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    First Citizens BancShares, Inc. (FCNCA)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $2055.34
    -19.78 (-0.95%)

    Market Cap: $23.21B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    83%(19/23)
    Avg Surprise
    +17.09%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$45.90
    Range$43.94 - $48.86
    10 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$45.61+0.6%
    60d ago$45.32+1.3%
    30d ago$45.37+1.2%
    7d ago$45.48+0.9%
    Current$45.90
    Revenue Consensus
    $2.2B
    Range$2.2B - $2.3B
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$68.81
    Range$55.61 - $76.33
    11 analysts
    Revenue Consensus
    $2.3B
    Range$2.2B - $2.4B
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$68.81---
    Sep 26EST
    		-$45.90---
    Jun 26
    Reported Jul 23
    		$57.09$40.45+41.14%Beat+27.5%
    Mar 26
    Reported Apr 23
    		$44.86$39.23+14.35%Beat+18.7%
    Dec 25
    Reported Jan 23
    		$51.27$43.79+17.08%Beat+13.7%
    Sep 25
    Reported Oct 23
    		$44.62$41.49+7.54%Beat-2.7%
    Jun 25
    Reported Jul 25
    		$44.78$39.09+14.56%Beat-12.0%
    Mar 25
    Reported Apr 24
    		$37.79$37.69+0.27%Beat-28.6%
    Dec 24
    Reported Jan 24
    		$45.10$39.11+15.32%Beat-3.2%
    Sep 24
    Reported Oct 24
    		$45.87$47.50-3.43%Miss-18.0%
    Jun 24
    Reported Jul 25
    		$50.87$44.82+13.50%Beat-3.3%
    Mar 24
    Reported Apr 25
    		$52.92$44.15+19.86%Beat+163.4%
    Dec 23
    Reported Jan 26
    		$46.58$49.34-5.59%Miss+122.4%
    Sep 23
    Reported Oct 26
    		$55.92$48.83+14.52%Beat+169.2%
    Jun 23
    Reported Aug 3
    		$52.60$48.15+9.24%Beat+212.0%
    Mar 23
    Reported May 10
    		$20.09$12.51+60.59%Beat+6.0%
    Dec 22
    Reported Jan 26
    		$20.94$22.98-8.88%Miss+65.7%
    Sep 22
    Reported Oct 27
    		$20.77$19.65+5.70%Beat+75.9%
    Jun 22
    Reported Jul 28
    		$16.86$17.02-0.94%Miss+25.9%
    Mar 22
    Reported Apr 28
    		$18.95$8.53+122.16%Beat+28.5%
    Dec 21
    Reported Jan 26
    		$12.64$10.95+15.43%Beat+2.6%
    Sep 21
    Reported Oct 27
    		$11.81$11.21+5.35%Beat-15.8%
    Jun 21
    Reported Aug 3
    		$13.39$11.98+11.77%Beat-9.2%
    Mar 21
    Reported Apr 28
    		$14.75$11.94+23.53%Beat+170.1%
    Dec 20
    Reported Jan 26
    		$12.32$12.32+0.00%Beat+29.0%
    Sep 20
    Reported Oct 16
    		$14.03N/AN/ABeat+24.4%
    Jun 20
    Reported Jul 28
    		$14.74N/AN/ABeat+39.6%
    Mar 20
    Reported Apr 28
    		$5.46N/AN/ABeat-43.5%
    Dec 19
    Reported Jan 28
    		$9.55N/AN/ABeat+25.3%
    Sep 19
    Reported Oct 29
    		$11.28N/AN/ABeat+15.1%
    Jun 19
    Reported Jul 30
    		$10.56N/AN/ABeat+35.9%
    Mar 19
    Reported Apr 30
    		$9.67N/AN/ABeat+15.8%
    Dec 18
    Reported Jan 30
    		$7.62N/AN/ABeat+14.2%
    Sep 18
    Reported Oct 24
    		$9.80N/AN/ABeat+75.6%
    Jun 18
    Reported Jul 26
    		$7.77N/AN/ABeat-30.7%
    Mar 18
    Reported Apr 25
    		$8.35N/AN/ABeat+48.3%
    Dec 17
    Reported Jan 31
    		$6.67N/AN/ABeat+18.5%
    Sep 17
    Reported Oct 25
    		$5.58N/AN/ABeat-
    Jun 17
    Reported Jul 26
    		$11.21N/AN/ABeat-
    Mar 17
    Reported Apr 26
    		$5.63N/AN/ABeat-
    Dec 16
    Reported Jan 25
    		$5.63N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield0.41%
    Forward Annual Dividend$8.40
    Payout Ratio4.12%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+54.40%
    5Y CAGR+36.62%
    FCNCA dividend history and ex-dividend datesRun FCNCA in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.39EV/EBITDA14.67x
    Price/FCF14.75xFCF Yield6.78%
    Profitability
    Profit Margin25.20%Operating Margin39.00%
    ROE10.60%ROIC4.35%
    Financial Health
    Debt/Equity1.47xInterest Coverage0.65x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.58Avg Volume65.09K
    52-Week High$2294.1052-Week Low$1638.74

