First Citizens BancShares (FCNCA) vs Pinnacle Financial Partners (PNFP)
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 Pinnacle Financial Partners (PNFP) over the past year, gaining 17.1% versus a gain of 1.3%. Over five years, FCNCA leads with a +142.5% price change compared with -6.7% for PNFP. First Citizens BancShares is the larger company by market cap ($23.39 billion vs $14.07 billion), about 1.7 times the size, while Pinnacle Financial Partners is growing revenue faster (+18.3% vs -2.2%).
On valuation, Pinnacle Financial Partners trades at a lower forward P/E (8.1x vs 10.2x for First Citizens BancShares). Pinnacle Financial Partners offers the higher dividend yield (1.59% vs 0.40%). Pinnacle Financial Partners converts more of its revenue into profit, with a net margin of 31.2% 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 | PNFP |
|---|---|---|
| Share price | $2,071.56 | $93.09 |
| Market cap | $23.39B | $14.07B |
| 1-day change | -0.79% | -3.17% |
| YTD return | -3.48% | -2.43% |
| 1-year return | +17.14% | +1.27% |
| 5-year return | +142.49% | -6.70% |
| P/E ratio (TTM) | 11.20 | 12.82 |
| Forward P/E | 10.25 | 8.09 |
| EPS (TTM) | $184.96 | $7.26 |
| Dividend yield | 0.40% | 1.59% |
| Annual dividend | $8.25 | $1.48 |
| Revenue (latest FY) | $9.54B | $2.05B |
| Revenue growth (YoY) | -2.22% | +18.31% |
| Net income (latest FY) | $2.21B | $641.87M |
| Net margin | 23.12% | 31.24% |
| 52-week high | $2,296.30 | $110.33 |
| 52-week low | $1,623.76 | $81.08 |
| Distance from 52-week high | -9.79% | -15.63% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +12.79% | +28.03% |
| Average volume | 66.98K | 1.11M |
| Shares outstanding | 10.29M | 151.11M |
| Employees | 17,876 | 8,433 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- FCNCA has outperformed PNFP by 15.9 percentage points over the past year.
- Pinnacle Financial Partners offers a meaningfully higher dividend yield (1.59% vs 0.40%).
- Pinnacle Financial Partners is more profitable, keeping 31.2 cents of every revenue dollar as net income versus 23.1 cents for First Citizens BancShares.
- Pinnacle Financial Partners grew revenue faster in its latest fiscal year (+18.31% 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.
Financial Services · Banks - Regional · 17,876 employees
About Pinnacle Financial Partners
PNFP stock →Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States.
Financial Services · Banks - Regional · 8,433 employees
FCNCA vs PNFP FAQ
Which is bigger, First Citizens BancShares or Pinnacle Financial Partners?
First Citizens BancShares (FCNCA) is larger, with a market capitalization of $23.39B compared with $14.07B for Pinnacle Financial Partners (PNFP).
Which stock has performed better over the past year, FCNCA or PNFP?
FCNCA returned +17.14% over the past 12 months, compared with +1.27% for PNFP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FCNCA or PNFP?
FCNCA has the lower trailing P/E at 11.2, versus 12.8 for PNFP. 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 Pinnacle Financial Partners?
Pinnacle Financial Partners has the higher yield at 1.59%, compared with 0.40% for First Citizens BancShares.
Are First Citizens BancShares and Pinnacle Financial Partners in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.