First Citizens BancShares, Inc. (FCNCA)

NASDAQ: FCNCA · USD

$2,324

-31.33 (-1.3%)· Recorded snapshot

Market cap	25.8B
Revenue (ttm)	9.5B
Net income (ttm)	2.3B
EPS (ttm)	$195
Shares out	11.1M
P/E (trailing)	11.9x
P/E (forward)	11.4x
Dividend	$9.00 (0.39%)
Volume	93,578
Beta	0.58

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 9.5B
Net income (ttm): 2.3B
EPS (ttm): $195
P/E (trailing): 11.9x
P/E (forward): 11.4x
Market cap: 25.8B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E11.4

P25 n/aP50 n/aP75 n/a

Trailing P/E11.9

P25 n/aP50 n/aP75 n/a

ROE11

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All FCNCA indicators

Market & fundamental data

Available fields

244

Groups with data

Currency

USD

Showing 244 of 244 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000798941
Company name	First Citizens BancShares, Inc.
Country	United States
Country code	US
CUSIP number	31946M103
Earnings date	2026-10-23
Earnings time	bmo
Employees	17,876
Employees change	401
Employees growth	2.29%
Enterprise value	$32.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1898
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US31946M1036
Last 10-K release date	2026-02-24
Last earnings date	2026-10-23
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$25.8B
Market cap category	Large-Cap
Next earnings date	2027-01-22
Options	Yes
Price	$2,324.30
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	FCNCA
U.S. state	North Carolina
Website	https://www.firstcitizens.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	11.14x
Average P/E ratio (10Y)	11.24x
Average P/E ratio (3Y)	9.6x
Average P/E ratio (5Y)	9.49x
Earnings yield	8.38%
EV/Earnings	14.21x
EV/FCF	20.25x
EV/Sales	3.43x
FCF / EV yield	4.94%
FCF yield	6.19%
Forward EV/Sales	3.48x
Forward P/E	11.36x
Forward P/S	2.78x
Graham number	2774.06272
Graham upside	18.64%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$4,868.27
Lynch upside	108.2%
P/B ratio	1.34x
P/E ratio	11.94x
P/FCF ratio	16.16x
P/OCF ratio	8.17x
P/S ratio	2.74x
PEG ratio	1.19x
Price / tangible book value	1.39x
Sector forward P/E	13.65x
Sector P/E	15.7x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	25.53%
FCF margin	17.23%
Operating margin	37.07%
Pretax margin	33.86%
Profit margin	25.21%
Profit per employee	$128,161
Profitable quarters	126
Profitable years	33
Revenue per employee	$530,712
ROA	1.01%
ROA (5Y)	2.33%
ROE	10.98%
ROE (5Y)	24.86%
Tax / revenue	8.64%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	15.03%
EPS growth (Q)	18.92%
EPS growth (QoQ)	-7.66%
EPS growth 10Y	26.92%
EPS growth 3Y	-36.66%
EPS growth 5Y	28.6%
EPS growth quarters	2
EPS growth years	0
FCF growth	4.35%
FCF growth 3Y	23.58%
Net income growth	2.84%
Net income growth (Q)	6.69%
Net income growth (QoQ)	-9.84%
Net income growth 3Y	-40.99%
Net income growth 5Y	33.34%
Net income growth quarters	2
Net income growth years	0
OCF growth	3.72%
OCF growth 10Y	28.94%
OCF growth 3Y	14.59%
Revenue growth	6.63%
Revenue growth (Q)	6.91%
Revenue growth (QoQ)	-2.12%
Revenue growth 10Y	21.53%
Revenue growth 3Y	13.62%
Revenue growth 5Y	37.37%
Revenue growth quarters	3
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.6B
EPS	$194.73
FCF per share	$144.71
Financing cash flow	$4.9B
Free cash flow	$1.6B
Gross profit	$9.5B
Income taxes	$820M
Investing cash flow	$-7.5B
Net borrowing	$-6B
Net cash flow	$630M
Net income	$2.3B
Operating income	$3.5B
Revenue	$9.5B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$1,756.37
Debt / equity	1.21
Debt / FCF	16.2
Goodwill	$418M
