First Citizens BancShares, Inc. (FCNCA) Stock: Price, Forecast & Analyst Target
First Citizens BancShares, Inc. (FCNCA) — MoonshotScore 78/100 (Strong band), calculated Oct 5, 2026. Price $2073.46 (-0.00%), as of the Oct 2, 2026 trading session; market cap $23.6B. Expected results Oct 23, 2026.
Educational signal · not a buy or sell recommendation · How to read this
First Citizens BancShares, Inc. · FCNCA · NASDAQ · Financial Services · Banks - Regional
Research dated 2026-09-12: Raleigh-based FCNCA is the parent of a deposit-funded bank serving consumers, businesses and professionals through lending, treasury, payments and wealth services. Funding pressure now sets the test: can stronger revenue translate into durable operating profit while franchise investment continues and specialty lending cools?
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · First Citizens BancShares (FCNCA)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
A strong balance sheet and durable growth, at a cheap price, though quality is only decent. Business Quality: Solid; Financial Safety: Sound; Valuation: Fair; Growth Durability: Compounding; Momentum: Rising.
- quarterly revenue $3.60B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 6 of 8
- Altman Z 0.30 · Piotroski F 8
Helping: balance-sheet strength, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 76 | Strong | |
| 80 | Exceptional | |
| 80 | Exceptional | |
| 71 | Strong | |
| 71 | Strong | |
| 78 | Strong |
The score moved from 77 in the stored Oct 4, 2026 snapshot to 78 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Growth Durability +6 and Momentum +1.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $2073.46 | |
| Change on the day | -0.00% | |
| 52-week range | $1623.76 – $2296.30 | |
| Market capitalisation | $23.6B | |
| Price / earnings (trailing) | 11.09 | |
| Shares traded on the day | 59.0K | |
| Beta (volatility vs the S&P 500) | 0.58 | |
| Dividends per share (last 12 months) | $8.40 | |
| Dividend yield (last 12 months) | 0.41% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
We expect that our adjusted efficiency ratio will be in the low 60% range in 2026 as strong revenue performance is partially offset by funding pressures and continued investments in our franchise.
Craig Nix · Statement from
We anticipate repurchases of approximately $600 million in the third quarter and $300 million in the fourth quarter as the capital distribution strategy pivots from deploying excess capital towards sustainable capital maintenance.
Craig Nix · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for First Citizens BancShares (FCNCA): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 19, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the FCNCA film — every key number, told as a short cinematic story
~2 min · open the film
What is First Citizens BancShares (FCNCA), and what does it report?
Short answer · as of
Deposits supply funding for commercial, mortgage, consumer and lease financing, while treasury management, cards, merchant services and wealth products add fee income.
Research dated 2026-09-12.
Deposits supply funding for commercial, mortgage, consumer and lease financing, while treasury management, cards, merchant services and wealth products add fee income. The business is broader than a conventional regional branch lender because Global Fund Banking adds exposure to fund clients and their borrowing activity.
Consolidated revenue and profit therefore combine lending economics with service charges, card income, asset management, international fees and factoring commissions. Changes in funding costs, credit demand, customer activity and operating expense can move the reported result through different channels.
What do the latest results show for First Citizens BancShares (FCNCA)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $3.60B.
Research dated 2026-09-12.
Revenue rebounded from the prior period, gross profit advanced, and operating profit reached the strongest point in the recent run. Net income and diluted earnings also rose sharply, while operating cash flow recovered from a weak preceding reading.
The latest reported revenue and earnings cleared expectations, extending a pattern of revenue arriving above consensus. Management attributes the outlook to strong revenue performance partly absorbed by funding pressure and continued franchise investment, while warning that Global Fund Banking balance growth should moderate after unusually strong production and utilization.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $3.60B Jun 30, 2026
- Latest quarter · net income
- $672.00M Jun 30, 2026
- Latest quarter · EPS
- $55.4800 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $3.60B | $672.00M | $55.4800 (diluted) |
| Mar 31, 2026 | $3.48B | $534.00M | $42.6300 (diluted) |
| Dec 31, 2025 | $3.65B | $580.00M | $45.8100 (diluted) |
| Sep 30, 2025 | $3.69B | $568.00M | $43.1200 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $2.24B Jul 23, 2026
- Latest report · revenue estimate
- $2.19B Jul 23, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 23, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 23, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 23, 2026 | $2.24B | $2.19B | $0.5709 | $0.4069 |
| Apr 23, 2026 | $2.24B | $2.17B | $44.8600 | $39.5600 |
| Jan 23, 2026 | $2.38B | $2.21B | $0.5127 | $0.4399 |
| Oct 23, 2025 | $2.43B | $2.22B | $44.6200 | $41.8700 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $3.60B | $672M | $55.48 (diluted) |
| Q1 FY2026 | $3.48B | $534M | $42.63 (diluted) |
| Q4 FY2025 | $3.65B | $580M | $45.81 (diluted) |
| Q3 FY2025 | $3.69B | $568M | $43.12 (diluted) |
What are the financial strengths and risks for First Citizens BancShares (FCNCA)?
