COMP <GO>
FCNCA vs BAC // 10Y YIELD & FRED MACRO BETA
First Citizens BancShares Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: FCNCA 6
— BAC 7
▲ 10Y YIELD & FRED MACRO BETA LEADER: FCNCA
LAST: $2,352.64 (-1.25%) • MKT CAP: $26.91B
macro-sensitivity
1.09
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
macro-sensitivity
0.90
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FCNCA VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FCNCA | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.60% | 2.50% | +0.10 | FCNCA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.2x | 30.2x | -4.00 | FCNCA | /valuation <GO> |
| Free Cash Flow Yield | 8.22% | 2.10% | +6.12 | FCNCA | /fcf-yield <GO> |
| Operating Margin | 28.20% | 32.90% | -4.70 | BAC | /operating-margins <GO> |
| Net Profit Margin | 23.10% | 27.00% | -3.90 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | -2.20% | 6.80% | -9.00 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.60% | 0.00% | +0.60 | FCNCA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.20% | 6.60% | +0.60 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 68.1 | 27.7 | +40.46 | FCNCA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 1.09 | 0.90 | +0.19 | FCNCA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.3x | 10.9x | +0.40 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $26.91B | $357.61B | -$330.70B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FCNCA REV | BAC REV | FCNCA GROSS % | BAC GROSS % | FCNCA FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $9.54B | $113.10B | 44.0% | 44.0% | $2.21B | $7.52B |
| FY 2024 | $9.76B | $105.86B | 44.0% | 44.0% | $2.56B | -$13.57B |
| FY 2023 | $18.79B | $102.77B | 44.0% | 44.0% | $1.81B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FCNCA // BETA 1.09
BAC // BETA 0.90