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$2074.50
    SMA 20$2079.28
    SMA 50$2146.55
    SMA 200$2055.76
    EMA 10$2073.79
    EMA 20$2087.46
    EMA 50$2112.19
    EMA 200$2053.45

    MACD

    Line: -19.63Signal: -21.48Hist: 1.85

    ADX

    ADX: 34.3+DI: 11.0-DI: 27.8

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down64.0
    PSAR$2023.00

    Bollinger Bands

    Upper Band$2122.62
    Lower Band$2035.94
    %B Position417%(Upper)
    Band Width0.22

    RSI (14-Day)

    Neutral
    40.4

    Momentum Oscillators

    Stoch %K59.4
    Stoch %D57.9
    Williams %R-55.9
    ROC (10d)-0.2%
    Momentum-4.86
    CCI (20d)-125.3
    MFI (14d)38.4

    Volatility Measures

    ATR (14d)$43.24(2.1%)
    StdDev (20d)21.67
    Hist Vol15.6%(Low)

    Volume Flow

    VWAP$2050.18
    OBV327.1K
    AD Line-5.5M
    CMF (20d)0.082

    Volume Metrics

    Avg Vol (20d)65.1K
    Vol Ratio0.7x
    VWMA (20d)$2080.03

    Pivot Points

    R3$2139.16
    R2$2117.67
    R1$2096.39
    Pivot Point$2074.90
    S1$2053.62
    S2$2032.13
    S3$2010.85

    Advanced Oscillators

    TSI-14.65
    Ultimate Osc55.9
    KST-39.28

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$2.43B$2.31B$2.44B$2.43B$2.37B$2.30B$2.41B$2.45B$2.46B$2.44B$2.45B$2.60B
    Cost of RevenueN/A$1.17B$1.38B$1.46B$1.36B$1.39B$1.45B$1.46B$1.40B$1.33B$1.46B$1.31B
    Gross ProfitN/A$2.31B$2.27B$2.24B$2.26B$2.14B$2.24B$2.32B$2.30B$2.37B$2.22B$2.39B
    Operating Expenses$1.55B$1.54B$1.57B$1.49B$1.50B$1.49B$1.52B$1.46B$1.39B$1.38B$1.49B$1.42B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$705.00M$811.00M$751.00M$758.00M$651.00M$736.00M$873.00M$979.00M$1.00B$713.00M$997.00M
    Interest Income$2.85B$2.79B$2.94B$3.00B$2.94B$2.90B$3.00B$3.14B$3.13B$3.08B$3.12B$3.11B
    Interest Expense$1.20B$1.17B$1.22B$1.26B$1.25B$1.23B$1.29B$1.34B$1.31B$1.27B$1.21B$1.12B
    Income Before Tax$891.00M$705.00M$811.00M$751.00M$758.00M$651.00M$736.00M$873.00M$979.00M$1.00B$713.00M$997.00M
    Income Tax Expense$219.00M$171.00M$231.00M$183.00M$183.00M$168.00M$36.00M$234.00M$272.00M$273.00M$199.00M$245.00M
    Net Income$672.00M$534.00M$580.00M$568.00M$575.00M$483.00M$700.00M$639.00M$707.00M$731.00M$514.00M$752.00M
    EBITDA$1.05B$885.00M$932.00M$842.00M$858.00M$744.00M$830.00M$915.00M$985.00M$992.00M$668.00M$895.00M
    EBIT$891.00M$705.00M$811.00M$751.00M$758.00M$651.00M$736.00M$873.00M$979.00M$1.00B$713.00M$997.00M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Revman International Secures $87 million from First Citizens Bank

