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FCNCA

First Citizens BancShares, Inc.

FCNCA

NASDAQ·Financial Services·Banks - Regional·Mkt cap $24.6B

$2,082.99

-1.82%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$1,623.76 - $2,232.21

P/E

11.98

Fwd P/E

11.72

Beta

0.62

Div Yield

0.39%

Avg Vol

74.4K

Shares Out

11.6M

Mkt Cap

$24.6B

Price action

Price chart

Up 2.3% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

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

2 risks

  • Low volatility (beta 0.6).
  • Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Growth

Revenue decline expected

Expansion in high-growth markets including Texas, Florida, and Southeast regions

Value

Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Strong

+11.3% over 3m

Quality

Excellent

High-growth business (52% revenue growth, 63% gross margin). Profitable with strong growth momentum.

Dividend

Token

0.39% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 24, 2026

Q2 26 RECAP

APR 23, 2026

Reported EPS of $44.86 vs $39.56 consensus (+13.4% surprise). Revenue of $2.2B vs $2.2B expected (+3.2%). Beat on both top and bottom lines.

EPS beat +13.4%
Rev beat +3.2%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+13.4%

Next: Jul 24, 2026

Revenue trend · last 8Q

-3%

-6%

-1%

-0%

+52%

+52%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$2.4B

$2.4B

$2.4B

$2.3B

$3.6B

$3.7B

$3.7B

$3.5B

Margins · last 8Q

Gross

66.5%

Operating

20.3%

Profit

15.3%

Wall Street consensus

7 analysts · 29% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

2

29%

Hold

5

71%

Sell

0%

Median Price Target

$2,050.00

-1.6% vs $2,082.99

Low $2,050.00
Median $2,050.00
High $2,050.00

Latest: Citi · Jul 1, 2026

1 analyst covering

vs Industry

How FCNCA stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.