First Citizens BancShares (FCNC.A) 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
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
FCNC.A Community Fair Values
Create NarrativeSee what 15 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
First Citizens BancShares, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$2,068.75 |
| 52 Week High | US$2,232.21 |
| 52 Week Low | US$1,623.76 |
| Beta | 0.62 |
| 1 Month Change | 7.28% |
| 3 Month Change | 15.68% |
| 1 Year Change | 13.86% |
| 3 Year Change | 61.24% |
| 5 Year Change | 143.94% |
| Change since IPO | 6,573.39% |
Recent News & Updates
Narrative Update • Jun 06
FCNC.A: Buybacks And Execution Risks Will Shape Future Risk And Return Profile
Analysts have trimmed their average price target on First Citizens BancShares by roughly $375, reflecting recent target cuts and downgrades as they reassess the stock's risk and return profile. Analyst Commentary Recent Street research has tilted more cautious on First Citizens BancShares, with several firms cutting price targets and issuing downgrades as they reassess valuation and execution risk.Narrative Update • May 22
FCNC.A: Buybacks And Franchise Resilience Will Drive Future Upside Potential
Analysts have trimmed the fair value estimate for First Citizens BancShares by about $17 to roughly $2,213, reflecting recent reductions in price targets and more cautious assumptions on growth and required return. Analyst Commentary Recent Street research has shifted more cautious on First Citizens BancShares, with several firms trimming price targets and issuing downgrades.Recent updates
Narrative Update • Jun 06
FCNC.A: Buybacks And Execution Risks Will Shape Future Risk And Return Profile
Analysts have trimmed their average price target on First Citizens BancShares by roughly $375, reflecting recent target cuts and downgrades as they reassess the stock's risk and return profile. Analyst Commentary Recent Street research has tilted more cautious on First Citizens BancShares, with several firms cutting price targets and issuing downgrades as they reassess valuation and execution risk.Narrative Update • May 22
FCNC.A: Buybacks And Franchise Resilience Will Drive Future Upside Potential
Analysts have trimmed the fair value estimate for First Citizens BancShares by about $17 to roughly $2,213, reflecting recent reductions in price targets and more cautious assumptions on growth and required return. Analyst Commentary Recent Street research has shifted more cautious on First Citizens BancShares, with several firms trimming price targets and issuing downgrades.Analysis Article • Apr 26
First Citizens BancShares, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year
Last week, you might have seen that First Citizens BancShares, Inc. ( NASDAQ:FCNC.A ) released its first-quarter result...Narrative Update • Apr 25
FCNC.A: Acquisition Pursuit Above $250b Assets Will Drive Future Upside
First Citizens BancShares' updated analyst price target reflects a modest adjustment to fair value to $2,229.58, as analysts factor in revised expectations for revenue growth, profit margins, and a slightly lower discount rate following a series of recent target cuts and downgrades across major firms. Analyst Commentary Recent Street research on First Citizens BancShares has centered on a series of price target revisions and rating changes, with both upbeat and cautious views feeding into the updated fair value estimate of US$2,229.58.Narrative Update • Apr 10
FCNC.A: 2026 Guidance Delivery And Acquisition Review Will Drive Future Upside
Analysts have reduced the updated price target for First Citizens BancShares by about $53 to $2,226.67. This revision reflects a series of recent target cuts and downgrades, even as their models assume slightly higher revenue growth and a lower future P/E multiple.Narrative Update • Mar 26
FCNC.A: 2026 Execution On Guidance And Acquisitions Will Drive Upside Potential
Analysts made a small upward adjustment to the First Citizens BancShares price target to $2,279.36, reflecting mixed but generally supportive recent research in which some firms raised targets by up to $100 and others trimmed them by $100 to $175 as they reassessed discount rates, profit margins, and future P/E assumptions. Analyst Commentary Recent research on First Citizens BancShares has been mixed, with some firms lifting price targets and others trimming them, often tied to updates on 2026 guidance, discount rate assumptions, and expectations for margins and returns.Narrative Update • Feb 10
FCNC.A: 2026 Guidance And P/E Repricing Will Shape Balanced Risk Reward
Analysts have trimmed their blended price target for First Citizens BancShares by about $8 per share, reflecting updated 2026 guidance, mixed target moves across firms, slightly lower revenue growth assumptions, and a higher future P/E multiple accompanied by a modestly stronger profit margin outlook. Analyst Commentary Recent Street research on First Citizens BancShares shows both optimism and caution around the updated 2026 outlook, with price targets moving in different directions as analysts recalibrate expectations for growth, profitability, and valuation.Narrative Update • Jan 27
FCNC.A: 2026 Roadmap Execution And Net Interest Income Trends Will Drive Upside
Analysts trimmed their price target on First Citizens BancShares by about $66, reflecting slightly higher discount rate assumptions and a lower future P/E multiple, even as they incorporate modestly stronger revenue growth and profit margin expectations supported by recent research updates across the Street. Analyst Commentary Street research on First Citizens BancShares is mixed, with some firms lifting targets while others pull back, often on the same set of fundamental drivers.Narrative Update • Jan 12
FCNC.A: Net Interest Income And Credit Trends Will Guide Balanced Return Expectations