Short answer · as of
The MoonshotScore pillars rate balance-sheet strength, an attractive price, durable growth as strengths.
Research dated 2026-09-12.
FCNCA remains profitable and has generated positive operating cash flow throughout the recent periods, although that cash generation has varied sharply. The latest improvement strengthens internal capital generation, and the dividend has remained steady across recent payments.
The balance sheet requires a bank-specific reading. Reported cash and investments are dominated by long-term holdings with an unclassified designation, while cash and short-term investments fell abruptly and sit well below debt; the combined investment figure should not be treated as an immediately deployable cash reserve.
Funding pressure is the most direct operating risk identified by management because it can consume revenue gains while spending on the franchise continues. Planned repurchases also shift from deploying excess capital toward maintaining capital, increasing the importance of sustained earnings and cash generation.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $1.04B Jun 30, 2026
- Previous quarter · operating cash flow
- $172.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $1.04B | −$188.00M |
| Mar 31, 2026 | $172.00M | −$194.00M |
| Dec 31, 2025 | $1.05B | −$330.00M |
| Sep 30, 2025 | $916.00M | $92.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at First Citizens BancShares (FCNCA)?
Short answer · as of
The next earnings report is expected on Oct 23, 2026.
Research dated 2026-09-12.
Watch whether revenue meets the next consensus expectation while gross profit, operating profit and cash generation hold the latest improvement. The more demanding confirmation is progress toward management’s adjusted efficiency target despite funding pressure and continued investment.
Global Fund Banking balances should reveal whether a healthy pipeline can offset the moderation management expects after heavy production and utilization. Deposit growth also deserves attention because guidance incorporates the BMO branch acquisition and targeted gathering, while the path of cash and short-term investments will clarify how capital deployment is changing.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
We expect that our adjusted efficiency ratio will be in the low 60% range in 2026 as strong revenue performance is partially offset by funding pressures and continued investments in our franchise.
Craig Nix ·
We anticipate repurchases of approximately $600 million in the third quarter and $300 million in the fourth quarter as the capital distribution strategy pivots from deploying excess capital towards sustainable capital maintenance.
Craig Nix ·
Global Fund Banking is supported by a healthy $11 billion pipeline, though we anticipate balance growth will moderate following record production and high utilization in the first half of the year.
Craig Nix ·
We reaffirm our full year guidance of $181 billion to $186 billion, accounting for the BMO branch acquisition and targeted deposit growth.
Craig Nix ·
How does First Citizens BancShares compare with its peers?
Short answer
First Citizens BancShares's score ranks tied for 12th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Compared with a narrowly focused regional lender, FCNCA combines a broad branch-based deposit and lending franchise with wealth services, payments, factoring and Global Fund Banking. That mix creates several fee streams, but it also ties performance to specialty fund borrowing alongside familiar deposit and credit economics.
Global Fund Banking is the clearest differentiator in the current outlook: its pipeline supports demand, yet management expects balance growth to slow after elevated production and utilization. The comparison with peers therefore depends less on branch banking alone and more on how specialty lending, deposits and fee businesses interact.
| Company | Price | Market value | Score |
|---|---|---|---|
| $78.03 Oct 2, 2026 | $36.9B | 98 5-pillar Oct 5, 2026 | |
| $91.91 Oct 2, 2026 | $21.8B | 98 5-pillar Oct 5, 2026 | |
| $75.21 Oct 2, 2026 | $18.3B | 98 5-pillar Oct 5, 2026 | |
| $53.11 Oct 2, 2026 | $5.90B | 95 5-pillar Oct 5, 2026 | |
| $3.16 Oct 2, 2026 | $34.4B | 94 5-pillar Oct 5, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 5, 2026 | |
| $17.68 Oct 2, 2026 | $9.80B | 91 5-pillar Oct 5, 2026 | |
| $57.51 Oct 2, 2026 | $89.6B | 90 5-pillar Oct 5, 2026 | |
| $158.14 Oct 2, 2026 | $10.1B | 89 5-pillar Oct 5, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 89 5-pillar Oct 5, 2026 | |
| $373.31 Oct 2, 2026 | $29.7B | 86 5-pillar Oct 5, 2026 | |
| First Citizens BancShares (FCNCA) — this page | $2073.46 | $23.6B | 78 |
| $219.17 Oct 2, 2026 | $31.8B | 78 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $2050.00 – $2376.00
- Consensus target
- $2289.83
- Median target
- $2331.50
Consensus record · Captured .
