1FCNC Stock Overview

Operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. More details

1FCNC fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 38.2% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 4.1% per year for the next 3 years

Community vs My Fair Value

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First Citizens BancShares, Inc. Competitors

Banco BPM

BIT:BAMI

€15.1b

Mediobanca Banca di Credito Finanziario

BIT:MB

€16.6b

BPER Banca

BIT:BPE

€11.1b

FinecoBank Banca Fineco

BIT:FBK

€11.1b

Price History & Performance

Summary of share price highs, lows and changes for First Citizens BancShares
Historical stock prices
Current Share Price	US$1,630.00
52 Week High	US$0
52 Week Low	US$0
Beta	0.64
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	4.49%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	1FCNC	IT Banks	IT Market
7D	-0.6%	2.3%	2.0%
1Y	n/a	42.6%	12.5%

Return vs Industry: Insufficient data to determine how 1FCNC performed against the Italian Banks industry.

Return vs Market: Insufficient data to determine how 1FCNC performed against the Italian Market.

Price Volatility

Is 1FCNC's price volatile compared to industry and market?
1FCNC volatility
1FCNC Average Weekly Movement	n/a
Banks Industry Average Movement	6.0%
Market Average Movement	5.4%
10% most volatile stocks in IT Market	8.8%
10% least volatile stocks in IT Market	3.3%

Stable Share Price: 1FCNC's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1FCNC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1898	17,333	Frank Holding	www.firstcitizens.com

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 in the United States and internationally. It operates through General Bank, Commercial Bank, Silicon Valley Bank (SVB) Commercial, and Rail segments. The company’s deposit products include checking, savings, money market, and time deposit accounts.

First Citizens BancShares, Inc. Fundamentals Summary

How do First Citizens BancShares's earnings and revenue compare to its market cap?
1FCNC fundamental statistics
Market cap	€21.53b
Earnings (TTM)	€2.19b
Revenue (TTM)	€8.08b

9.9x

P/E Ratio

1.1x

P/B Ratio

Is 1FCNC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1FCNC income statement (TTM)
Revenue	US$9.09b
Cost of Revenue	US$0
Gross Profit	US$9.09b
Other Expenses	US$6.62b
Earnings	US$2.47b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	185.72
Gross Margin	100.00%
Net Profit Margin	27.15%
Debt/Equity Ratio	179.7%

How did 1FCNC perform over the long term?

See historical performance and comparison

Dividends

0.4%

Current Dividend Yield

4%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/12 13:32
End of Day Share Price	2025/05/09 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Citizens BancShares, Inc. is covered by 21 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Jason Goldberg	Barclays
Jason Goldberg	Barclays
Alexander Yokum	CFRA Equity Research