First Citizens BancShares, Inc. FCNCA R3KFINANCIAL
Company Overview
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 accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
Why Investors Should Care
Net profit has compounded at 20.6% per year over the last five years.
Revenue has grown at a 23.4% CAGR over the past five years.
Trades at a P/E of 11.5, below the sector median of 12.9.
Maintains a net profit margin of 25.2%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $9.54B (-2.2% YoY); net profit $2.21B.
- Trailing 12 Months Year-on-year growth — revenue +8.5%, earnings +31.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 23.4%, profit CAGR 20.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 23.36% |
| 1 Year: | 8.50% |
Compounded Profit Growth
| 5 Years: | 20.62% |
| 1 Year: | 31.00% |
Stock Price Performance
| 1 Year: | +13.35% |
| 6 Months: | +12.93% |
| 3 Months: | +3.75% |
| 1 Month: | -3.00% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)45.83 · Neutral
P/E of 11.53 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 25.2%.
- Compounding revenue at 23.4% over 5 years.
- Profit CAGR of 20.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FCNCA First Citizens BancShares, Inc. R3KFINANCIAL | 2,149.93 | 11.53 | $22.12B | 0.39% | - | 10.65% | 23.36% | 20.62% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2013 | Sep 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.44B | 2.46B | 2.45B | 2.30B | 2.37B | 2.43B | 2.31B | 2.43B |
| Net Income | 43.91M | 40.98M | 22.48M | 26.69M | 26.50M | 67.16M | 44.52M | 55.96M | 52.07M | 69.32M | 51.40M | 67.62M | 134.66M | 67.06M | 100.23M | 93.29M | 117.32M | 111.36M | 119.36M | 124.78M | 57.17M | 153.79M | 142.68M | 147.00M | 153.00M | 124.00M | 271.00M | 255.00M | 315.00M | 9.52B | 682.00M | 752.00M | 731.00M | 707.00M | 639.00M | 483.00M | 575.00M | 568.00M | 534.00M | 672.00M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.03 | 14.53 | 15.09 | 12.17 | 16.70 | 14.86 | 19.25 | 653.64 | 45.87 | 50.67 | 49.26 | 47.54 | 43.42 | 34.47 | 42.36 | 43.08 | 42.63 | 55.52 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.08B | 18.79B | 9.76B | 9.54B |
| Net Income | 91.06M | 116.33M | 193.04M | 195.03M | 132.40M | 166.87M | 138.56M | 210.39M | 225.48M | 323.75M | 400.31M | 457.37M | 492.00M | 547.00M | 1.10B | 11.47B | 2.78B | 2.21B |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | 47.50 | 53.88 | 67.40 | 784.51 | 189.41 | 165.24 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 18.47B | 20.81B | 21.00B | 21.28B | 21.19B | 30.08B | 31.48B | 32.99B | 34.53B | 35.41B | 39.82B | 49.96B | 58.31B | 109.30B | 213.76B | 223.72B | 229.70B |
| Total Equity | 1.44B | 1.44B | 1.56B | 1.73B | 1.86B | 1.86B | 2.07B | 2.69B | 2.87B | 3.01B | 3.33B | 3.49B | 3.59B | 4.23B | 4.74B | 9.66B | 21.25B | 22.23B | 22.24B |
| Cash & Equivalents | 793.79M | 593.38M | 480.24M | 460.18M | 590.80M | 639.73M | 533.60M | 604.18M | 534.09M | 539.74M | 336.15M | 327.44M | 376.72M | 4.27B | 9.03B | - | - | - | - |
| Long Term Debt | - | - | 797.37M | 809.95M | 687.60M | 444.92M | 510.77M | 351.32M | 704.15M | 832.94M | 870.24M | 319.87M | 588.64M | 1.25B | 1.20B | 4.46B | 37.17B | 36.68B | 35.78B |
| Total Liabilities | - | - | 16.91B | 19.07B | 19.14B | 19.42B | 19.12B | 27.39B | 28.60B | 29.98B | 31.19B | 31.92B | 36.24B | 45.73B | 53.57B | 99.64B | 192.50B | 201.49B | 207.46B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 212.11M | 168.08M | 146.74M | - | - | - | - | - | - | 355.26M | 453.77M | 578.25M | 376.00M | - | 2.79B | 2.66B | 2.99B | 2.92B |
| Investing Cash Flow | -856.74M | -142.87M | -129.60M | - | - | - | - | - | - | -668.67M | 101.14M | -1.60B | -9.91B | - | 75.00M | 2.43B | -10.15B | -5.61B |
| Financing Cash Flow | 444.22M | -138.34M | -37.20M | - | - | - | - | - | - | 109.82M | -563.62M | 1.07B | 9.52B | - | -2.69B | -4.70B | 7.07B | 2.67B |
