FCNCB — Stock Film
STOCK FILMSCENE 1/11FCNCB · $1,770
Stock Expert AI presents
FCNCB
First Citizens BancShares, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
First Citizens BancShares, Inc. A quick introduction.

On the stock market since 1997, it operates in the world of money and finance. It has 18,141 employees. Now — the numbers.

on the stock market since 1997
18K employees
$25B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $15 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 15%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
26%Deposit Fees and Service Charges
Deposit Fees and Service Charges 26%Asset Management 24%Credit and Debit Card 17%Factoring Commissions 8%Insurance Commissions 6%Other 20%
26% of all revenue comes from a single line: Deposit Fees and Service Charges.

Revenue is spread across several business lines; no single line carries the company.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 66% a year over the last 4 years. Every year shown ended in profit.

$1.9B
2021
$5.1B
2022
$13B
2023
$15B
2024
$14B
2025
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
7 / 8
EXPECTATIONS MET OR BEATEN
7
Oct 2024
Jan 2025
Apr 2025
Jul 2025
Oct 2025
Jan 2026
Apr 2026
Jul 2026
7 TIMES IN THE LAST 8 QUARTERS
It clears the bar, quarter after quarter.
What executives did with their own stock over the last 12 months:
98 buy17 sell

Executives buying with their own money is usually read as confidence in the company’s future.

THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 10% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 15% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 42% a year on average.

3
THE BRIGHT SIDE · 3/3
Delivers on expectations

It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.

THE RISKS

Nothing in the current numbers stands out as a clear risk. Still, no stock is ever risk-free.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

On our five-subject report card, FCNCB sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: FCNCB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film