First Citizens Bancshares (FIZN) Stock Overview

Through its subsidiary, First Citizens National Bank, provides various commercial banking services to individuals and corporate customers in the United States. More details

FIZN fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 22.9% below our estimate of its fair value

Earnings grew by 37.3% over the past year

Risk Analysis

Shares are highly illiquid

Earnings have declined by 6.1% per year over past 5 years

Unstable dividend track record

FIZN Community Fair Values

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First Citizens Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for First Citizens Bancshares
Historical stock prices
Current Share Price	US$76.00
52 Week High	US$76.00
52 Week Low	US$54.05
Beta	0.083
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	35.11%
3 Year Change	28.27%
5 Year Change	46.72%
Change since IPO	133.85%

Recent updates

Shareholder Returns

	FIZN	US Banks	US Market
7D	0%	-1.5%	-0.4%
1Y	35.1%	10.2%	14.1%

Return vs Industry: FIZN exceeded the US Banks industry which returned 10.3% over the past year.

Return vs Market: FIZN exceeded the US Market which returned 14% over the past year.

Price Volatility

Is FIZN's price volatile compared to industry and market?
FIZN volatility
FIZN Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	2.9%

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

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

About the Company

Founded	Employees	CEO	Website
1889	n/a	Jeff Agee	www.firstcnb.com

First Citizens Bancshares, Inc., through its subsidiary, First Citizens National Bank, provides various commercial banking services to individuals and corporate customers in the United States. The company offers checking and savings deposits and residential, commercial and consumer lending, as well as certificates of deposit. It also provides personal and home loans, and home equity line of credit.

First Citizens Bancshares, Inc. Fundamentals Summary

How do First Citizens Bancshares's earnings and revenue compare to its market cap?
FIZN fundamental statistics
Market cap	US$290.78m
Earnings (TTM)	US$21.41m
Revenue (TTM)	US$77.67m

13.6x

P/E Ratio

1.5x

P/B Ratio

Is FIZN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FIZN income statement (TTM)
Revenue	US$77.67m
Cost of Revenue	US$0
Gross Profit	US$77.67m
Other Expenses	US$56.26m
Earnings	US$21.41m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	5.60
Gross Margin	100.00%
Net Profit Margin	27.57%
Debt/Equity Ratio	71.5%

How did FIZN perform over the long term?

See historical performance and comparison

Dividends

1.8%

Current Dividend Yield

25%

Payout Ratio

Does FIZN pay a reliable dividends?

See FIZN dividend history and benchmarks

When do you need to buy FIZN by to receive an upcoming dividend?
First Citizens Bancshares dividend dates
Ex Dividend Date	Dec 01 2025
Dividend Pay Date	Dec 15 2025
Days until Ex dividend	15 days
Days until Dividend pay date	29 days

Does FIZN pay a reliable dividends?

See FIZN dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/15 04:18
End of Day Share Price	2025/10/31 00:00
Earnings	2025/06/30
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 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

First Citizens Bancshares, Inc.OTCPK:FIZN Stock Report