First Citizens BancShares (FCNCA) vs HDFC Bank (HDB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
First Citizens BancShares (FCNCA) has outperformed HDFC Bank (HDB) over the past year, gaining 17.1% versus a loss of 36.6%. Over five years, FCNCA leads with a +142.5% price change compared with -41.6% for HDB. HDFC Bank is the larger company by market cap ($111.66 billion vs $23.05 billion), about 4.8 times the size.
On valuation, First Citizens BancShares trades at a lower forward P/E (10.1x vs 15.6x for HDFC Bank). HDFC Bank offers the higher dividend yield (59.84% vs 0.40%). HDFC Bank converts more of its revenue into profit, with a net margin of 30.8% versus 23.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FCNCA | HDB |
|---|---|---|
| Share price | $2,041.11 | $21.73 |
| Market cap | $23.05B | $111.66B |
| 1-day change | -1.47% | -1.87% |
| YTD return | -3.48% | -39.41% |
| 1-year return | +17.14% | -36.58% |
| 5-year return | +142.49% | -41.55% |
| P/E ratio (TTM) | 10.94 | 14.02 |
| Forward P/E | 10.10 | 15.62 |
| EPS (TTM) | $186.57 | $1.55 |
| Dividend yield | 0.40% | 59.84% |
| Annual dividend | $8.25 | $13.00 |
| Revenue (latest FY) | $9.54B | $25.64B |
| Revenue growth (YoY) | -2.22% | +15.25% |
| Net income (latest FY) | $2.21B | $7.88B |
| Net margin | 23.12% | 30.75% |
| 52-week high | $2,296.30 | $37.45 |
| 52-week low | $1,623.76 | $21.71 |
| Distance from 52-week high | -11.11% | -41.99% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +14.47% | +40.53% |
| Average volume | 66.95K | 9.79M |
| Shares outstanding | 10.29M | 5.14B |
| Employees | 17,876 | 212,958 |
| Sector | Finance | Finance |
| Industry | Major Banks | Commercial Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HDFC Bank is about 4.8 times larger than First Citizens BancShares by market value ($111.66B vs $23.05B).
- FCNCA has outperformed HDB by 53.7 percentage points over the past year.
- HDFC Bank trades at a higher earnings multiple (14.0x vs 10.9x trailing P/E).
- HDFC Bank offers a meaningfully higher dividend yield (59.84% vs 0.40%).
- HDFC Bank is more profitable, keeping 30.8 cents of every revenue dollar as net income versus 23.1 cents for First Citizens BancShares.
- HDFC Bank grew revenue faster in its latest fiscal year (+15.25% vs -2.22%).
About First Citizens BancShares
FCNCA stock →First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally.
Finance · Major Banks · 17,876 employees
About HDFC Bank
HDB stock →HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments.
Finance · Commercial Banks · 212,958 employees
FCNCA vs HDB FAQ
Which is bigger, First Citizens BancShares or HDFC Bank?
HDFC Bank (HDB) is larger, with a market capitalization of $111.66B compared with $23.05B for First Citizens BancShares (FCNCA).
Which stock has performed better over the past year, FCNCA or HDB?
FCNCA returned +17.14% over the past 12 months, compared with -36.58% for HDB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCNCA or HDB?
FCNCA has the lower trailing P/E at 10.9, versus 14.0 for HDB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Citizens BancShares or HDFC Bank?
HDFC Bank has the higher yield at 59.84%, compared with 0.40% for First Citizens BancShares.
Are First Citizens BancShares and HDFC Bank in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for First Citizens BancShares and Commercial Banks for HDFC Bank.