Financial Services
First Citizens BancShares, Inc.(FCNCA)
Live Price
Offline$2,071.62
-0.87% today
1Y Change
+10.43%
Window
Jun 25, 2025 โ Jun 23, 2026
- Market Cap
- $23.14B
- Revenue Growth
- -3.0%
- EPS Growth
- -12.5%
- Dividend Yield
- 0.4%
Coverage: 148 bars ยท Jun 25, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
First Citizens BancShares, Inc. (FCNCA) is a Financial Services stock with a market cap of $23.14B and listed on NASDAQ. The stock last traded around $2071.62 and up 10.4% across the available one-year price window (Jun 25, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of -3.0%, EPS growth of -12.5%, a dividend yield of 0.4%. What stands out right now is revenue -3.0%, EPS -12.5%, free cash flow +42.5% with operating margin 20.9% and ROIC 3.5%. The dividend is present but secondary, with a yield around 0.4%. Valuation is more restrained than many high-expectation growth names at P/E 10.5 and price/sales 1.6. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines FCNCA price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-3.0% vs +3.4% peer median
Operating Margin
Above sector median
+20.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -3.0% and EPS is at -12.5%, with operating margin around 20.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +3.3% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | -2.6% | +4.2% | โ |
2026 Jan 23, 2026 | +16.6% | -2.6% | +4.2% | โ |
2025 Oct 23, 2025 | +6.6% | +1.4% | +1.5% | +4.0% |
Benchmark Edge
FCNCA vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FCNCA
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FCNCA Max Drawdown
-24.07%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FCNCA and SPY.
Company Overview
First Citizens BancShares, Inc.
NASDAQ Global Select
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. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
- Leadership
- Frank Brown Holding Jr.
- IPO Date
- Oct 22, 1986
- Employees
- 17.2k
- Street Address
- 4300 Six Forks Road
- Mailing
- Raleigh, NC, 27609
- Region
- Raleigh, NC, US
- Reporting Currency
- USD
- Investor Line
- 919 716 7000
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.5
- EV/EBITDA
- 9.5
- Price/Sales
- 1.6
- Price/Book
- 1.1
Growth
- Revenue
- -3.0%
- EPS
- -12.5%
- Free Cash Flow
- +42.5%
Profitability
- Gross Margin
- 62.8%
- Operating Margin
- 20.9%
- Net Margin
- 15.6%
- ROE
- 10.2%
- ROIC
- 3.5%
Balance Sheet
- Debt/Equity
- 1.54
- Current Ratio
- 0.15
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.