First Citizens BancShares vs Huntington

This page compares First Citizens BancShares and Huntington Bancshares Incorporated, highlighting their business models, financial performance, and market context in a clear, neutral manner. It outlines differences in approach and market positioning to help readers understand the landscape. Educational content, not financial advice.

About The Companies

First Citizens BancShares (FCNCA)

First Citizens BancShares Inc Class A (ticker: FCNCA) is the bank holding company for First Citizens Bank, a regional commercial bank that offers lending, deposit, treasury and wealth-management services to individuals and businesses. With a market capitalisation of about $24.34 billion, the group expanded its scale through acquisitions — notably the 2022 CIT Group deal — which increased its national commercial lending footprint. Key value drivers include net interest margin sensitivity to interest rates, loan growth in middle‑market and commercial sectors, deposit stability and credit quality. Costs, capital levels and integration of acquisitions are important to watch. Risks include cyclical loan losses in a downturn, deposit competition or outflows, regulatory change and concentration in certain loan types. This summary is educational and not investment advice; prospective investors should consider their own objectives, risk tolerance and seek personalised advice if needed.

Huntington (HBAN)

Huntington Bancshares (HBAN) is a regional US bank headquartered in Columbus, Ohio, offering commercial and consumer banking, deposit-taking, lending and payment services. Investors should know it earns most income from net interest margin on loans and interest-earning assets, plus fees from payments and wealth services, making its profitability sensitive to interest-rate moves and loan growth. With a market capitalisation of about $24.96 billion, Huntington has pursued scale through targeted acquisitions and technology investment to modernise customer-facing platforms. Key considerations include credit quality trends across commercial and consumer portfolios, funding costs and deposit stability, as well as regulatory and economic cycles that affect lending demand. The information here is educational and not personal advice; banking stocks can be cyclical and carry capital, credit and market risks. Consider time horizon, diversification and risk tolerance before investing, and consult a regulated adviser if you need personalised guidance.

Comparison Snapshot

Key Financial Metrics

FCNCA

Metric

HBAN

$27.32B

Market Cap

$28.02B

4.65%

Potential Profit

12.38%

Buy

Analyst Rating

Buy

Why It's Moving

First Citizens BancShares boosts shareholder returns with steady dividend declaration amid solid banking sector tailwinds.

Quarterly common stock dividend of $2.10 per share for Class A and B shares, reinforcing commitment to consistent payouts.
Additional dividends on preferred series, including $13.4375 per share on Series A, underscoring strong capital positions.
Recent Q3 net interest income rose to $1.73 billion, up $39 million, highlighting loan growth and deposit strength driving performance.

Sentiment:

⚖️Neutral

Huntington Bancshares cuts prime rate to 6.75%, signaling Fed rate relief for borrowers.

Prime rate drops 25 basis points to 6.75%, easing loan rates for consumers and businesses while pressuring net interest margins.[1][2]
CEO Steve Steinour and CFO Zach Wasserman presented at Goldman Sachs Financial Services Conference on December 10, outlining business trends and strategic growth.[3]
New South Euclid branch opens December 14 with community events, bolstering local presence amid pending Cadence Bank acquisition for Texas expansion.[5]

Sentiment:

⚖️Neutral

First Citizens BancShares boosts shareholder returns with steady dividend declaration amid solid banking sector tailwinds.

Quarterly common stock dividend of $2.10 per share for Class A and B shares, reinforcing commitment to consistent payouts.
Additional dividends on preferred series, including $13.4375 per share on Series A, underscoring strong capital positions.
Recent Q3 net interest income rose to $1.73 billion, up $39 million, highlighting loan growth and deposit strength driving performance.

Sentiment:

⚖️Neutral

Huntington Bancshares cuts prime rate to 6.75%, signaling Fed rate relief for borrowers.

Prime rate drops 25 basis points to 6.75%, easing loan rates for consumers and businesses while pressuring net interest margins.[1][2]
CEO Steve Steinour and CFO Zach Wasserman presented at Goldman Sachs Financial Services Conference on December 10, outlining business trends and strategic growth.[3]
New South Euclid branch opens December 14 with community events, bolstering local presence amid pending Cadence Bank acquisition for Texas expansion.[5]

Sentiment:

⚖️Neutral

Which Baskets Do They Appear In?

Banks Unleash Value

Major US banks are flexing their financial muscle by increasing dividends and launching buyback programs after acing the Fed's annual stress tests. These moves signal strength and confidence, creating opportunities for investors seeking both income and growth.

Published: July 2, 2025

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Which Baskets Do They Appear In?

Banks Unleash Value

Published: July 2, 2025

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Investment Analysis