FCNCP — Stock Film
STOCK FILMSCENE 1/11FCNCP · $20.33
Stock Expert AI presents
FCNCP
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 2020, it operates in the world of money and finance. It has 17,191 employees. Now — the numbers.

on the stock market since 2020
17K employees
$24B 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?
25%Deposit Fees and Service Charges
Deposit Fees and Service Charges 25%Asset Management 23%Credit and Debit Card 18%Factoring Commissions 8%Insurance Commissions 6%Other 19%
25% 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
What executives did with their own stock over the last 12 months:
96 buy17 sell

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

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
70
strong

Clearly above the class average — a step short of the very top.

FINANCIAL STRENGTH
77
strong

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
75
strong

Clearly above the class average — a step short of the very top.

GROWTH
86
very strong

Sales are growing strongly for its sector.

PRICE MOMENTUM
23
very weak

Clearly below the class average.

WORTH WATCHING

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 27% below its peak. The market has trimmed its expectations for the company.

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
Executives are buying their own stock

Over the last 12 months, company executives reported 96 buys and 17 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/1
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 23/100. For a turnaround signal, the stock first needs to close the gap with the market.

FINALE · THE GRADE
B
0 / 100 · MoonshotScore

On our five-subject report card, FCNCP sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: FCNCP is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

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