| Capital Expenditure | -95.16M | -95.88M | -70.84M | -76.90M | -88.88M | -66.04M | -82.71M | -89.73M | -81.84M | -84.80M | -140.44M | -121.08M | -133.00M | - | -926.00M | -1.43B | -1.53B | -1.56B |
| Free Cash Flow | 116.95M | 72.20M | 75.90M | - | - | - | - | - | - | 270.46M | 313.32M | 457.17M | 243.00M | - | 1.86B | 1.23B | 1.45B | 1.36B |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 180.00M | 390.00M | -94.00M | -13.00M |
| Share Buybacks | - | 0 | 0 | 24.39M | 103.62M | 321.00K | 0 | 0 | 0 | 0 | 163.09M | 453.12M | 334.00M | 0 | 1.24B | 0 | 1.65B | 3.03B |
| Dividends Paid | - | - | - | - | - | - | - | - | - | - | - | - | 30.00M | 42.00M | 83.00M | 117.00M | 158.00M | 161.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.6% | 61.0% | 28.5% | 23.1% |
| ROE % | 6.3% | 7.5% | 11.1% | 10.5% | 7.1% | 8.1% | 5.2% | 7.3% | 7.5% | 9.7% | 11.5% | 12.8% | 11.6% | 11.5% | 11.4% | 53.9% | 12.5% | 9.9% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Harris Associates L.P. | 8.94% | 919.35K | $1.94B |
| 2 | Blackrock Inc. | 8.35% | 859.14K | $1.81B |
| 3 | Dodge & Cox Inc. | 3.93% | 404.21K | $853.66M |
| 4 | Vanguard Capital Management LLC | 3.49% | 358.57K | $757.27M |
| 5 | Vanguard Portfolio Management LLC | 3.04% | 312.32K | $659.58M |
| 6 | State Street Corporation | 2.02% | 208.23K | $439.76M |
| 7 | JPMORGAN CHASE & CO | 1.80% | 184.81K | $390.29M |
| 8 | Geode Capital Management, LLC | 1.67% | 171.81K | $362.85M |
| 9 | Hotchkis & Wiley Capital Management, LLC | 1.51% | 154.96K | $327.26M |
| 10 | Coatue Management LLC | 1.36% | 139.50K | $294.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FCNCA
First Citizens BancShares (FCNCA) absorbs billions in BMO deposits in 11-state branch deal - Stock Titan
<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxOVmtNSGVMMElTSFF2a2dvejRvMTJxNlczYk51NktlYnFwQzBvZkR1VVRYWkRNSGV0YjdVSjlONEFka0QyMm96and5eUo1MTdmRGswbGpROXo3cXh0Y2Y3QVZGd3ZPU1RCa3RvYmU4Y19pZUJTWWZ6dml3dXRNZVBUSkkzVjFvT2g3eVdPdj…
First Citizens Bank Completes 138-Branch Acquisition, Adding $5 Billion in Deposits - finance.yahoo.com
<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxPR29IQlR5V3F4VUNwYV84eU5NYkwxcDBIOVI5d0lieHZTOC05RnU1SU9iZndIWWVuLVVFaEk3dlZCbkhsZnB1TjVNbU9oX25ZdDd6ZnZLb1FfdWc3aGZGck5WRVdzb0RWd3ZCZGZjTnpvbGtDWWs5SVJJUUlraVhLeHVMa25nNnVwQ082SX…
First Citizens BancShares, Inc. (NASDAQ:FCNCA) Given Consensus Rating of "Hold" by Analysts - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMi4wFBVV95cUxQS2NXMWZoSFZ0UndVeElnTEE2V3BiS2Rqd2J6YUpRT1I2M3N3cEUwQTVUTGoxU0g4dnJZMWNaSlU1S2t0ZDNIZzhvWEFraE9LZHhNRTMxXzNKTi1TdHlMbEkzR2o2MWVuczFxeWVHa0d3X19GazAxSjVNUmtIR2cya0JWQzJKSS04Y21STX…
If You Invested $100 In First Citizens BancShares Stock 15 Years Ago, You Would Have This Much Today - Benzinga
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First Citizens (NASDAQ:FCNCA): Is Its Earnings Momentum Sustainable? - Kalkine Media
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First Citizens BancShares (NASDAQ:FCNCA) Shares Dip as Q1 Revenue Miss Overshadows EPS Beat - ChartMill
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FCNCA — Frequently Asked Questions
What is the current share price of First Citizens BancShares, Inc. (FCNCA)?
As of 2026-09-19 21:16 PDT, First Citizens BancShares, Inc. (FCNCA) trades at $2,149.93 on NasdaqGS. Its 52-week range is $1,631.87 to $2,289.14.
What is the market capitalisation of FCNCA?
First Citizens BancShares, Inc. (FCNCA) has a market capitalisation of $22.12B on NasdaqGS.
What is the P/E ratio of FCNCA?
FCNCA trades at a trailing price-to-earnings (P/E) ratio of 11.53. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.20.
Does FCNCA pay a dividend?
First Citizens BancShares, Inc. (FCNCA) currently offers a dividend yield of 0.39%.
What is the return on equity (ROE) of FCNCA?
FCNCA has a return on equity (ROE) of 10.65%.
Is FCNCA a good stock to buy?
This page provides a data-driven analysis of First Citizens BancShares, Inc. (FCNCA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.