First Citizens BancShares (FCNCA) Stock Price & Analysis

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FCNCA Stock Chart & Stats

$2,317.86$2.25(0.10%)

At close: Nov 12 4:00 PM EST

Day’s Range: $2,293.51 - $2,324.79
52-Week Range: $1,759.27 - $2,429.96
Previous Close: $2,315.61
Volume: N/A
Average Volume (3M): 83.95K
Market Cap: $25.62B
Enterprise Value: $49.06B
Total Cash (Recent Filing): $64.34B
Total Debt (Recent Filing): $24.47B
Price to Earnings (P/E): 11.8
Beta: 0.95
Next Earnings: Jan 22, 2027 (Est.)
EPS Estimate: 51.7
Next Dividend Ex-Date: Nov 30, 2026
Dividend Yield: 0.36%

Bulls Say, Bears Say

Bulls Say

Broad Loan, Deposit And Branch Expansion

Broad-based loan and deposit growth demonstrates continued client demand and strengthens the funding franchise. The BMO branch acquisition adds geographic reach, relationship bankers and operating scale, supporting durable expansion across commercial, consumer and institutional markets.

Resilient And Improving Credit Quality

Improving nonaccrual and charge-off trends indicate that portfolio growth has not been accompanied by worsening credit performance. Resilient asset quality protects earnings from provision shocks, supports capital retention, and improves confidence in the bank’s lending expansion.

Material Debt Reduction And Capital Return Capacity

Repaying a substantial portion of the FDIC note reduces balance-sheet obligations and improves the funding mix over time. This strengthens financial flexibility while the company’s capital-return actions demonstrate capacity to support shareholders alongside balance-sheet optimization.

Bears Say

Higher Replacement Funding Costs Pressure Margins

The transition away from the FDIC note creates an ongoing funding-cost headwind that can offset benefits from loan growth and earning-asset yields. Margin pressure may constrain near-term earnings conversion and makes profitability more sensitive to deposit pricing and funding mix.

Fund Banking Faces Moderation And Competition

Fund banking has been a major growth contributor, so slower utilization and persistent competition could reduce incremental loan growth and spread economics. Continued pricing pressure may limit the durability of this vertical’s contribution even if client activity remains healthy.

Uneven Earnings And Cash-flow Consistency

Recent profitability is solid, but variable cash conversion and an uneven multi-year growth record reduce confidence in normalized earnings power. Volatility can complicate capital planning and make future results more dependent on portfolio mix and non-recurring factors.

First Citizens BancShares News

First Citizens price target raised to $2,475 from $2,250 at UBS

UBS raised the firm’s price target on First Citizens (FCNCA) to $2,475 from $2,250 and keeps a Neutral rating on the shares. Published first on TheFly – the ultimate source

2w agoFCNCA FCNCB

First Citizens price target raised to $2,730 from $2,430 at TD Cowen

TD Cowen raised the firm’s price target on First Citizens (FCNCA) to $2,730 from $2,430 and keeps a Buy rating on the shares. The firm updated its model following Q3

2w agoFCNCA FCNCB

First Citizens price target raised to $2,500 from $2,300 at Keefe Bruyette

Keefe Bruyette raised the firm’s price target on First Citizens (FCNCA) to $2,500 from $2,300 and keeps a Market Perform rating on the shares. Published first on TheFly – the

2w agoFCNCA FCNCB

First Citizens price target raised to $2,500 from $2,300 at Citi

Citi analyst Benjamin Gerlinger raised the firm’s price target on First Citizens (FCNCA) to $2,500 from $2,300 and keeps a Neutral rating on the shares following the Q3 report. The

2w agoFCNCA FCNCB

First Citizens price target raised to $2,650 from $2,376 at Barclays

Barclays raised the firm’s price target on First Citizens (FCNCA) to $2,650 from $2,376 and keeps an Equal Weight rating on the shares. The firm cites the bank’s earnings beat

2w agoFCNCA FCNCB

First Citizens downgraded to Underweight from Neutral at JPMorgan

JPMorgan downgraded First Citizens (FCNCA) to Underweight from Neutral with a price target of $2,200, down from $2,300. The firm views the magnitude of the stock’s post-earnings outperformance on Friday

2w agoFCNCA FCNCB

First Citizens BancShares Lifts Outlook After Strong Quarter

First Citizens BancShares, Inc. Class A (($FCNCA)) has held its Q3 earnings call. Read on for the main highlights of the call. First Citizens BancShares struck an upbeat tone on

2w agoFCNCA FC6A

First Citizens price target raised to $2,550 from $2,300 at Jefferies

Jefferies analyst David Chiaverini raised the firm’s price target on First Citizens (FCNCA) to $2,550 from $2,300 and keeps a Hold rating on the shares following what the firm calls

2w agoFCNCA FCNCB

Morning Movers: American Express slips following quarterly results

Stock futures are lower as markets look to stabilize after a sharp technology-led selloff, while rising oil prices and escalating Middle East tensions keep investors on edge. Investors are increasingly

2w agoBE ALV

First Citizens BancShares Announces 2027 Share Repurchase Plan

First Citizens BancShares ( ($FCNCA) ) just unveiled an announcement. First Citizens BancShares reported third-quarter 2026 net income of $606 million, with net interest income rising on stronger loan and

2w ago8K FCNCA

First Citizens announces new $1.2B share repurchase program

06:45 EDT First Citizens (FCNCA) announces new $1.2B share repurchase program Published first on TheFly – the ultimate source for real-time, market-moving breaking financial news. Try Now>> See today’s best-performing

2w agoFCNCA FCNCB

First Citizens reports Q3 EPS $51.23, consensus $45.98

Reports Q3 net charge-offs .27%. Reports Q3 CET1 capital ratio 11.32%. Chairman and CEO Frank Holding, Jr. said: “Third quarter performance exceeded our expectations, fueled by strong, high quality top-line

2w agoFCNCA FCNCB

Is FCNCA a Buy, Before Earnings?

