First Citizens BancShares (NASDAQ:FCNCA – Get Free Report) and Orion Digital (NASDAQ:ORIO – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, earnings, valuation, profitability, risk and dividends.
Analyst Ratings
This is a summary of current ratings and price targets for First Citizens BancShares and Orion Digital, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Citizens BancShares | 0 | 11 | 2 | 1 | 2.29 |
| Orion Digital | 1 | 1 | 0 | 0 | 1.50 |
First Citizens BancShares currently has a consensus target price of $2,272.54, indicating a potential upside of 8.24%. Given First Citizens BancShares’ stronger consensus rating and higher probable upside, research analysts plainly believe First Citizens BancShares is more favorable than Orion Digital.
Institutional & Insider Ownership
Risk and Volatility
First Citizens BancShares has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500. Comparatively, Orion Digital has a beta of 2.55, meaning that its stock price is 155% more volatile than the S&P 500.
Profitability
This table compares First Citizens BancShares and Orion Digital’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First Citizens BancShares | 16.28% | 12.07% | 1.06% |
| Orion Digital | -24.49% | -6.17% | -2.56% |
Valuation & Earnings
This table compares First Citizens BancShares and Orion Digital”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Citizens BancShares | $14.51 billion | 1.63 | $2.21 billion | $187.04 | 11.23 |
| Orion Digital | $49.11 million | 0.50 | -$6.11 million | ($0.50) | -2.04 |
First Citizens BancShares has higher revenue and earnings than Orion Digital. Orion Digital is trading at a lower price-to-earnings ratio than First Citizens BancShares, indicating that it is currently the more affordable of the two stocks.
Summary
First Citizens BancShares beats Orion Digital on 14 of the 15 factors compared between the two stocks.
About First Citizens BancShares
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. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and mortgage; and commercial and industrial leases, as well as small business administration loans. In addition, the company offers consumer loans, such as residential and revolving mortgage, consumer auto, and other consumer loans. Further, it provides wealth management services, including annuities, brokerage services, and third-party mutual funds, as well as investment management and advisory services. The company provides its products and services through its branch network. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
About Orion Digital
Mogo Inc. operates as a financial technology company in Canada and internationally. The company provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card; MogoCrypto that enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring; MogoMortgage, a digital mortgage experience; and MogoMoney that provides access to personal loans. The company also offers Mogo Trade, a free stock trading platform with real-time stock quotes and funding; and Mogo Ventures to manage its existing investments in strategic partners and companies. In addition, it operates Carta, a digital payments software platform that enable financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada.
Receive News & Ratings for First Citizens BancShares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for First Citizens BancShares and related companies with MarketBeat.com's FREE daily email newsletter.