Measured against a quoted price of $2073.46 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026
- Transactions
- 59
- Identified insiders
- 4
- Purchases
- 52
- Sales
- 7
- Other transactions
- 0
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 57.9% Period end Jun 30, 2026
- Previous quarter · ownership
- 58.5% Prior to period end Jun 30, 2026
- Reporting holders
- 642 Period end Jun 30, 2026
- Previous quarter · holders
- 617 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Harris Associates L P | 919,347 |
| Blackrock, INC. | 859,143 |
| Dodge & Cox | 404,215 |
| Vanguard Capital Management LLC | 358,575 |
| Vanguard Portfolio Management LLC | 312,316 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about First Citizens BancShares (FCNCA)?
What Investors Ask About First Citizens BancShares (FCNCA) — Financial Services
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How does Global Fund Banking affect FCNCA?
Global Fund Banking supplies a healthy lending pipeline and has recently benefited from heavy production and utilization. Management nevertheless expects balance growth to moderate, making conversion of that pipeline a key operating signal.
Why does the BMO branch acquisition matter for FCNCA deposits?
Management’s deposit guidance already incorporates the acquired BMO branches along with targeted deposit gathering. Reported deposit progress should therefore be judged against a base that includes acquisition-related growth.
Why is FCNCA’s cash and investment balance dominated by long-term holdings?
Most of the combined balance is classified as long-term investments, with the underlying investment classification left unspecified. Cash and short-term investments are much smaller and recently declined sharply, so the headline total is not equivalent to available liquidity.
How do funding pressure and franchise investment affect FCNCA’s efficiency target?
Management expects strong revenue to be partly consumed by funding pressure and continued investment in the franchise. Meeting the stated efficiency range therefore requires revenue strength to persist while those costs remain controlled.
What is the FCNCA stock price today?
The last price recorded on this page for First Citizens BancShares, Inc. (FCNCA) is $2073.46, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the FCNCA price target?
The analyst consensus price target for First Citizens BancShares, Inc. (FCNCA) is $2289.83 (range $2050.00 to $2376.00, median $2331.50), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does FCNCA pay a dividend?
Yes. First Citizens BancShares, Inc. (FCNCA) shows a trailing 12-month dividend yield of 0.41%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (74 figures)
The 74 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Craig Nix (Jul 23, 2026): We expect that our adjusted efficiency ratio will be in the low 60% range in 2026 as strong revenue performance is partially offset by funding pressures and continued investments in our franchise. Craig Nix (Jul 23, 2026): We anticipate repurchases of approximately $600 million in the third quarter and $300 million in the fourth quarter as the capital distribution strategy pivots from deploying excess capital towards sustainable capital maintenance. Craig Nix (Jul 23, 2026): Global Fund Banking is supported by a healthy $11 billion pipeline, though we anticipate balance growth will moderate following record production and high utilization in the first half of the year. Craig Nix (Jul 23, 2026): We reaffirm our full year guidance of $181 billion to $186 billion, accounting for the BMO branch acquisition and targeted deposit growth. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Raleigh, NC | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "4300 Six Forks Road, Raleigh, NC, 27609, US". |
FMP — 63 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $2073.46 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T09:34:53.700Z. | |
px.change | Change on the day | -0.00% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $23.6B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:01.000Z. Captured from FMP at 2026-10-05T09:34:52.027Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 23, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | −$0.04 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $3.60B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 11.09 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 59.0K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.58 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Frank Brown Holding Jr. | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 18,141 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.90B, net result $547.00M; FY2022 revenue $5.10B, net result $1.10B; FY2023 revenue $12.64B, net result $11.47B; FY2024 revenue $14.94B, net result $2.78B; FY2025 revenue $14.50B, net result $2.21B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Asset Management $229.00M · International Fees $136.00M · Credit and Debit Card $158.00M · Factoring Commissions $73.00M · Deposit Fees and Service Charges $241.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $3.60B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $672.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $55.4800 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $3.48B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $534.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $42.6300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $3.65B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $580.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $45.8100 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $3.69B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $568.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $43.1200 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-23.revenue_actual | Revenue · reported — report date 2026-07-23 | $2.24B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.revenue_estimated | Revenue · estimate — report date 2026-07-23 | $2.19B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_actual | EPS · reported — report date 2026-07-23 | $0.5709 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_estimated | EPS · estimate — report date 2026-07-23 | $0.4069 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_actual | Revenue · reported — report date 2026-04-23 | $2.24B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_estimated | Revenue · estimate — report date 2026-04-23 | $2.