First Citizens BancShares, Inc. (FCNCO)

NMS – Real Time Price. Currency in USD

20.61

+0.06 (0.27%)

Market open: Aug 12, 2026, 12:02 PM EDT

20.57

+0.01 (0.02%)

Previous after-hours: Aug 11, 2026, 4:10 PM EDT

Stock details

Previous close: 20.56$
Day's range: 20.49 - 20.59$
52-week range: 20.05 - 23.91$
Volume: 17 656
Average volume: 14 333
Beta: 0.25
EPS (TTM): 186.98
PE ratio (TTM): 0.11
Forward P/E: 0.11
Market cap: 25 724 353 975
Shares outstanding: 1 251 184 532
Dividend yield: $0.37 (0.37%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit ... read more

CEO: Frank Holding
Country: United States
IPO Date
Employees: 17876
Fiscal Year End: January - December
Website: https://www.firstcitizens.com

Revenue Breakdown

Commercial Bank / 45.38%

General Bank / 41.54%

Rail / 7.13%

News

No Data

There are no news for this stock.

Chart: FCNCO

Loading Chart...

Overall Score

4.5 / 1045%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $32.2B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.5) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.21	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.47	0.05	5.0
Debt to Assets	0.14	0.09	8.0
Interest coverage	N/A	N/A	10
Weighted average score			5.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	5.10B	12.65B	14.93B	14.47B	14.40B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	1.14B	2.72B	3.77B	3.09B	3.21B
Net Income	1.10B	11.47B	2.78B	2.21B	2.35B
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	37.01	0.44	10
Net margin %	27.88	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.99	1.46	2.0
ROE	10.28	14.94	7.0
ROIC	3.90	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	-1.13	2.33	2.0
Next quarter	-5.14	-7.18	1.0
Current year	-1.74	7.81	3.5
Next year	4.94	4.14	4.0
Weighted average score			2.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	3.8	25.84	27.26	-134.16	6.3
Y/Y	-0.24	16.87	27.49	6.86	6.3
3y average	54.32	282.65	43.12	-7.43	7.8
5y average	65.17	191.97	39.83	53.04	10
Weighted average score					7.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	N/A	11.16	1.0
PEG (5yr expected)	N/A	98.42	1.0
P/S	N/A	3.37	1.0
P/B	N/A	1.53	1.0
Weighted average score			1.0

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR31.61%

FCF 5 year CAGR4

Fair value2398.69$

Stock price20.55$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	6.18	6.18	10
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			5.5

Fair Value

$2398.69

UndervaluedStock priceOvervalued

$20.55

Economic Moat

NAME	SCALE	SCORE
Market share	Medium	6.0
Intangible assets	Medium	7.0
Switching costs	Medium	7.0
Network effect	Narrow	3.0
Economies of scale	Medium	6.0
Weighted average score		5.8

About the company

CEO

Frank Holding

Country

United States

IPO Date

Employees

17876

Fiscal Year End

January - December

Website

https://www.firstcitizens.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.21

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.47

0.05

5.0

Debt to Assets

0.14

0.09

8.0

Interest coverage

N/A

Weighted average score

5.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

5.10B

12.65B

14.93B

14.47B

14.40B

Gross Profit

N/A

Operating Income

1.14B

2.72B

3.77B

3.09B

3.21B

Net Income

1.10B

11.47B

2.78B

2.21B

2.35B

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

37.01

0.44

Net margin %

27.88

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.99

1.46

2.0

ROE

10.28

14.94

7.0

ROIC

3.90

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

-1.13

2.33

2.0

Next quarter

-5.14

-7.18

1.0

Current year

-1.74

7.81

3.5

Next year

4.94

4.14

4.0

Weighted average score

2.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.8

25.84

27.26

-134.16

6.3

Y/Y

-0.24

16.87

27.49

6.86

6.3

3y average

54.32

282.65

43.12

-7.43

7.8

5y average

65.17

191.97

39.83

53.04

Weighted average score

7.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

N/A

11.16

1.0

PEG (5yr expected)

N/A

98.42

1.0

P/S

N/A

3.37

1.0

P/B

N/A

1.53

1.0

Weighted average score

1.0

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

6.18

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

0.00

1.0

Weighted average score

5.5

NAME

SCALE

SCORE

Market share

Medium

6.0

Intangible assets

Medium

7.0

Switching costs

Medium

7.0

Network effect

Narrow

3.0

Economies of scale

Medium

6.0

Weighted average score

5.8

Search stocks

First Citizens BancShares, Inc. (FCNCO)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

First Citizens BancShares, Inc. (FCNCO)

Stock details

About the company

Revenue Breakdown

News

Chart: FCNCO

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$2398.69

$20.55

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FCNCO

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$2398.69

$20.55

Economic Moat