First Citizens BancShares, Inc. Class B (FCNCB) Stock Price & Analysis

FCNCB Stock Chart & Stats

1840.00-4.00(-0.22%)

At close: Oct 30 4:00 PM EDT

Day’s Range: $1,790.01 - $1,840.00
52-Week Range: $1,515.25 - $2,070.00
Previous Close: $1,844.00
Volume: N/A
Average Volume (3M): 106
Market Cap: $26.05B
Enterprise Value: $44.72B
Total Cash (Recent Filing): $64.34B
Total Debt (Recent Filing): $24.47B
Price to Earnings (P/E): 12.1
Beta: 0.71
Next Earnings: Jan 22, 2027 (Est.)
EPS Estimate: 52.23
Next Dividend Ex-Date: Nov 30, 2026
Dividend Yield: 0.46%

Bulls Say, Bears Say

Bulls Say

Broad Loan And Deposit Growth

Strong simultaneous loan and deposit growth indicates expanding customer relationships and funding capacity across the franchise. Growth across multiple banking channels can support recurring net interest income, improve operating scale, and reinforce the company’s competitive position over the next several quarters.

Improving Credit Quality

Improving nonaccrual and charge-off trends reduce the likelihood that credit costs will erode earnings and capital in the near term. The continued decline across four quarters, together with stronger exposure outcomes, supports more durable profitability and confidence in lending growth.

Debt Reduction And Capital Return

Accelerated FDIC note repayment materially reduces balance-sheet obligations and should improve financial flexibility as replacement funding is managed. Large capital returns alongside debt reduction demonstrate meaningful capital generation, while the planned paydown schedule provides visibility into further deleveraging.

Bears Say

Revenue Contraction And Earnings Volatility

The top-line contraction and uneven historical results make the earnings run-rate less predictable than the latest quarter suggests. Revenue pressure can limit operating leverage and reduce the consistency of capital generation, particularly if loan growth or fee activity moderates.

Elevated Leverage Limits Flexibility

Although leverage has improved, the still-elevated debt-to-equity level leaves less balance-sheet capacity to absorb higher credit losses or tighter funding conditions. This can constrain future growth investments and capital allocation if profitability weakens or funding costs remain pressured.

Fund Banking Competition Compresses Spreads

Persistent competition in fund banking can reduce the yield earned on new and renewed loans even when utilization and demand remain healthy. Ongoing spread compression would weigh on net interest margin and make future loan growth less valuable unless volume or fee income offsets the pressure.

First Citizens BancShares, Inc. Class B 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

6d 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

6d 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

6d 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

6d 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

6d 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

6d agoFCNCA FCNCB

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

1w 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

1w agoBE ALV

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

1w 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

1w agoFCNCA FCNCB

Is FCNCB a Buy, Before Earnings?

First Citizens BancShares, Inc. Class B (FCNCB) 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,

1w agoFCNCB

FCNCB FAQ

What was First Citizens BancShares, Inc. Class B’s price range in the past 12 months?

First Citizens BancShares, Inc. Class B lowest stock price was $1515.25 and its highest was $2070.00 in the past 12 months.

What is First Citizens BancShares, Inc. Class B’s market cap?

First Citizens BancShares, Inc. Class B’s market cap is $26.05B.

When is First Citizens BancShares, Inc. Class B’s upcoming earnings report date?

First Citizens BancShares, Inc. Class B’s next earnings report is estimated for Jan 22, 2027 (not yet confirmed), which is in 81 days.

How were First Citizens BancShares, Inc. Class B’s earnings last quarter?

First Citizens BancShares, Inc. Class B released its earnings results on Oct 23, 2026. The company reported $55.37 earnings per share for the quarter, beating the consensus estimate of $46.037 by $9.333.

Is First Citizens BancShares, Inc. Class B overvalued?

Not enough analysts have published a price target to calculate whether the price is overvalued.

Does First Citizens BancShares, Inc. Class B pay dividends?