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_actual | EPS · reported — report date 2026-04-23 | $44.8600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_estimated | EPS · estimate — report date 2026-04-23 | $39.5600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-23.revenue_actual | Revenue · reported — report date 2026-01-23 | $2.38B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-23.revenue_estimated | Revenue · estimate — report date 2026-01-23 | $2.21B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-23.eps_actual | EPS · reported — report date 2026-01-23 | $0.5127 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-23.eps_estimated | EPS · estimate — report date 2026-01-23 | $0.4399 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $2.43B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $2.22B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $44.6200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $41.8700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $1.04B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $172.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$188.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$194.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $1.05B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$330.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $916.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | $92.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $2050.00 – $2376.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $2289.83 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $2331.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 59 transactions · 52 purchases, 7 sales, 0 other transactions · 4 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 57.9% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 58.5% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 642 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 617 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Harris Associates L P — shares in provider snapshot | 919,347 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Blackrock, INC. — shares in provider snapshot | 859,143 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Dodge & Cox — shares in provider snapshot | 404,215 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Capital Management LLC — shares in provider snapshot | 358,575 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 312,316 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 6 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z 0.30 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation | |
px.range52 | 52-week range | $1623.76 – $2296.30 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $8.40 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 0.41% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-23.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.24B) with the recorded estimate ($2.19B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-23.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.5709) with the recorded estimate ($0.4069) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 78 of 100 · Strong · pillars 67 / 71 / 77 / 86 / 67 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 77 (stored snapshot Oct 4, 2026) → 78 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-23. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-23.revenue_actual,earn.history.depth.2026-07-23.revenue_estimated,earn.history.depth.2026-07-23.revenue_actual.comparison,earn.history.depth.2026-07-23.eps_actual.comparison,earn.history.depth.2026-07-23.eps_actual,earn.history.depth.2026-07-23.eps_estimated,earn.history.depth.2026-04-23.revenue_actual,earn.history.depth.2026-04-23.revenue_estimated,earn.history.depth.2026-04-23.eps_actual,earn.history.depth.2026-04-23.eps_estimated,earn.history.depth.2026-01-23.revenue_actual,earn.history.depth.2026-01-23.revenue_estimated,earn.history.depth.2026-01-23.eps_actual,earn.history.depth.2026-01-23.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Headquarters | 4300 SIX FORKS ROAD, RALEIGH, NC, 27609 Our market-data provider lists "4300 Six Forks Road, Raleigh, NC, 27609, US"; the address on file with the SEC is used here. | 2026-09-12 | OFFICIAL | SEC EDGAR filer business address |
| Business description | First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-23 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6022 — State Commercial Banks. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Asset Management: $229.00M; International Fees: $136.00M; Credit and Debit Card: $158.00M; Factoring Commissions: $73.00M; Deposit Fees and Service Charges: $241.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-23 | FMP | Financial Modeling Prep (FMP) earnings |
| Most recent periodic reports | 2026-08-07 | OFFICIAL | SEC EDGAR filer submissions | |
| Trailing twelve-month ratio set | Quick ratio: 9.99; Current ratio: 9.99; Debt to equity: 1.47; Net margin: 16.3%; Gross margin: 64%; Operating margin: 21.9%; Return on assets: 1%; Return on equity: 10.7% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $32.19B; Liquidity basis: cash and short-term investments; Total liabilities: $214.94B; Cash and short-term investments: $1.52B; Cash and investments: $216.50B; Long-term investments: $214.98B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $216.50B; Cash and short-term investments: $1.52B; Long-term investments: $214.98B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-31 | FMP | Financial Modeling Prep (FMP) dividend history |
| Next earnings report | Date: 2026-10-22; EPS estimate: $45.77 per share; Revenue estimate: $2.23B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
Data provided for informational purposes only.