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

Company Overview

First Citizens BancShares, Inc. operates as a bank holding company offering a broad spectrum of commercial and consumer banking services through its principal subsidiary, First Citizens Bank & Trust Company. The company’s core business activities encompass commercial lending and deposit-taking, retail banking, wealth management, trust services, treasury and cash management, and mortgage lending. Its retail banking offerings include checking and savings accounts, home equity loans, credit cards, and online and mobile banking platforms designed to meet the needs of individuals, small businesses and middle-market corporations.

In its commercial banking segment, First Citizens provides lending solutions such as term loans, revolving credit facilities, asset-based financing and real estate financing. It also offers specialized treasury management services, including collections, disbursements, ACH, wire transfers and fraud protection products. Through its wealth management division, the bank delivers trust and fiduciary services, financial planning, investment advisory and brokerage services, catering to high-net-worth individuals, families and institutional clients. Mortgage banking operations include origination and servicing of residential and commercial mortgages, as well as secondary market sales.

Headquartered in Raleigh, North Carolina, First Citizens BancShares has expanded its footprint across the Eastern and Central United States through a series of strategic acquisitions. Key markets include the Carolinas, Georgia, Virginia, Florida, Tennessee, Texas and California, among others. The company uses a network of full-service branches, business lending offices and treasury product centers to serve urban, suburban and rural communities. Its digital banking infrastructure supports both consumer and commercial customers with 24/7 access to account information, funds transfer and remote deposit capture.

Founded in 1898, First Citizens has grown from a single community bank into one of the country’s largest privately controlled banking organizations. The company is led by Chairman and Chief Executive Officer Frank B. Holding Jr., whose family ownership has guided the bank’s strategic growth and maintained a focus on relationship banking. First Citizens emphasizes a client-centric culture, disciplined credit underwriting and conservative balance sheet management as cornerstones of its long-term performance and community engagement.

Key Stats

• Today's Range: $2,068.81 to $2,105.29
• 50-Day Range: $1,778.04 to $2,097.23
• 52-Week Range: $1,473.62 to $2,412.93
• Volume: 83,201 shs
• Average Volume: 88,885 shs
• Market Capitalization: $27.87 billion
• P/E Ratio: 12.01
• Dividend Yield: 0.37%
• Price Target: $2,299.50
• Consensus Rating: Moderate Buy

First Citizens BancShares Stock Analysis - MarketRank™

First Citizens BancShares scored higher than 99% of companies evaluated by MarketBeat, and ranked 8th out of 903 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: 2.3 / 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 2.62, and is based on 8 buy ratings, 5 hold ratings, and no sell ratings.

Amount of Analyst Coverage

First Citizens BancShares has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.8 / 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 12.01, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Citizens BancShares is 12.01, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Earnings Growth Ratio

First Citizens BancShares has a PEG Ratio of 0.95. PEG Ratios around 1 indicate that a company is correctly valued.

Price to Book Value per Share Ratio

First Citizens BancShares has a P/B Ratio of 1.25. 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

3.61% 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 4.4.

Change versus previous month

Short interest in First Citizens BancShares has recently decreased by 7.38%, 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 0.38%, 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 4.47%. 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

3.61% 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 4.4.

Change versus previous month

Short interest in First Citizens BancShares has recently decreased by 7.38%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.10

News Sentiment

First Citizens BancShares has a news sentiment score of 1.10. 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 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for First Citizens BancShares this week, compared to 10 articles on an average week.

Search Interest

Only 1 people have searched for FCNCA on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

MarketBeat Follows

4 people have added First Citizens BancShares to their MarketBeat watchlist in the last 30 days. This is an increase of 300% 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 $563,500.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

13.40% 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 at the beginning of the year. Since then, FCNCA stock has decreased by 0.7% and is now trading at $2,097.23.

How were First Citizens BancShares' earnings last quarter?

First Citizens BancShares, Inc. (NASDAQ:FCNCA) announced its earnings results on Thursday, April, 24th. The bank reported $37.79 EPS for the quarter, beating analysts' consensus estimates of $37.72 by $0.07. The bank had revenue of $2.30 billion for the quarter, compared to analysts' expectations of $2.22 billion. First Citizens BancShares had a trailing twelve-month return on equity of 11.98% and a net margin of 17.10%.

Is First Citizens BancShares doing a stock buyback?

First Citizens BancShares' board initiated a stock repurchase plan on Thursday, July 25th 2024, which allows the company to repurchase $3,500,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 12.3% of its shares through open market purchases. Shares buyback plans are usually a sign that the company's board of directors believes its shares are undervalued.

Who are First Citizens BancShares' major shareholders?

Top institutional investors of First Citizens BancShares include Reinhart Partners LLC. (0.52%), E. Ohman J or Asset Management AB (0.10%), Harbor Capital Advisors Inc. (0.04%) and Livforsakringsbolaget Skandia Omsesidigt (0.02%). Insiders that own company stock include Olivia Britton Holding, Jeffery L Ward, Frank B Holding Jr, Hope Holding Bryant, Craig L Nix, Marisa Harney, Daniel L Heavner, Ellen R Alemany 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

• Last Earnings: 4/24/2025
• Record date for 6/16 Dividend: 5/30/2025
• Ex-Dividend for 6/16 Dividend: 5/30/2025
• Dividend Payable: 6/16/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/24/2025
• 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: N/A

Price Target and Rating

• Average Price Target for First Citizens BancShares: $2,299.50
• High Price Target: $2,600.00
• Low Price Target: $2,000.00
• Potential Upside/Downside: +9.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.62
• Research Coverage: 13 Analysts

Profitability

• EPS (Trailing Twelve Months): $174.64
• Trailing P/E Ratio: 12.01
• Forward P/E Ratio: 12.51
• P/E Growth: 0.95
• Net Income: $2.78 billion
• Net Margins: 17.10%
• Pretax Margin: 21.90%
• Return on Equity: 11.98%
• Return on Assets: 1.16%

Debt

• Debt-to-Equity Ratio: 1.77
• Current Ratio: 1.04
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $9.59 billion
• Price / Sales: 2.91
• Cash Flow: $237.24 per share
• Price / Cash Flow: 8.84
• Book Value: $1,679.22 per share
• Price / Book: 1.25

Miscellaneous

• Outstanding Shares: 13,289,000
• Free Float: 11,536,000
• Market Cap: $27.87 billion
• Optionable: Optionable
• Beta: 0.64