First Citizens BancShares (FCNCA) Stock Price, News & Analysis

Company Overview

First Citizens BancShares, Inc. (NASDAQ: FCNCA) is the bank holding company for First Citizens Bank, a diversified financial institution headquartered in Raleigh, North Carolina. Through its principal subsidiary, First Citizens Bank & Trust Company, the firm offers a full range of banking and financial services to individuals, small-to-medium businesses, and corporate clients. The company operates full-service retail branches, loan production offices and commercial banking offices across multiple U.S. states.

The company’s core business activities include traditional deposit-taking and lending services, such as checking and savings accounts, certificates of deposit and consumer loans. On the commercial side, First Citizens provides credit solutions ranging from commercial real estate financing and equipment lending to asset-based lending and cash-management services. In addition, the bank offers wealth management, trust and investment advisory services through its fiduciary division to high-net-worth individuals, families and nonprofit organizations.

First Citizens has expanded its geographic footprint through both organic growth and strategic acquisitions. A notable milestone was the acquisition of CIT Group’s banking operations, which closed in early 2022 and significantly enhanced the company’s capabilities in middle-market lending and equipment finance. Today, First Citizens serves customers in more than 20 states, with a branch network concentrated in the Southeast, Mid-Atlantic and parts of the Midwest and West Coast.

Founded in 1898 as the Bank of Smithfield in North Carolina, the institution was later reorganized as First-Citizens Bank & Trust Company in 1945. Over the decades, leadership under the Holding family has overseen both steady growth and periods of transformation, maintaining a focus on relationship banking and conservative underwriting. Frank B. Holding Jr. serves as chairman and chief executive officer, guiding the company’s strategy to balance local market presence with a broader national lending platform.

Key Stats

• Today's Range: $1,979.31 to $2,019.78
• 50-Day Range: $1,820.85 to $2,158.23
• 52-Week Range: $1,473.62 to $2,412.93
• Volume: 148,796 shs
• Average Volume: 158,003 shs
• Market Capitalization: $25.63 billion
• P/E Ratio: 11.71
• Dividend Yield: 0.39%
• Price Target: $2,291.17
• Consensus Rating: Moderate Buy

First Citizens BancShares Stock Analysis - MarketRank™

First Citizens BancShares scored higher than 100% of companies evaluated by MarketBeat, and ranked 6th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

First Citizens BancShares has received a consensus rating of Moderate Buy. The company's average rating score is 2.54, and is based on 7 buy ratings, 6 hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Citizens BancShares has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 15.57%

Earnings Growth

Earnings for First Citizens BancShares are expected to grow by 15.57% in the coming year, from $167.59 to $193.69 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Citizens BancShares is 11.71, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Citizens BancShares is 11.71, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 229.65.

Price to Book Value per Share Ratio

First Citizens BancShares has a P/B Ratio of 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.53% of the float of First Citizens BancShares has been sold short.

Short Interest Ratio / Days to Cover

First Citizens BancShares has a short interest ratio ("days to cover") of 4.5.

Change versus previous month

Short interest in First Citizens BancShares has recently decreased by 10.61%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

First Citizens BancShares has a dividend yield of 0.39%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Citizens BancShares has been increasing its dividend for 8 years.

Dividend Coverage

The dividend payout ratio of First Citizens BancShares is 4.60%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, First Citizens BancShares will have a dividend payout ratio of 4.03% next year. This indicates that First Citizens BancShares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.7 / 5
• Environmental Score: -0.49

Percentage of Shares Shorted

3.53% of the float of First Citizens BancShares has been sold short.

Short Interest Ratio / Days to Cover

First Citizens BancShares has a short interest ratio ("days to cover") of 4.5.

Change versus previous month

Short interest in First Citizens BancShares has recently decreased by 10.61%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.66

News Sentiment

First Citizens BancShares has a news sentiment score of 1.66. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.23 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for First Citizens BancShares this week, compared to 11 articles on an average week.

