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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

First Citizens BancShares, Inc. (FCNCA)

Financial Services Banks - Regional
2,186.70 $
+1.4% vs. previous close
Closing price · As of: 31. Jul 2026
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Dividends
Risk & Weakness

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Trading Day

Previous Close
2,156.20$
Open
2,164.20$
Day High
2,198.90$
Day Low
2,155.20$
Volume
57,747shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
1,638.70 $ 2,212.80 $
10/16/2025 07/23/2026

Current price 2,186.70 $ — 96% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
25.0$B
Shares Outstanding
10Mio.
Float
79.3%
Beta
0.6

Performance

Perf. 1M
3.60%
Perf. 3M
13.40%
Perf. 6M
-4.50%
YTD Performance (%)
-1.40%
52-Week-High Distance
-6.4%
Perf. 1Y
10.08%
Perf. 3Y
54.55%
Perf. 5Y
184.07%
Perf. 10Y
771.37%
Perf. Since Inception
8,720.69%

Technical Indicators

MA 38 Days
2,107.40$
MA 50 Days
2,080.80$
MA 200 Days
1,991.10$
RSI (14)
57.8
Volatility 30 Days
31.2%
Volatility 250 Days
28.4%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
12.5
Forward P/E
13.5
PEG
1.4
P/B
1.2
P/S
1.7
EV/EBITDA
0.0
Price/FCF
11.3

Profitability

Gross Margin
100.0%
EBIT Margin
34.2%
Net Margin
25.2%
Return on Equity
10.2%
Return on Assets
1.0%

Balance Sheet & Safety

Equity Ratio
9.3%
Debt/Equity
1.6
Altman Z″
-0.35
Piotroski
6 out of 9

Growth

Sales Growth Last Quarter
4.90%
EPS Growth Last Quarter
23.60%
Sales Growth (Year)
-2.97%
Forward Sales Growth
4.90%
Forward EPS Growth
12.80%

Dividend

Dividend Yield
0.38%
Dividend Per Share (TTM)
8.25$
Payout Ratio
4.3%
Years Without a Cut
24Years
Increase Streak
9Years

Quality & Screener

Stage
2
RS Rating
49
EPS Rating
68
Piotroski
6 out of 9
Fundamental Rating
C (52 out of 100)
Altman Z″
-0.35

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Analysts & Price Target

Current Price 2,186.70 $
Price Target (average) 2,338.50 $

The price target sits 6.9% above the current price.

Consensus
Sell
Analyst Ratings
14
Distribution of Recommendations
Strong Buy 4
Buy 5
Hold 5
Sell 0
Strong Sell 0

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 192.98 182.08 – 198.49 8,873 8.5% 9
12/31/2027 197.82 188.86 – 205.00 9,312 2.5% 10

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Next Reporting Date

22. Oct 2026 · before the open · Q3 2026
Expected Earnings per Share
45.51 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 3,689.0 $M Q4 2025: Q1 · 3,525.0 $M Q1 2025: Q2 · 3,623.0 $M Q2 2025: Q3 · 3,694.0 $M Q3 2025: Q4 · 3,655.0 $M Q4 2026: Q1 · 3,478.0 $M Q1

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 50.26 42.20 3,689 0.40 19.00 1,119 678
2025: Q1 35.58 -29.20 3,525 -4.80 13.70 98 -175
2025: Q2 43.44 -10.70 3,623 -2.30 15.90 859 518
2025: Q3 44.21 -0.50 3,694 -2.40 15.40 916 1,008
2025: Q4 46.91 -6.70 3,655 -0.90 15.90 1,050 720
2026: Q1 44.78 25.90 3,478 -1.30 15.40 172 -22
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 1,340 351 225 18.77 231 3,012 32,991
2017 1,453 544 324 26.96 355 3,334 34,528
2018 1,589 504 400 33.53 454 3,489 35,409
2019 1,790 592 457 41.05 541 38,941 39,825
2020 1,916 618 492 48.92 340 48,710 49,958
2021 1,899 701 547 55.72 -284 57,114 58,308
2022 5,096 1,362 1,098 70.61 2,791 9,662 109,298
2023 12,638 12,077 11,466 788.58 2,660 21,255 213,758
2024 14,940 3,592 2,777 193.61 2,988 22,228 223,720
2025 14,497 2,971 2,206 178.44 2,923 22,238 229,698

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

First Citizens BancShares, Inc. ist die Holding der First-Citizens Bank & Trust Company, die Privat- und Geschäftsbankdienste für Privatpersonen, Unternehmen und Fachleute in den USA und international anbietet.

Employees17,876
HeadquartersRaleigh, NC
Address4300 Six Forks Road, 27609 Raleigh, United States
Phone919 716 7000
Websitefirstcitizens.com
IPO Date25. Feb 1992
ISINUS31946M1036

Management

Management
Name Title Birth Year
Frank Brown Holding Jr. Chairman & CEO 1961
Hope Holding Bryant Vice Chairwoman 1963
Peter McDonald Bristow President & Director 1966
Craig Lockwood Nix CPA Chief Financial Officer 1972
Gregory L. Smith Chief Information & Operations Officer 1965
Deanna W. Hart Senior Vice President of Investor Relations 1978
Matthew G. T. Martin General Counsel & Corporate Secretary 1980
Barbara Thompson Director of Corporate Communications & Brand Marketing
West Ludwig Chief Human Resources Officer 1969
Jeffery L. Ward Chief Strategy Officer 1961

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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