This company listing is no longer activeThis company may still be operating, however this listing is no longer active. Find out why through their latest events.See Latest EventsFirst Citizens BancShares（1FCNC）株式概要は、ファースト・シチズンズ・バンク・アンド・トラスト・カンパニーの持株会社として、米国内外の個人、企業、専門家にリテールおよび商業銀行サービスを提供している。 詳細1FCNC ファンダメンタル分析スノーフレーク・スコア評価4/6将来の成長0/6過去の実績2/6財務の健全性6/6配当金0/6報酬当社が推定した公正価値より28.8%で取引されている リスク分析Italian市場と比較して、過去 3 か月間の株価の変動が非常に大きいすべてのリスクチェックを見る1FCNC Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€1.61k9.7% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture011b2016201920222025202620282031Revenue US$10.2bEarnings US$2.6bAdvancedSet Fair ValueView all narrativesFirst Citizens BancShares, Inc. 競合他社Banco BPMSymbol: BIT:BAMIMarket cap: €20.0bBPER BancaSymbol: BIT:BPEMarket cap: €23.9bBanca Monte dei Paschi di SienaSymbol: BIT:BMPSMarket cap: €26.5bMediobanca Banca di Credito FinanziarioSymbol: BIT:MBMarket cap: €16.9b価格と性能株価の高値、安値、推移の概要First Citizens BancShares過去の株価現在の株価US$1,610.0052週高値US$052週安値US$0ベータ0.711ヶ月の変化4.55%3ヶ月変化-7.47%1年変化n/a3年間の変化n/a5年間の変化n/aIPOからの変化3.21%最新ニュースお知らせ • Nov 14First Citizens Wealth Names Lee Erby as Region Head for Northern CaliforniaFirst Citizens Wealth has announced that Lee Erby has been appointed as region head for Northern California market. In his new role based in San Francisco, Erby will lead a team of wealth consultants and will report to Art Saldivar, senior director of Regional Wealth for California. The company says that Erby will be responsible for building a team serving the needs of high-net-worth individuals and families; the entrepreneurs, founders, investors behind the innovation economy; businesses and corporations; and nonprofits across Northern California. Erby, who has more than 20 years of wealth and private banking experience serving high net worth families and institutions, has previously held senior positions at Bank of America Private Bank, Merrill Lynch, and Citi Private Bank.お知らせ • Oct 29First Citizens BancShares, Inc. Announces Appointment of Erin Mccaskill as Director of First Citizens WealthFirst Citizens BancShares, Inc.'s First Citizens Wealth announced the appointment of Erin McCaskill as Director and Atlanta Market Leader. Based in Atlanta, she reports to Ethan Van Eck, Senior Director of Regional Wealth, and will lead a First Citizens team of wealth consultants. McCaskill is responsible for growing a high-caliber team serving the needs of high-net-worth individuals and families; businesses and corporations; entrepreneurs, founders, investors and nonprofits in the metro Atlanta area. Under her leadership, First Citizens Wealth will further enhance the delivery of the bank's full range of capabilities, including wealth planning, investment services, trust and fiduciary services, banking and lending. McCaskill has over 20 years of financial services experience serving high net worth individuals and families, having joined First Citizens Bank in 2009. She began her career in Columbia, SC, and has served in a variety of wealth management roles and most recently serving as a Wealth Consultant for the South Carolina market. Erin is a graduate of University of Virginia with a degree in financial economics and an MBA graduate of University of South Carolina. Erin holds a Certified Financial Planner designation and is a Certified Exit Planning Advisor.Reported Earnings • Oct 28Third quarter 2025 earnings released: EPS: US$43.12 (vs US$43.41 in 3Q 2024)Third quarter 2025 results: EPS: US$43.12 (down from US$43.41 in 3Q 2024). Revenue: US$2.24b (down 3.7% from 3Q 2024). Net income: US$554.0m (down 11% from 3Q 2024). Profit margin: 25% (down from 27% in 3Q 2024). Revenue is forecast to grow 2.7% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in Italy.お知らせ • Oct 24First Citizens BancShares, Inc. Revises Earnings Guidance for the Full Year 2025First Citizens BancShares, Inc. revised earnings guidance for the full year 2025. For the full year, the company is tightening its headline net interest income guidance to be in the range of $6.74 billion to $6.84 billion from $6.68 billion to $6.88 billion. The revision reflects the new forward interest rate curve as well as the jumping off point from the third quarter. In either case, as expected, we project that loan accretion will be down by over $200 million for the year compared to 2024.