Search Interest

Only 5 people have searched for FCNCA on MarketBeat in the last 30 days. This is a decrease of -17% compared to the previous 30 days.

MarketBeat Follows

Only 3 people have added First Citizens BancShares to their MarketBeat watchlist in the last 30 days. This is a decrease of -40% compared to the previous 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, First Citizens BancShares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $2,485,986.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

13.19% of the stock of First Citizens BancShares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

78.01% of the stock of First Citizens BancShares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FCNCA Stock Analysis - Frequently Asked Questions

How have FCNCA shares performed this year?

First Citizens BancShares' stock was trading at $2,113.02 on January 1st, 2025. Since then, FCNCA shares have decreased by 6.1% and is now trading at $1,983.91.

How were First Citizens BancShares' earnings last quarter?

First Citizens BancShares, Inc. (NASDAQ:FCNCA) released its quarterly earnings results on Friday, July, 25th. The bank reported $44.78 earnings per share (EPS) for the quarter, beating the consensus estimate of $39.08 by $5.70. The bank earned $2.38 billion during the quarter, compared to analysts' expectations of $2.21 billion. First Citizens BancShares had a trailing twelve-month return on equity of 11.32% and a net margin of 16.37%.

Is First Citizens BancShares doing a stock buyback?

First Citizens BancShares' board initiated a stock repurchase program on Thursday, July 25th 2024, which permits the company to buy back $3,500,000,000 in outstanding shares, according to EventVestor. This means that the company could buy up to 12.3% of its stock through open market purchases. Stock repurchase programs are typically an indication that the company's management believes its shares are undervalued.

Who are First Citizens BancShares' major shareholders?

First Citizens BancShares' top institutional shareholders include Vanguard Group Inc. (6.92%), JPMorgan Chase & Co. (3.14%), State Street Corp (1.75%) and Geode Capital Management LLC (1.44%). Insiders that own company stock include Frank B Holding Jr, Jeffery L Ward, Hope Holding Bryant, Olivia Britton Holding, Craig L Nix, Daniel L Heavner, Ellen R Alemany, Ralph Mattox Snow III and Eugene Flood Jr.
View institutional ownership trends.

How do I buy shares of First Citizens BancShares?

Shares of FCNCA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Record date for 6/16 Dividend: 5/30/2025
• Ex-Dividend for 6/16 Dividend: 5/30/2025
• Dividend Payable: 6/16/2025
• Last Earnings: 7/25/2025
• Record date for 9/15 Dividend: 8/29/2025
• Ex-Dividend for 9/15 Dividend: 8/29/2025
• Today: 9/01/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FCNCA
• CIK: 798941
• Web: www.firstcitizens.com
• Phone: (919) 716-7000
• Fax: 919-716-7074
• Employees: 17,475
• Year Founded: 1898

Price Target and Rating

• Average Price Target for First Citizens BancShares: $2,291.17
• High Price Target: $2,600.00
• Low Price Target: $2,000.00
• Potential Upside/Downside: +15.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.54
• Research Coverage: 13 Analysts

Profitability

• EPS (Trailing Twelve Months): $169.46
• Trailing P/E Ratio: 11.71
• Forward P/E Ratio: 11.84
• P/E Growth: N/A
• Net Income: $2.78 billion
• Net Margins: 16.37%
• Pretax Margin: 20.61%
• Return on Equity: 11.32%
• Return on Assets: 1.08%

Debt

• Debt-to-Equity Ratio: 1.76
• Current Ratio: 1.04
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $14.97 billion
• Price / Sales: 1.71
• Cash Flow: $235.06 per share
• Price / Cash Flow: 8.44
• Book Value: $1,679.22 per share
• Price / Book: 1.18

Miscellaneous

• Outstanding Shares: 12,920,000
• Free Float: 11,217,000
• Market Cap: $25.63 billion
• Optionable: Optionable
• Beta: 0.71