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FCNCA Stock Chart & Stats
$2177.22
-$14.46(-0.67%)
At close: 4:00 PM EDT
$2177.22
-$14.46(-0.67%)
Day’s Range― - ―
52-Week Range$1,623.76 - $2,296.30
Previous CloseN/A
Volume26.32K
Average Volume (3M)57.30K
Market Cap
$23.50B
Enterprise Value$56.75K
Total Cash (Recent Filing)$1.52B
Total Debt (Recent Filing)$32.19B
Price to Earnings (P/E)11.3
Beta1.10
Next Earnings
Oct 22, 2026EPS Estimate
45.82Next Dividend Ex-DateN/A
Dividend Yield0.4%
Share Statistics
EPS (TTM)187.04
Shares Outstanding10,287,935
10 Day Avg. Volume64,263
30 Day Avg. Volume57,296
Financial Highlights & Ratios
PEG Ratio-1.04
Price to Book (P/B)1.19
Price to Sales (P/S)1.83
P/FCF Ratio12.81
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$2,318.78Price Target Upside6.50% Upside
Rating ConsensusHold
Number of Analyst Covering9
EPS Forecast (FY)194.2
Revenue Forecast (FY)$8.87B
Bulls Say, Bears Say
Bulls Say
Sustained NIM ExpansionNine consecutive quarters of net interest margin expansion indicate a durable improvement in the bank’s earning spread. Lower deposit and funding costs, together with stable loan yields, can support profitability and provide resilience even as the asset mix changes.
Healthy Cash GenerationStrong recent operating and free cash flow provides internal funding for growth, capital support, and shareholder returns. Improving free-cash-flow conversion also strengthens financial flexibility, helping First Citizens manage balance-sheet changes without relying entirely on external funding.
Expanded Geographic FootprintAdding 138 branches across the Midwest, Great Plains, and Western U.S. materially broadens First Citizens’ customer reach. The larger deposit and relationship-banking platform can create a durable base for commercial lending, fee generation, and regional growth over multiple quarters.
Bears Say
Declining Revenue TrendThe significant TTM revenue decline, following softer 2025 revenue, weakens confidence in the current earnings run-rate. Although margins remain acceptable, sustained top-line pressure can limit operating leverage, reduce growth capacity, and make future profitability more dependent on spread management.
Near-term Loan RunoffAccelerated commercial payoffs and a smaller earning-asset base create a durable headwind to near-term interest income growth. A greater allocation to investment securities may partially offset the decline, but management’s guidance indicates weaker balance-sheet expansion and reduced revenue visibility.
Elevated Balance-sheet LeverageLeverage has improved from prior years but remains elevated, limiting the cushion available if credit quality weakens or funding costs rise. Higher balance-sheet sensitivity can constrain capital allocation and make earnings and resilience more dependent on stable asset performance.
First Citizens BancShares News
FCNCA FAQ
What was First Citizens BancShares’s price range in the past 12 months?
First Citizens BancShares lowest stock price was $1623.76 and its highest was $2296.30 in the past 12 months.
What is First Citizens BancShares’s market cap?
First Citizens BancShares’s market cap is $23.50B.
When is First Citizens BancShares’s upcoming earnings report date?
First Citizens BancShares’s upcoming earnings report date is Oct 22, 2026 which is in 30 days.
How were First Citizens BancShares’s earnings last quarter?
First Citizens BancShares released its earnings results on Jul 23, 2026. The company reported $57.09 earnings per share for the quarter, beating the consensus estimate of $40.687 by $16.403.
Is First Citizens BancShares overvalued?
According to Wall Street analysts First Citizens BancShares’s price is currently Undervalued.
Does First Citizens BancShares pay dividends?
First Citizens BancShares pays a Quarterly dividend of $2.1 which represents an annual dividend yield of 0.4%. See more information on First Citizens BancShares dividends here
What is First Citizens BancShares’s EPS estimate?
First Citizens BancShares’s EPS estimate is 45.82.
How many shares outstanding does First Citizens BancShares have?
First Citizens BancShares has 10,287,935 shares outstanding.
What happened to First Citizens BancShares’s price movement after its last earnings report?
First Citizens BancShares reported an EPS of $57.09 in its last earnings report, beating expectations of $40.687. Following the earnings report the stock price went up 6.508%.
Which hedge fund is a major shareholder of First Citizens BancShares?
Currently, no hedge funds are holding shares in FCNCA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Citizens BancShares Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$2,318.78 (6.50% Upside)
$2,318.78 (6.50% Upside)
Blogger Sentiment
Bullish
FCNCA Sentiment 60%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 6.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $28.3K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 7.3%
Last 30 Days ▼ 7.3%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.85%
12-Months-Change
Fundamentals
Return on Equity
0.40%
Trailing 12-Months
Asset Growth
3.13%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
First Citizens BancShares
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
FCNCA Company Deck
FCNCA Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call reflects a mixed but constructive outlook: the bank delivered meaningful improvement in profitability (strong net income and nine consecutive quarters of NIM expansion), strengthened capital and continued active capital return (buybacks/dividend), and showed credit improvement in criticized loans. However, these positives are offset by notable near-term balance sheet headwinds — accelerated loan payoffs, declines in loans and deposits, lower mortgage production and modest increases in certain noninterest expenses — which have reduced near-term revenue growth visibility. Management emphasizes proactive portfolio management, relationship-focused growth and operating efficiencies to drive improvement over time.View all FCNCA earnings summariesFCNCA Stock 12 Month Forecast
Average Price Target
$2,318.78
▲(6.50% Upside)
Technical Analysis
Ownership Overview
41.33% Insiders
25.41% Mutual Funds
9.06% Other Institutional Investors
12.72% Public Companies and
Individual Investors