Narrative Update Analysts have nudged their implied fair value estimate for First Citizens BancShares higher to about $2,350 from roughly $2,180, reflecting updated assumptions around discount rates, long term revenue and margins, following a mix of recent target hikes and trims across the Street. Analyst Commentary Recent research shows a split view on First Citizens BancShares, with some firms lifting targets and others trimming them, as they balance valuation, earnings power, and execution on growth initiatives.Narrative Update • Dec 15
FCNC.A: Net Interest Income And Credit Trends Will Shape Future Return Range
Analysts have modestly reduced their average price target on First Citizens BancShares to about $2,000 from roughly $2,150, citing resilient but range bound return expectations, a tempered net interest income outlook amid anticipated rate cuts, and incremental credit risk from specific borrower exposure, even as revenue growth and profitability assumptions edge higher. Analyst Commentary Sell side views on First Citizens BancShares reflect a mix of confidence in underlying fundamentals and caution around forward earnings power, leading to tighter, but still elevated, valuation expectations.Narrative Update • Dec 01
FCNC.A: Net Interest Income Guidance Will Shape Market Outlook Moving Forward
The consensus analyst price target for First Citizens BancShares has been revised downward by approximately $100 to $2,050. This reflects cautious sentiment as analysts weighed resilient results against moderating growth outlooks and anticipated headwinds from lower net interest margins.Narrative Update • Nov 17
FCNC.A: Forward Guidance And Credit Trends Will Drive Post-Earnings Confidence
First Citizens BancShares' analyst price target was revised slightly higher to $2,158.85 from $2,155, as analysts cite resilient Q3 performance and updated guidance that offset near-term earnings headwinds. Analyst Commentary Analysts have recently adjusted their perspectives on First Citizens BancShares, balancing both positive and cautious views following the company’s latest earnings and guidance updates.Narrative Update • Nov 01
FCNC.A: Net Interest Income Guidance Will Drive Returns Amid Rate Cut Uncertainty
Analysts have reduced their price targets for First Citizens BancShares by approximately $150 to $2,155. They cite factors such as resilient but range-bound earnings trends, expected pressure on net interest income from anticipated rate cuts, and specific credit exposures.Narrative Update • Oct 17
Tech, Media And Telecom Banking Will Strengthen Operational Resilience
First Citizens BancShares' analyst price target has been reduced from $2,275 to $2,186.54, as analysts cite incremental headwinds related to a recent large bankruptcy exposure and expectations for moderating profit margins. Analyst Commentary Recent analyst updates regarding First Citizens BancShares present a mixed outlook, highlighting both the company’s competitive strengths and several areas of concern that may affect its future valuation and growth prospects.Narrative Update • Oct 03
Tech, Media And Telecom Banking Will Strengthen Operational Resilience
First Citizens BancShares' analyst price target has recently edged down from approximately $2,310 to $2,275, as analysts point to modestly slower revenue growth but stable profitability in their updated outlooks. Analyst Commentary Bullish Takeaways Bullish analysts maintain positive ratings and note that First Citizens' strong capital position and projected loan and deposit growth provide a foundation for further expansion.Narrative Update • Sep 05
Tech, Media And Telecom Banking Will Strengthen Operational Resilience
The consensus price target for First Citizens BancShares was modestly revised upward to $2,311, with bullish analysts citing strong capital deployment capacity and expectations of a favorable interest rate and lending environment as key drivers. Analyst Commentary Bullish analysts cited excess capital deployment capacity as a key driver for upward price target revisions.Shareholder Returns
| FCNC.A | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.3% | 3.1% | 2.2% |
| 1Y | 13.9% | 25.8% | 24.8% |
Return vs Industry: FCNC.A underperformed the US Banks industry which returned 27.1% over the past year.
Return vs Market: FCNC.A underperformed the US Market which returned 23.5% over the past year.
Price Volatility
| FCNC.A volatility | |
|---|---|
| FCNC.A Average Weekly Movement | 3.3% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: FCNC.A has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: FCNC.A's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1898 | 18,009 | 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 the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services.
First Citizens BancShares, Inc. Fundamentals Summary
| FCNC.A fundamental statistics | |
|---|---|
| Market cap | US$24.22b |
| Earnings (TTM) | US$2.19b |
| Revenue (TTM) | US$9.14b |
11.0x
P/E Ratio1.2x
P/B RatioIs FCNC.A overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| FCNC.A income statement (TTM) | |
|---|---|
| Revenue | US$9.14b |
| Cost of Revenue | US$0 |
| Gross Profit | US$9.14b |
| Other Expenses | US$6.95b |
| Earnings | US$2.19b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 188.92 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.95% |
| Debt/Equity Ratio | 161.6% |
How did FCNC.A perform over the long term?
See historical performance and comparisonDividends
0.4%
Current Dividend Yield5%
Payout RatioDoes FCNC.A pay a reliable dividends?
See FCNC.A dividend history and benchmarks| First Citizens BancShares dividend dates | |
|---|---|
| Ex Dividend Date | May 29 2026 |
| Dividend Pay Date | Jun 15 2026 |
| Days until Ex dividend | 19 days |
| Days until Dividend pay date | 2 days |
Does FCNC.A pay a reliable dividends?
See FCNC.A dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 11:24 |
| End of Day Share Price | 2026/06/15 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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 15 analysts. 7 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 |
| Christopher Marinac | Brean Capital Historical (Janney Montgomery) |
| Benjamin Gerlinger | Citigroup Inc |