Net cash (debt)	$-6.6B
Net cash / market cap	-25.33%
Net debt / equity	0.3
Net debt / FCF	4.09
Piotroski F-Score	4
Property, plant and equipment	$12.5B
Shareholders' equity	$21.6B
Tangible book value	$18.7B
Tangible book value per share	$1,687.34
Total assets	$241.2B
Total cash	$19.5B
Total debt	$26B
Total liabilities	$219.6B
WACC	3.72%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-167.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	12.17%
Dividend growth	7.55%
Dividend growth (10Y)	21.7%
Dividend growth (3Y)	30.02%
Dividend growth (5Y)	35.38%
Dividend growth years	9
Dividend payment date	2026-12-15
Dividend payment years	41
Dividend payout frequency	Quarterly
Dividend per share	$9.00
Dividend yield	0.39%
Ex-dividend date	2026-11-30
FCF payout ratio	6.22%
Last dividend	$2.25
Payout ratio	4.62%
Shareholder yield	12.55%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	706.88%
10Y return CAGR	23.65%
10Y total return	735.19%
150-day SMA	$2,082.76
15Y price change	1,273.73%
15Y return CAGR	19.59%
15Y total return	1,362.87%
1D price change	-1.33%
1M price change	11.42%
1M total return	11.42%
1W price change	9.85%
1W total return	9.85%
1Y price change	30.4%
1Y return CAGR	30.97%
1Y total return	30.95%
20-day SMA	$2,146.50
200-day SMA	$2,060.77
20Y price change	1,150.48%
20Y return CAGR	14.02%
20Y total return	1,280.03%
3M price change	8.97%
3M total return	9.08%
3Y price change	72.72%
3Y return CAGR	20.46%
3Y total return	74.8%
50-day SMA	$2,141.90
50-day SMA vs 200-day SMA	50over200
52-week high	$2,429.96
52-week high date	2026-10-23
52-week low	$1,735.03
52-week low date	2025-10-29
5Y price change	184.09%
5Y return CAGR	23.66%
5Y total return	189.1%
6M price change	18.02%
6M total return	18.26%
All-time high	$2,429.96
All-time high date	2026-10-23
All-time low	$18.50
All-time low date	1990-10-26
Average true range (ATR)	$56.33
Average volume	81.2K
Beta (1Y)	0.42
Beta (2Y)	1.05
Beta (5Y)	0.58
Change from 52-week high	-4.35%
Change from 52-week low	33.96%
Change from all-time high	-4.15%
Change from all-time low	12,490%
Change from open	-1.52%
Day's gap	0.2%
Dollar volume	$217.5M
High price	$2,363.43
Low price	$2,317.20
Monthly RSI	64.13
Open price	$2,360.19
Position in 52-week range	15.35%
Premarket change	0.28%
Premarket close	$2,355.51
Premarket price	$2,361.99
Premarket volume	181
Previous close	$2,355.51
Price vs 150-day SMA	11.83%
Price vs 20-day SMA	8.51%
Price vs 200-day SMA	13.02%
Price vs 50-day SMA	8.74%
Relative volume	1.15
RSI	69.27
Sharpe ratio	0.99
Sharpe ratio (3Y)	0.65
Sharpe ratio (5Y)	0.59
Sortino ratio	1.68
Sortino ratio (3Y)	1.17
Sortino ratio (5Y)	1.25
Volume	93.6K
Weekly RSI	63.71
YTD price change	8.53%
YTD total return	8.86%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	8M
Float percentage	71.67%
Shares change (QoQ)	-2.47%
Shares change (YoY)	-12.17%
Shares held by insiders	25.45%
Shares held by institutions	119.51%
Shares outstanding	11.1M
Short % of float	5.96%
Short % of shares	4.27%
Short ratio	6.9 days

Deeper analysis on FCNCA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this FCNCA report

Is a complete FCNCA research report available?

No complete published report is available for First Citizens BancShares, Inc. (FCNCA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

First Citizens BancShares, Inc. (FCNCA)

Price

Financial snapshot

Fair-value bridge

Latest news · FCNCA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FCNCA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FCNCA

Frequently asked questions