    Revman International has secured $87 million in expanded funding and banking solutions from First Citizens Bank. This financing includes an increased ABL revolver of $55 million and a new $32 million commercial real...

    Sahm•8/12/26•Bullish

    First Citizens BancShares (FCNCA) family group updates 24.89% Class A ownership

    Members of the Holding/Bryant/Bristow/Brice family group have filed an updated Schedule 13D/A, indicating a beneficial ownership of approximately 24.89% of First Citizens BancShares' (FCNCA) Class A Common Stock as...

    Stock Titan•8/11/26•Neutral

    First Citizens Bank Introduces Working Capital Finance Group

    First Citizens Bank has launched a new "Working Capital Finance" group, combining its factoring, asset-based lending, supply chain finance, international factoring...

    Sahm•8/4/26•Bullish

    First Citizens Bank Purchases Office Buildings in San Diego

    First Citizens Bank announced the purchase of two office buildings in San Diego to support its growing presence in Southern California. The buildings, totaling 164,943 square feet...

    TradingView•7/30/26•Bullish

    First Citizens Bank Purchases Office Buildings in San Diego

    First Citizens Bank announced the purchase of two office buildings in San Diego, totaling 164,943 square feet. This acquisition supports the bank's growing presence in Southern California...

    Sahm•7/30/26•Bullish

    FCNCA Valuation and Fair Value

    P/E
    10.4x
    Forward P/E
    10.8x
    EV/EBITDA
    14.7x
    P/FCF
    14.7x
    PEG
    1.1x
    P/B
    1.2x
    See GNG's fair value

    FCNCA Profitability: Margins, ROIC and FCF

    Operating margin
    39.0%
    Net margin
    25.2%
    ROIC
    4.4%
    ROE
    10.6%
    FCF margin
    16.7%
    FCF yield
    6.8%

    FCNCA Competitors

    CompanyTicker
    Tradeweb Markets IncTW
    Principal Financial Group IncPFG
    Synchrony FinancialSYF
    Regions Financial CorporationRF
    Cincinnati Financial CorporationCINF
    Grupo Cibest S.A.CIB
    Citizens Financial Group, Inc.CFG
    Loews CorpL

    Sector: Financial Services

    FCNCA Analyst Ratings

    Consensus
    Hold
    Analysts
    13
    Strong Buy
    0
    Buy
    2
    Hold
    11
    Sell
    0
    Strong Sell
    0

    FCNCA Bull Case vs Bear Case

    Bull case

    • FCNCA converts 16.7% of revenue into free cash flow.
    • FCNCA has a 25.2% net profit margin.
    • FCNCA beat EPS estimates in 87.5% of its last 8 reported quarters.

    FCNCA Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    13.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $45.90
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    FCNCA Dividend

    Forward yield
    0.4%
    Payout ratio
    4.1%
    3Y DPS growth
    54.4%
    5Y DPS growth
    36.6%
    Pay months
    Mar, Jun, Sep, Dec
    FCNCA dividend history

    Frequently Asked Questions About FCNCA

    What is FCNCA's current dividend yield?

    First Citizens BancShares, Inc. (FCNCA) has a forward dividend yield of 0.41%.

    Does FCNCA pay dividends?

    Yes, First Citizens BancShares, Inc. pays dividends with a forward dividend yield of 0.41%.

    What is FCNCA's P/E ratio?

    First Citizens BancShares, Inc. has a price-to-earnings (P/E) ratio of 10.39.

    What is FCNCA's market cap?

    First Citizens BancShares, Inc. (FCNCA) has a market capitalization of $23.21B with a current stock price of $2055.34.

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