First Citizens Bancshares vs M&T Bank
First Citizens Bancshares and M&T Bank are similar in size: $9.54bn and $9.69bn of revenue in their latest fiscal years. M&T Bank grew faster (4.4% against -2.2%). M&T Bank kept more of each dollar of sales as profit: a net margin of 29.4% against 23.1%.
| Latest fiscal year | First Citizens BancsharesFCNCA, 2025 | M&T BankMTB, 2025 |
|---|---|---|
| Revenue | $9.54bn | $9.69bn |
| Revenue growth | -2.2% | 4.4% |
| Net income | $2.21bn | $2.85bn |
| Operating margin | — | — |
| Net margin | 23.1% | 29.4% |
| Return on equity | 9.9% | 9.8% |
| Free cash flow | $2.21bn | $3.00bn |
| Cash | $801m | $18.77bn |
| Total debt | $36.01bn | $13.06bn |
| Debt to equity | — | — |
| Dividend per share | $7.95 | $5.70 |
| Dividend yield | 0.7% | 2.8% |
| Share buybacks | $3.03bn | $2.63bn |
| Employees | 17,876 | 22,223 |
| Market value | $26.98bn | $32.60bn |
| Price vs our value range | — | — |
| Moat score | 62 (Moderate) | 70 (Strong) |
| Insider trades, 12 months | 62 buys, 11 sales | 0 buys, 21 sales |