お知らせ • Oct 23+ 1 more updateFirst Citizens BancShares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Citizens BancShares, Inc. reported net charge-offs for the third quarter ended September 30, 2025. Net charge-offs were $234 million (0.65% of average loans) for the current quarter, compared to $119 million (0.33% of average loans) for the linked quarter.お知らせ • Oct 02First Citizens BancShares, Inc. to Report Q3, 2025 Results on Oct 23, 2025First Citizens BancShares, Inc. announced that they will report Q3, 2025 results Pre-Market on Oct 23, 2025最新情報をもっと見るRecent updatesお知らせ • Nov 14First Citizens Wealth Names Lee Erby as Region Head for Northern CaliforniaFirst Citizens Wealth has announced that Lee Erby has been appointed as region head for Northern California market. In his new role based in San Francisco, Erby will lead a team of wealth consultants and will report to Art Saldivar, senior director of Regional Wealth for California. The company says that Erby will be responsible for building a team serving the needs of high-net-worth individuals and families; the entrepreneurs, founders, investors behind the innovation economy; businesses and corporations; and nonprofits across Northern California. Erby, who has more than 20 years of wealth and private banking experience serving high net worth families and institutions, has previously held senior positions at Bank of America Private Bank, Merrill Lynch, and Citi Private Bank.お知らせ • Oct 29First Citizens BancShares, Inc. Announces Appointment of Erin Mccaskill as Director of First Citizens WealthFirst Citizens BancShares, Inc.'s First Citizens Wealth announced the appointment of Erin McCaskill as Director and Atlanta Market Leader. Based in Atlanta, she reports to Ethan Van Eck, Senior Director of Regional Wealth, and will lead a First Citizens team of wealth consultants. McCaskill is responsible for growing a high-caliber team serving the needs of high-net-worth individuals and families; businesses and corporations; entrepreneurs, founders, investors and nonprofits in the metro Atlanta area. Under her leadership, First Citizens Wealth will further enhance the delivery of the bank's full range of capabilities, including wealth planning, investment services, trust and fiduciary services, banking and lending. McCaskill has over 20 years of financial services experience serving high net worth individuals and families, having joined First Citizens Bank in 2009. She began her career in Columbia, SC, and has served in a variety of wealth management roles and most recently serving as a Wealth Consultant for the South Carolina market. Erin is a graduate of University of Virginia with a degree in financial economics and an MBA graduate of University of South Carolina. Erin holds a Certified Financial Planner designation and is a Certified Exit Planning Advisor.Reported Earnings • Oct 28Third quarter 2025 earnings released: EPS: US$43.12 (vs US$43.41 in 3Q 2024)Third quarter 2025 results: EPS: US$43.12 (down from US$43.41 in 3Q 2024). Revenue: US$2.24b (down 3.7% from 3Q 2024). Net income: US$554.0m (down 11% from 3Q 2024). Profit margin: 25% (down from 27% in 3Q 2024). Revenue is forecast to grow 2.7% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in Italy.お知らせ • Oct 24First Citizens BancShares, Inc. Revises Earnings Guidance for the Full Year 2025First Citizens BancShares, Inc. revised earnings guidance for the full year 2025. For the full year, the company is tightening its headline net interest income guidance to be in the range of $6.74 billion to $6.84 billion from $6.68 billion to $6.88 billion. The revision reflects the new forward interest rate curve as well as the jumping off point from the third quarter. In either case, as expected, we project that loan accretion will be down by over $200 million for the year compared to 2024.