First Citizens Bancshares vs Santander Holdings USA
First Citizens Bancshares and Santander Holdings USA are similar in size: $9.54bn and $9.43bn of revenue in their latest fiscal years. Santander Holdings USA grew faster (2.7% against -2.2%). First Citizens Bancshares kept more of each dollar of sales as profit: a net margin of 23.1% against 17.4%.
| Latest fiscal year | First Citizens BancsharesFCNCA, 2025 | Santander Holdings USASNUS.PH, 2025 |
|---|---|---|
| Revenue | $9.54bn | $9.43bn |
| Revenue growth | -2.2% | 2.7% |
| Net income | $2.21bn | $1.65bn |
| Operating margin | — | — |
| Net margin | 23.1% | 17.4% |
| Return on equity | 9.9% | 10.4% |
| Free cash flow | $2.21bn | $2.01bn |
| Cash | $801m | $14.37bn |
| Total debt | $36.01bn | $37.10bn |
| Debt to equity | — | — |
| Dividend per share | $7.95 | — |
| Dividend yield | 0.7% | 16.2% |
| Share buybacks | $3.03bn | — |
| Employees | 17,876 | — |
| Market value | $26.98bn | $11.01bn |
| Price vs our value range | — | — |
| Moat score | 62 (Moderate) | — |
| Insider trades, 12 months | 62 buys, 11 sales | 0 buys, 0 sales |