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    First Citizens BancShares, Inc. (FCNCP)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $17.36
    -0.31 (-1.75%)

    Last updated: Oct 14, 2026 at 5:00 PM ET

    Earnings

    Upcoming Estimates

    Period ending Jun 30, 2026
    EPS Consensus$N/A
    Revenue Consensus
    $2.2B
    Range$2.1B - $2.2B
    6 analysts
    Period ending Sep 30, 2026
    EPS Consensus$N/A
    Revenue Consensus
    $2.2B
    Range$2.2B - $2.3B
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Sep 26EST
    		-N/A---
    Jun 26EST
    		-N/A---
    Mar 26
    Reported Apr 23
    		$N/AN/AN/ABeat-
    Dec 25
    Reported Jan 23
    		$45.78N/AN/ABeat+215.0%
    Sep 25
    Reported Nov 7
    		$43.08$0.00N/ABeat+216.9%
    Jun 21
    Reported Aug 3
    		$12.17$0.00N/ABeat-13.3%
    Mar 21
    Reported May 4
    		$15.09$0.00N/ABeat+2.4%
    Dec 20
    Reported Feb 24
    		$14.53$0.00N/ABeat+166.3%
    Sep 20
    Reported Nov 3
    		$13.59$0.00N/ABeat+42.3%
    Jun 20
    Reported Aug 4
    		$14.03$0.00N/ABeat+24.4%
    Mar 20
    Reported May 5
    		$14.74$0.00N/ABeat+39.4%
    Dec 19
    Reported Feb 26
    		$5.46$0.00N/ABeat-43.5%
    Sep 19
    Reported Nov 5
    		$9.55$0.00N/ABeat+25.3%
    Jun 19
    Reported Aug 6
    		$11.28$0.00N/ABeat+15.1%
    Mar 19
    Reported May 8
    		$10.58$0.00N/ABeat+36.1%
    Dec 18
    Reported Feb 20
    		$9.67$0.00N/ABeat+15.8%
    Sep 18
    Reported Nov 1
    		$7.62$0.00N/ABeat+68.2%
    Jun 18
    Reported Aug 2
    		$9.80$0.00N/ABeat+75.5%
    Mar 18
    Reported May 3
    		$7.77$0.00N/ABeat-30.7%
    Dec 17
    Reported Jan 31
    		$8.35$0.00N/ABeat+48.2%
    Sep 17
    Reported Oct 25
    		$4.53$0.00N/ABeat-
    Jun 17
    Reported Jul 26
    		$5.58$0.00N/ABeat-
    Mar 17
    Reported Apr 26
    		$11.21$0.00N/ABeat-
    Dec 16
    Reported Jan 25
    		$5.63$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield7.74%
    Forward Annual Dividend$1.34
    Payout Ratio0.66%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    FCNCP dividend history and ex-dividend datesRun FCNCP in the free DRIP calculator

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDA8.31x
    Price/FCF0.08xFCF Yield1186.95%
    Profitability
    Profit Margin25.20%Operating Margin39.00%
    ROE10.60%ROIC4.36%
    Financial Health
    Debt/Equity1.47xInterest Coverage0.65x
    Current Ratio9.99xQuick Ratio9.99x
    Trading Statistics
    Beta0.58Avg Volume23.12K
    52-Week High$21.1552-Week Low$17.36

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$17.87
    SMA 20$18.33
    SMA 50$19.08
    SMA 200$20.03
    EMA 10$17.87
    EMA 20$18.24
    EMA 50$18.87
    EMA 200$19.73

    MACD

    Line: -0.46Signal: -0.40Hist: -0.06

    ADX

    ADX: 43.2+DI: 7.8-DI: 31.1

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down100.0
    PSAR$18.29

    Bollinger Bands

    Upper Band$19.47
    Lower Band$17.19
    %B Position1241%(Upper)
    Band Width0.07

    RSI (14-Day)

    Oversold
    21.5

    Momentum Oscillators

    Stoch %K1.4
    Stoch %D1.9
    Williams %R-100.0
    ROC (10d)-3.1%
    Momentum-0.56
    CCI (20d)-117.1
    MFI (14d)28.8

    Volatility Measures

    ATR (14d)$0.32(1.9%)
    StdDev (20d)0.57
    Hist Vol14.4%(Low)

    Volume Flow

    VWAP$17.52
    OBV578.5K
    AD Line-3581799252.8B
    CMF (20d)-0.587

    Volume Metrics

    Avg Vol (20d)22.4K
    Vol Ratio1.3x
    VWMA (20d)$18.16

    Pivot Points

    R3$18.16
    R2$18.05
    R1$17.86
    Pivot Point$17.74
    S1$17.56
    S2$17.44
    S3$17.25

    Advanced Oscillators

    TSI-49.73
    Ultimate Osc18.6
    KST-73.70

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$3.60B$3.48B$3.65B$3.69B$3.62B$3.52B$3.69B$3.78B$3.71B$3.70B$3.68B$3.70B
    Cost of Revenue$1.19B$1.17B$1.38B$1.46B$1.36B$1.39B$1.45B$1.46B$1.40B$1.33B$1.46B$1.31B
    Gross Profit$2.42B$2.31B$2.27B$2.24B$2.26B$2.14B$2.24B$2.32B$2.30B$2.37B$2.22B$2.39B
    Operating Expenses$1.53B$1.61B$1.46B$1.49B$1.50B$1.49B$1.51B$1.45B$1.32B$1.37B$1.51B$1.39B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$1.11B$1.58B$1.36B$922.00M$909.00M$914.00M$889.00M$878.00M$838.00M$830.00M$855.00M$814.00M
    Operating Income$891.00M$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$886.00M$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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    FCNCP Valuation and Fair Value

    EV/EBITDA
    8.3x
    P/FCF
    0.1x
    P/B
    0.0x
    See GNG's fair value

    FCNCP Profitability: Margins, ROIC and FCF

    Gross margin
    64.0%
    Operating margin
    39.0%
    Net margin
    25.2%
    ROIC
    4.4%
    ROE
    10.6%
    FCF margin
    16.5%
    FCF yield
    1186.9%

    FCNCP Competitors

    CompanyTicker
    Stellus Capital InvestmentSCM
    Consumer Portfolio Services IncCPSS
    Rhinebeck Bancorp IncRBKB
    Legato Merger Corp. IIILEGT
    Citizens Community Bancorp IncCZWI
    Arrowmark Financial CorpBANX
    BitFuFu Inc. Class A Ordinary SharesFUFU
    SWK Holdings CorpSWKH

    Sector: Financial Services

    FCNCP Bull Case vs Bear Case

    Bull case

    • FCNCP converts 16.5% of revenue into free cash flow.
    • FCNCP has a 25.2% net profit margin.
    • FCNCP beat EPS estimates in 100.0% of its last 8 reported quarters.

    FCNCP Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)

    FCNCP Dividend

    Forward yield
    7.7%
    Payout ratio
    0.7%
    3Y DPS growth
    0.0%
    Pay months
    Mar, Jun, Sep, Dec
    FCNCP dividend history

    Frequently Asked Questions About FCNCP

    What is FCNCP's current dividend yield?

    First Citizens BancShares, Inc. (FCNCP) has a forward dividend yield of 7.74%.

    Does FCNCP pay dividends?

    Yes, First Citizens BancShares, Inc. pays dividends with a forward dividend yield of 7.74%.

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