お知らせ • Oct 23+ 1 more updateFirst Citizens BancShares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Citizens BancShares, Inc. reported net charge-offs for the third quarter ended September 30, 2025. Net charge-offs were $234 million (0.65% of average loans) for the current quarter, compared to $119 million (0.33% of average loans) for the linked quarter.お知らせ • Oct 02First Citizens BancShares, Inc. to Report Q3, 2025 Results on Oct 23, 2025First Citizens BancShares, Inc. announced that they will report Q3, 2025 results Pre-Market on Oct 23, 2025お知らせ • Jul 25First Citizens BancShares, Inc. (NasdaqGS:FCNC.A) announces an Equity Buyback for $4,000 million worth of its shares.First Citizens BancShares, Inc. (NasdaqGS:FCNC.A) announces a share repurchase program. Under the program, the company will repurchase up to $4,000 million worth of its Class A Common Stock. The program will expire in 2026.お知らせ • Jul 02First Citizens BancShares, Inc. to Report Q2, 2025 Results on Jul 25, 2025First Citizens BancShares, Inc. announced that they will report Q2, 2025 results Pre-Market on Jul 25, 2025お知らせ • Jun 27First Citizens BancShares, Inc. and First-Citizens Bank & Trust Company Appoints Diane ("Di") Morais to the Board of Directors and Member of Joint Risk Committee and Joint Technology Committee, Effective July 1, 2025Diane ("Di") Morais has been appointed to the board of directors of First Citizens BancShares, Inc. and its subsidiary, First-Citizens Bank & Trust Company (First Citizens Bank), effective July 1, 2025. Morais built an accomplished career in financial services with more than 30 years in the sector. Most recently, Morais held key leadership positions of increasing responsibility at Ally Bank ("Ally"). She was instrumental in the creation and launch of the Ally brand in 2009, and she most recently served as President of Consumer and Commercial Banking from 2017 until she retired in 2024. As Consumer and Commercial Banking President, her responsibilities included driving the growth, profitability and digital evolution of Ally's consumer and commercial banking division. She also had oversight of the deposits, online brokerage and advisory offering, mortgage, point of sale lending, credit card and corporate-finance businesses. In addition, Morais oversaw the company's customer care channels and Community Reinvestment Act program. Prior to Ally, Morais spent 12 years at Bank of America, where she served in senior roles in deposit and debit products, national customer experience, card services marketing and consumer mortgage vendor management. Morais also spent nine years in Citibank's credit card division in a variety of marketing, risk and finance roles. A native of Pittsburgh, Penn., Morais holds a bachelor's degree from Pennsylvania State University. She is a member of the board of directors for YMCA of Greater Charlotte, Junior Achievement of Central Carolinas and Charlotte Center City Partners. Morais was named to American Banker Magazine's25 Most Powerful Women in Banking list for nine consecutive years through 2023. Additionally, she received the 2024 Lifetime Achievement Award from the Charlotte Business Journal, was recognized as the 2022 Charlotte Businesswoman of the Year by Queens University and was named one of the top 25 outstanding businesswomen in the Charlotte Business Journal's 2018 Women in Business Awards. An active member in the Charlotte community, Morais has served as an 'Executive in Residence' for Queens University and volunteers for Habitat for Humanity, Dress for Success and the Salvation Army. Morais will serve on the Joint Risk Committee and Joint Technology Committee of First Citizens BancShares, Inc. and First Citizens Bank.株主還元1FCNCIT BanksIT 市場7D1.9%-1.2%0.7%1Yn/a24.2%20.1%株主還元を見る業界別リターン: 1FCNCがItalian Banks業界に対してどのようなパフォーマンスを示したかを判断するにはデータが不十分です。リターン対市場: 1FCNC Italian市場に対してどのようなパフォーマンスを示したかを判断するにはデータが不十分です。