First Citizens BancShares vs Huntington Bancshares
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KIRAβs take AI analyst
I put First Citizens BancShares and Huntington Bancshares side by side, using each oneβs latest annual report. Here is what stands out:
- First Citizens BancShares is the larger business, with $9.5B of revenue in fiscal 2025 against $8.2B for Huntington Bancshares.
- Huntington Bancshares grew revenue faster (10.6%, against β2.2%).
- Investors pay more for each dollar of First Citizens BancSharesβs earnings: a P/E of 12.6x against 12.1x for Huntington Bancshares.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
First Citizens BancShares
FCNCA
2/5
5-year growthShare count change
Huntington Bancshares
HBAN
3/5
Revenue growthNet marginReturn on equity
Side by side
Best in the row
| Latest fiscal year | FCNCA FY25 | HBAN FY25 |
|---|---|---|
| Size | ||
| Market cap | $30.5B | $23.7B |
| Revenue | $9.5B | $8.2B |
| Free cash flow | β | β |
| Net income | $2.2B | $2.2B |
| Growth | ||
| Revenue growth | β2.2% | 10.6% |
| 5-year growth | 38.6% | 11.1% |
| Share count change | β9.3% | 1.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 23.1% | 27.1% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 9.9% | 10.0% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $3.2B | $908M |
| Valuation & quality | ||
| P/E | 12.6x | 12.1x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.

