First Citizens BancShares, Inc.
FCNCA
NASDAQ·Financial Services·Banks - Regional·Mkt cap $25.2B
$2,208.49
▲ +0.23%
P/E
11.81
Mkt Cap
$25.2B
52-Wk Range
$1,624–$2,296
52-Week Range
$1,623.76 - $2,296.30
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 13.4% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established 125+ year history with strong brand recognition and customer loyalty
- Geographic diversification across 18 states with 529 branches in high-growth markets
- Integrated wealth management and investment services creating cross-selling opportunities
- Digital banking capabilities combined with extensive branch network for omnichannel access
- Diversified revenue streams reducing reliance on net interest margin alone
Bear Case
1 risk
- Low volatility (beta 0.6).
Growth
Revenue decline expected
Expansion in high-growth markets including Texas, Florida, and Southeast regions
Value
Valued in line with Commercial Banking peers (1.0x).
Momentum
Strong
+6.5% over 3m
Quality
Excellent
Emerging growth company (34% revenue growth). Early stage with higher risk.
Dividend
Token
0.38% yield
Smart-money signal
Who's buying FCNCA right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $0.57 vs $0.41 consensus (+40.3% surprise). Revenue of $2.2B vs $2.2B expected (+3.6%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+40.3%
Revenue trend · last 8Q
—
-3%
-6%
-1%
-0%
+52%
+52%
-1%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$2.4B
$2.4B
$2.3B
$3.6B
$3.7B
$3.7B
$3.5B
$3.6B
Margins · last 8Q
Gross
67.1%
Operating
24.7%
Profit
18.6%
Wall Street consensus
5 analysts · 40% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
40%
Hold
60%
Sell
0%
Median Price Target
—
Latest: Citi · Jul 28, 2026
vs Industry
How FCNCA stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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