価格変動Is 1FCNC's price volatile compared to industry and market?1FCNC volatility1FCNC Average Weekly Movement10.3%Banks Industry Average Movement5.0%Market Average Movement5.1%10% most volatile stocks in IT Market8.4%10% least volatile stocks in IT Market3.2%安定した株価: 1FCNCの株価は、 Italian市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 1FCNCの weekly volatility ( 10% ) は過去 1 年間安定していますが、依然としてItalianの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト189817,333Frank Holdingwww.firstcitizens.comはファースト・シチズンズ・バンク・アンド・トラスト・カンパニーの持株会社として、米国内外の個人、企業、専門家にリテールおよび商業銀行サービスを提供している。ゼネラル・バンク、コマーシャル・バンク、シリコンバレー・バンク（SVB）コマーシャル、レール部門を通じて事業を展開している。預金商品には当座預金、貯蓄預金、マネーマーケット、定期預金口座がある。ローン商品ポートフォリオには、商業用建設ローン、商業用・工業用ローン、中小企業向けローン、非所有者向け・所有者向け商業用住宅ローンなどがある。さらに、リボルビング・モーゲージ、消費者向け自動車ローン、住宅ローン、その他消費者向けローンも提供している。さらに、年金、ブローカー・サービス、第三者投資信託などの資産管理サービス、投資管理・アドバイザリー、信託、キャッシュ・マネジメント、リース、キャピタル・マーケット、資産担保融資、ファクタリング、債権管理・担保融資、引受・私募、保険、その他の金融・アドバイザリー・サービスも提供している。また、鉄道会社や荷主向けに、鉄道車両や機関車のカスタマイズリースやファイナンス・ソリューションを提供している。オンライン・バンキング、モバイル・バンキング、支店を通じ て商品・サービスを提供している。は1898 年に設立され、ノースカロライナ州ローリーに本社を置く。もっと見るFirst Citizens BancShares, Inc. 基礎のまとめFirst Citizens BancShares の収益と売上を時価総額と比較するとどうか。1FCNC 基礎統計学時価総額€19.96b収益（TTM）€1.96b売上高(TTM)€7.70b10.3xPER（株価収益率1.1xPBR（株価純資産倍率1FCNC は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計1FCNC 損益計算書（TTM）収益US$8.90b売上原価US$0売上総利益US$8.90bその他の費用US$6.63b収益US$2.27b直近の収益報告Sep 30, 2025次回決算日該当なし一株当たり利益（EPS）182.38グロス・マージン100.00%純利益率25.49%有利子負債／自己資本比率184.0%1FCNC の長期的なパフォーマンスは？過去の実績と比較を見る配当金0.4%現在の配当利回り5%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2025/11/26 23:25終値2025/11/21 00:00収益2025/09/30年間収益2024/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋First Citizens BancShares, Inc. 9 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。18 アナリスト機関Jason GoldbergBarclaysJason GoldbergBarclaysChristopher MarinacBrean Capital Historical (Janney Montgomery)15 その他のアナリストを表示
お知らせ • Nov 14First Citizens Wealth Names Lee Erby as Region Head for Northern CaliforniaFirst Citizens Wealth has announced that Lee Erby has been appointed as region head for Northern California market. In his new role based in San Francisco, Erby will lead a team of wealth consultants and will report to Art Saldivar, senior director of Regional Wealth for California. The company says that Erby will be responsible for building a team serving the needs of high-net-worth individuals and families; the entrepreneurs, founders, investors behind the innovation economy; businesses and corporations; and nonprofits across Northern California. Erby, who has more than 20 years of wealth and private banking experience serving high net worth families and institutions, has previously held senior positions at Bank of America Private Bank, Merrill Lynch, and Citi Private Bank.
お知らせ • Oct 29First Citizens BancShares, Inc. Announces Appointment of Erin Mccaskill as Director of First Citizens WealthFirst Citizens BancShares, Inc.'s First Citizens Wealth announced the appointment of Erin McCaskill as Director and Atlanta Market Leader. Based in Atlanta, she reports to Ethan Van Eck, Senior Director of Regional Wealth, and will lead a First Citizens team of wealth consultants. McCaskill is responsible for growing a high-caliber team serving the needs of high-net-worth individuals and families; businesses and corporations; entrepreneurs, founders, investors and nonprofits in the metro Atlanta area. Under her leadership, First Citizens Wealth will further enhance the delivery of the bank's full range of capabilities, including wealth planning, investment services, trust and fiduciary services, banking and lending. McCaskill has over 20 years of financial services experience serving high net worth individuals and families, having joined First Citizens Bank in 2009. She began her career in Columbia, SC, and has served in a variety of wealth management roles and most recently serving as a Wealth Consultant for the South Carolina market. Erin is a graduate of University of Virginia with a degree in financial economics and an MBA graduate of University of South Carolina. Erin holds a Certified Financial Planner designation and is a Certified Exit Planning Advisor.