First Citizens BancShares, Inc. Class B pays a ― dividend of $2.25 which represents an annual dividend yield of 0.46%. See more information on First Citizens BancShares, Inc. Class B dividends here

What is First Citizens BancShares, Inc. Class B’s EPS estimate?

First Citizens BancShares, Inc. Class B’s EPS estimate is 52.23.

How many shares outstanding does First Citizens BancShares, Inc. Class B have?

First Citizens BancShares, Inc. Class B has 1,005,185 shares outstanding.

What happened to First Citizens BancShares, Inc. Class B’s price movement after its last earnings report?

First Citizens BancShares, Inc. Class B reported an EPS of $55.37 in its last earnings report, beating expectations of $46.037. Following the earnings report the stock price went up 4.841%.

Which hedge fund is a major shareholder of First Citizens BancShares, Inc. Class B?

Currently, no hedge funds are holding shares in FCNCB

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, Inc. Class B Stock Smart Score

Neutral

Learn more about TipRanks Smart Score

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Company Description

First Citizens BancShares, Inc. Class B

First Citizens BancShares, Inc. functions as the parent organization for First-Citizens Bank & Trust Company, offering a wide array of retail and commercial banking services to individuals, businesses, and professional clients. Its range of deposit solutions features checking, savings, money market, and time deposit accounts. The lending portfolio is extensive, covering commercial financing for construction and land development, mortgages, general commercial and industrial needs, and lease agreements, alongside Small Business Administration Paycheck Protection Program loans. For consumers, it extends credit for residential and revolving mortgages, construction and land development projects, vehicle purchases, and various other personal requirements. Furthermore, the company provides treasury management, cardholder and merchant services, and comprehensive wealth management. Investment offerings span annuities, discount brokerage, third-party mutual funds, and bespoke investment management and advisory. Additional specialized financial provisions include defined benefit and contribution plans, insurance, private banking, trust, fiduciary, philanthropic guidance, and special asset services. Access to these diverse products and services is facilitated through a robust branch network, digital and telephone banking platforms, and an array of ATM networks. Founded in 1898, First Citizens BancShares, Inc. has its headquarters situated in Raleigh, North Carolina.

First Citizens BancShares, Inc. Class B (FCNCB) Earnings & Revenues

Historic Earnings Reports

FCNCB Company Deck

FCNCB Earnings Call

Q3 2026

0:00 / 0:00

Earnings Call SentimentPositive

The call was strongly positive overall. Earnings exceeded expectations, loan and deposit growth was robust, credit metrics improved, capital was returned to shareholders, and full-year guidance was raised for net interest income and non-interest income. The principal challenges were warrant-income volatility, competitive spread compression, potential moderation in fund banking utilization, limited IPO and exit activity, higher-cost replacement funding, and several timing-related expense and margin pressures. These concerns were presented as manageable within a broader outlook of continued growth, improving efficiency, strong liquidity, and resilient credit quality.

View all FCNCB earnings summaries

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	15	5	2
Technical Analysis	3	5	2
Moving Averages	12	0	0

Technical Analysis >

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Ownership Overview

0.08% Mutual Funds
0.17% Other Institutional Investors
99.75% Public Companies and Individual Investors

Detailed Ownership Overview >

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FCNCB Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Broad Loan And Deposit Growth

Improving Credit Quality

Debt Reduction And Capital Return

Bears Say

Revenue Contraction And Earnings Volatility

Elevated Leverage Limits Flexibility

Fund Banking Competition Compresses Spreads

First Citizens BancShares, Inc. Class B 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 price target raised to $2,550 from $2,300 at Jefferies

Morning Movers: American Express slips following quarterly results

First Citizens announces new $1.2B share repurchase program

First Citizens reports Q3 EPS $51.23, consensus $45.98

Is FCNCB a Buy, Before Earnings?

FCNCB FAQ

First Citizens BancShares, Inc. Class B Stock Smart Score

Company Description

First Citizens BancShares, Inc. Class B

First Citizens BancShares, Inc. Class B (FCNCB) Earnings & Revenues

FCNCB Company Deck

FCNCB Earnings Call

Earnings Call Sentiment|Positive

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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Earnings Call SentimentPositive