.dvisor indicates that over the last year, FCNCA has been closely correlated with ZION. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if FCNCA jumps, then ZION could also see price increases.
| Ticker / NAME | Correlation To FCNCA | 1D Price Change % | ||
|---|---|---|---|---|
| FCNCA | 100% | +0.71% | ||
| ZION - FCNCA | 77% Closely correlated | +1.42% | ||
| FNB - FCNCA | 76% Closely correlated | +0.71% | ||
| ASB - FCNCA | 74% Closely correlated | +0.62% | ||
| ONB - FCNCA | 72% Closely correlated | +0.85% | ||
| FULT - FCNCA | 71% Closely correlated | +0.66% | ||
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ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with FNB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | +1.42% | ||
| FNB - ZION | 91% Closely correlated | +0.71% | ||
| ONB - ZION | 88% Closely correlated | +0.85% | ||
| CFG - ZION | 87% Closely correlated | +1.36% | ||
| KEY - ZION | 87% Closely correlated | +1.06% | ||
| ASB - ZION | 87% Closely correlated | +0.62% | ||
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