Reported Earnings • Oct 28Third quarter 2025 earnings released: EPS: US$43.12 (vs US$43.41 in 3Q 2024)Third quarter 2025 results: EPS: US$43.12 (down from US$43.41 in 3Q 2024). Revenue: US$2.24b (down 3.7% from 3Q 2024). Net income: US$554.0m (down 11% from 3Q 2024). Profit margin: 25% (down from 27% in 3Q 2024). Revenue is forecast to grow 2.7% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in Italy.
お知らせ • Oct 24First Citizens BancShares, Inc. Revises Earnings Guidance for the Full Year 2025First Citizens BancShares, Inc. revised earnings guidance for the full year 2025. For the full year, the company is tightening its headline net interest income guidance to be in the range of $6.74 billion to $6.84 billion from $6.68 billion to $6.88 billion. The revision reflects the new forward interest rate curve as well as the jumping off point from the third quarter. In either case, as expected, we project that loan accretion will be down by over $200 million for the year compared to 2024.
お知らせ • Oct 23+ 1 more updateFirst Citizens BancShares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Citizens BancShares, Inc. reported net charge-offs for the third quarter ended September 30, 2025. Net charge-offs were $234 million (0.65% of average loans) for the current quarter, compared to $119 million (0.33% of average loans) for the linked quarter.
お知らせ • Oct 02First Citizens BancShares, Inc. to Report Q3, 2025 Results on Oct 23, 2025First Citizens BancShares, Inc. announced that they will report Q3, 2025 results Pre-Market on Oct 23, 2025
お知らせ • Nov 14First Citizens Wealth Names Lee Erby as Region Head for Northern CaliforniaFirst Citizens Wealth has announced that Lee Erby has been appointed as region head for Northern California market. In his new role based in San Francisco, Erby will lead a team of wealth consultants and will report to Art Saldivar, senior director of Regional Wealth for California. The company says that Erby will be responsible for building a team serving the needs of high-net-worth individuals and families; the entrepreneurs, founders, investors behind the innovation economy; businesses and corporations; and nonprofits across Northern California. Erby, who has more than 20 years of wealth and private banking experience serving high net worth families and institutions, has previously held senior positions at Bank of America Private Bank, Merrill Lynch, and Citi Private Bank.
お知らせ • Oct 29First Citizens BancShares, Inc. Announces Appointment of Erin Mccaskill as Director of First Citizens WealthFirst Citizens BancShares, Inc.'s First Citizens Wealth announced the appointment of Erin McCaskill as Director and Atlanta Market Leader. Based in Atlanta, she reports to Ethan Van Eck, Senior Director of Regional Wealth, and will lead a First Citizens team of wealth consultants. McCaskill is responsible for growing a high-caliber team serving the needs of high-net-worth individuals and families; businesses and corporations; entrepreneurs, founders, investors and nonprofits in the metro Atlanta area. Under her leadership, First Citizens Wealth will further enhance the delivery of the bank's full range of capabilities, including wealth planning, investment services, trust and fiduciary services, banking and lending. McCaskill has over 20 years of financial services experience serving high net worth individuals and families, having joined First Citizens Bank in 2009. She began her career in Columbia, SC, and has served in a variety of wealth management roles and most recently serving as a Wealth Consultant for the South Carolina market. Erin is a graduate of University of Virginia with a degree in financial economics and an MBA graduate of University of South Carolina. Erin holds a Certified Financial Planner designation and is a Certified Exit Planning Advisor.
Reported Earnings • Oct 28Third quarter 2025 earnings released: EPS: US$43.12 (vs US$43.41 in 3Q 2024)Third quarter 2025 results: EPS: US$43.12 (down from US$43.41 in 3Q 2024). Revenue: US$2.24b (down 3.7% from 3Q 2024). Net income: US$554.0m (down 11% from 3Q 2024). Profit margin: 25% (down from 27% in 3Q 2024). Revenue is forecast to grow 2.7% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in Italy.