First Citizens BancShares, Inc. Class A (FCNCA) is scheduled to report 3rd quarter earnings on 10/23/2026, before the market opens. Regarding Q3 estimates, Wall Street analysts expect First Citizens BancShares,

3w agoFCNCA FC6A

First Citizens BancShares Completes New Series F Preferred Offering

First Citizens BancShares ( ($FCNCA) ) has issued an announcement. On September 11, 2026, First Citizens BancShares filed a certificate of designation in Delaware to create a new 7.500% Non-Cumulative

1M ago8K FCNCA

FCNCA FAQ

What was First Citizens BancShares’s price range in the past 12 months?

First Citizens BancShares lowest stock price was $1759.27 and its highest was $2429.96 in the past 12 months.

What is First Citizens BancShares’s market cap?

First Citizens BancShares’s market cap is $25.62B.

When is First Citizens BancShares’s upcoming earnings report date?

First Citizens BancShares’s next earnings report is estimated for Jan 22, 2027 (not yet confirmed), which is in 70 days.

How were First Citizens BancShares’s earnings last quarter?

First Citizens BancShares released its earnings results on Oct 23, 2026. The company reported $55.37 earnings per share for the quarter, beating the consensus estimate of $46.182 by $9.188.

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 $2.25 which represents an annual dividend yield of 0.36%. See more information on First Citizens BancShares dividends here

What is First Citizens BancShares’s EPS estimate?

First Citizens BancShares’s EPS estimate is 51.70.

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 $55.37 in its last earnings report, beating expectations of $46.182. Following the earnings report the stock price went up 8.152%.

Which hedge fund is a major shareholder of First Citizens BancShares?

Hedge funds hold First Citizens BancShares shares: the largest hedge-fund position in First Citizens BancShares is 71,887,566 shares, and hedge funds decreased their holdings by 138.5K shares last quarter.

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

Learn more about TipRanks Smart Score

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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.

First Citizens BancShares (FCNCA) Earnings & Revenues

Historic Earnings Reports

FCNCA Company Deck

FCNCA Earnings Call

Q3 2026

0:00 / 0:00

Earnings Call SentimentPositive

The call was strongly positive. Management reported earnings above expectations, broad-based loan and deposit growth, improved credit metrics, significant FDIC note repayment, capital returns, and raised full-year guidance for net interest income and fee income. The principal challenges were warrant-income volatility, competitive spread pressure, expected moderation in fund-banking utilization, limited IPO and exit activity, and a temporary margin drag from replacing the FDIC note with other funding sources.

View all FCNCA earnings summaries

FCNCA Stock 12 Month Forecast

Average Price Target

$2509.38▲(8.26% Upside)

Past 12 Months12 Month ForecastFeb2026Nov2026

High$2.73K

Average$2.51K

Low$2.2K

Detailed Analyst Forecast >

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	15	6	1
Technical Analysis	4	6	0
Moving Averages	11	0	1

Technical Analysis >

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Ownership Overview

47.67% Insiders
24.72% Mutual Funds
4.66% Other Institutional Investors
10.51% Public Companies and Individual Investors

Detailed Ownership Overview >

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FCNCA Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Broad Loan, Deposit And Branch Expansion

Resilient And Improving Credit Quality

Material Debt Reduction And Capital Return Capacity

Bears Say

Higher Replacement Funding Costs Pressure Margins

Fund Banking Faces Moderation And Competition

Uneven Earnings And Cash-flow Consistency

First Citizens BancShares News

First Citizens price target raised to $2,475 from $2,250 at UBS

First Citizens price target raised to $2,730 from $2,430 at TD Cowen

First Citizens price target raised to $2,500 from $2,300 at Keefe Bruyette

First Citizens price target raised to $2,500 from $2,300 at Citi

First Citizens price target raised to $2,650 from $2,376 at Barclays

First Citizens downgraded to Underweight from Neutral at JPMorgan

First Citizens BancShares Lifts Outlook After Strong Quarter

First Citizens price target raised to $2,550 from $2,300 at Jefferies

Morning Movers: American Express slips following quarterly results

First Citizens BancShares Announces 2027 Share Repurchase Plan

First Citizens announces new $1.2B share repurchase program

First Citizens reports Q3 EPS $51.23, consensus $45.98

Is FCNCA a Buy, Before Earnings?

First Citizens BancShares Completes New Series F Preferred Offering

FCNCA FAQ

First Citizens BancShares Stock Smart Score

Company Description

First Citizens BancShares

First Citizens BancShares (FCNCA) Earnings & Revenues

FCNCA Company Deck

FCNCA Earnings Call

Earnings Call Sentiment|Positive

FCNCA Stock 12 Month Forecast

Average Price Target

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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Earnings Call SentimentPositive