お知らせ • Oct 24First Citizens BancShares, Inc. Revises Earnings Guidance for the Full Year 2025First Citizens BancShares, Inc. revised earnings guidance for the full year 2025. For the full year, the company is tightening its headline net interest income guidance to be in the range of $6.74 billion to $6.84 billion from $6.68 billion to $6.88 billion. The revision reflects the new forward interest rate curve as well as the jumping off point from the third quarter. In either case, as expected, we project that loan accretion will be down by over $200 million for the year compared to 2024.
お知らせ • Oct 23+ 1 more updateFirst Citizens BancShares, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Citizens BancShares, Inc. reported net charge-offs for the third quarter ended September 30, 2025. Net charge-offs were $234 million (0.65% of average loans) for the current quarter, compared to $119 million (0.33% of average loans) for the linked quarter.
お知らせ • Oct 02First Citizens BancShares, Inc. to Report Q3, 2025 Results on Oct 23, 2025First Citizens BancShares, Inc. announced that they will report Q3, 2025 results Pre-Market on Oct 23, 2025
お知らせ • Jul 25First Citizens BancShares, Inc. (NasdaqGS:FCNC.A) announces an Equity Buyback for $4,000 million worth of its shares.First Citizens BancShares, Inc. (NasdaqGS:FCNC.A) announces a share repurchase program. Under the program, the company will repurchase up to $4,000 million worth of its Class A Common Stock. The program will expire in 2026.
お知らせ • Jul 02First Citizens BancShares, Inc. to Report Q2, 2025 Results on Jul 25, 2025First Citizens BancShares, Inc. announced that they will report Q2, 2025 results Pre-Market on Jul 25, 2025
お知らせ • Jun 27First Citizens BancShares, Inc. and First-Citizens Bank & Trust Company Appoints Diane ("Di") Morais to the Board of Directors and Member of Joint Risk Committee and Joint Technology Committee, Effective July 1, 2025Diane ("Di") Morais has been appointed to the board of directors of First Citizens BancShares, Inc. and its subsidiary, First-Citizens Bank & Trust Company (First Citizens Bank), effective July 1, 2025. Morais built an accomplished career in financial services with more than 30 years in the sector. Most recently, Morais held key leadership positions of increasing responsibility at Ally Bank ("Ally"). She was instrumental in the creation and launch of the Ally brand in 2009, and she most recently served as President of Consumer and Commercial Banking from 2017 until she retired in 2024. As Consumer and Commercial Banking President, her responsibilities included driving the growth, profitability and digital evolution of Ally's consumer and commercial banking division. She also had oversight of the deposits, online brokerage and advisory offering, mortgage, point of sale lending, credit card and corporate-finance businesses. In addition, Morais oversaw the company's customer care channels and Community Reinvestment Act program. Prior to Ally, Morais spent 12 years at Bank of America, where she served in senior roles in deposit and debit products, national customer experience, card services marketing and consumer mortgage vendor management. Morais also spent nine years in Citibank's credit card division in a variety of marketing, risk and finance roles. A native of Pittsburgh, Penn., Morais holds a bachelor's degree from Pennsylvania State University. She is a member of the board of directors for YMCA of Greater Charlotte, Junior Achievement of Central Carolinas and Charlotte Center City Partners. Morais was named to American Banker Magazine's25 Most Powerful Women in Banking list for nine consecutive years through 2023. Additionally, she received the 2024 Lifetime Achievement Award from the Charlotte Business Journal, was recognized as the 2022 Charlotte Businesswoman of the Year by Queens University and was named one of the top 25 outstanding businesswomen in the Charlotte Business Journal's 2018 Women in Business Awards. An active member in the Charlotte community, Morais has served as an 'Executive in Residence' for Queens University and volunteers for Habitat for Humanity, Dress for Success and the Salvation Army. Morais will serve on the Joint Risk Committee and Joint Technology Committee of First Citizens BancShares, Inc. and First Citizens Bank.
