First Citizens BancShares, Inc. (FCNCO) Stock Price & Analysis
First Citizens BancShares, Inc. (FCNCO) — MoonshotScore 65/100 (Strong band), calculated Oct 4, 2026. Price $19.05 (+0.29%), as of the Oct 2, 2026 trading session; market cap $23.0B. Expected results Oct 23, 2026.
Educational signal · not a buy or sell recommendation · How to read this
First Citizens BancShares, Inc. · FCNCO · Financial Services · Banks - Regional
Research dated 2026-09-12: First Citizens BancShares is a bank holding company built around deposits, commercial and consumer lending, and a broad collection of fee services. Commercial balance growth can lift earnings, but funding pressure and continued franchise spending must not absorb those gains.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · First Citizens BancShares (FCNCO)
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, and the price trend has turned against it. Business Quality: Solid; Financial Safety: Sound; Valuation: Fair; Growth Durability: Compounding; Momentum: Falling.
- quarterly revenue $3.60B (Q2 FY2026, quarter ended Jun 30, 2026)
- EPS beat 6 of 7
- Altman Z 0.30 · Piotroski F 8
Holding back: weak price trend
Helping: balance-sheet strength, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 68 | Strong | |
| 67 | Strong | |
| 67 | Strong | |
| 67 | Strong | |
| 64 | Fair | |
| 64 | Fair |
The score moved from 66 in the stored Oct 3, 2026 snapshot to 65 in the current publication computed Oct 4, 2026 (-1); the largest pillar moves were Growth Durability -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 | $19.05 | |
| Change on the day | +0.29% | |
| 52-week range | $18.80–$23.43 | |
| Market capitalisation | $23.0B | |
| Price / earnings (trailing) | 11.09 | |
| Shares traded on the day | 15.0K | |
| Beta (volatility vs the S&P 500) | 0.61 | |
| Dividends per share (last 12 months) | $1.41 | |
| Dividend yield (last 12 months) | 7.38% |
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 (FCNCO): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
9-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 9, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 1, 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 1, 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 5, 2026, except a card that shows its own read date.
Watch the FCNCO film — every key number, told as a short cinematic story
~2 min · open the film
What is First Citizens BancShares (FCNCO), and what does it report?
Short answer · as of
Customers place deposits with First Citizens, while households, businesses and professionals borrow through mortgages, construction finance, industrial credit, leases, auto loans and other credit products.
Research dated 2026-09-12.
Customers place deposits with First Citizens, while households, businesses and professionals borrow through mortgages, construction finance, industrial credit, leases, auto loans and other credit products. Treasury management, card processing, asset management, brokerage, private banking, trust and advisory services add fee income alongside lending economics.
First Citizens is more than a regional branch bank. Global Fund Banking and specialized commercial finance extend the business beyond local deposit gathering, while the disclosed segment categories represent selected fee pools rather than the entire consolidated revenue base.
What do the latest results show for First Citizens BancShares (FCNCO)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $3.60B.
Research dated 2026-09-12.
The latest quarter reversed the recent sequential slide in revenue. Gross profit, operating profit, net income and diluted earnings also improved from the preceding period, while reported administrative expense declined; the recovery follows an annual period in which revenue and net income had fallen.
Operating cash flow rebounded sharply from a subdued preceding period. Earnings releases have generally cleared their accompanying revenue estimates, while management says strong revenue performance is being partly offset by funding pressure and continued investment in the franchise.
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 | $2.25B | $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 (FCNCO)?
Short answer · as of
The MoonshotScore pillars rate balance-sheet strength, an attractive price, durable growth as strengths.
Research dated 2026-09-12.
Operating cash flow stayed positive throughout the displayed history, but its quarter-to-quarter variation is substantial. Debt and the wider liability base make the cost and stability of funding central to the earnings profile.
The combined cash-and-investment balance is overwhelmingly composed of long-term investments carrying an unclassified designation, while cash and short-term investments fell abruptly in the latest period. That combined figure should not be treated as an immediately available cash reserve against debt or liabilities.
The declared distribution continues the recent per-share level. Management is also shifting repurchases from deploying excess capital toward maintaining capital, making the durability of internal cash generation more important to future distributions.
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 (FCNCO)?
Short answer · as of
The next earnings report is expected on Oct 23, 2026.
Research dated 2026-09-12.
When First Citizens reports again, watch whether revenue continues recovering and whether operating profit, net income and operating cash flow confirm the same direction. Expense discipline also matters because management expects funding pressure and franchise investment to consume part of the benefit from stronger revenue.
Management has supplied company-specific markers: Global Fund Banking balance growth is expected to moderate after record production and high utilization despite a healthy pipeline, while deposit expectations incorporate the BMO branch acquisition and targeted organic growth. Delivery against those markers would clarify whether balance expansion is translating into durable earnings rather than merely a larger funding requirement.
Consensus averages imply gradual revenue and earnings expansion across the forecast horizon, although analyst coverage narrows in the later periods. Near-term operating evidence therefore carries more weight than the distant averages.
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 6th of 6 in the bounded comparison shown, against 5 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.
First Citizens combines a broad branch and digital deposit franchise with Global Fund Banking, lease financing, specialized commercial credit, wealth management and trust services. That mix differs from a branch-led regional-bank archetype because loan utilization and specialized client activity matter alongside local account growth.
Fee streams from asset management, cards, international activity, factoring and deposit services broaden the revenue mix, but they do not replace core banking economics. Deposit funding, commercial balance growth and the expense required to support the franchise remain the principal operating mechanisms.
| Company | Price | Market value | Score |
|---|---|---|---|
| $78.03 Oct 2, 2026 | $36.9B | 98 5-pillar Oct 4, 2026 | |
| $57.51 Oct 2, 2026 | $89.6B | 89 5-pillar Oct 4, 2026 | |
| $46.45 Oct 2, 2026 | $57.9B | 85 5-pillar Oct 4, 2026 | |
| $64.33 Oct 2, 2026 | $27.2B | 68 5-pillar Oct 4, 2026 | |
| $15.33 Oct 2, 2026 | $31.0B | 66 5-pillar Oct 4, 2026 | |
| First Citizens BancShares (FCNCO) — this page | $19.05 | $23.0B | 65 |
| $91.91 Date unavailable | $21.8B | — Model unavailable | |
| $75.21 Date unavailable | $18.3B | — Model unavailable | |
| $3.16 Date unavailable | $34.4B | — Model unavailable | |
| $17.68 Date unavailable | $9.80B | — Model unavailable | |
| $32.03 Date unavailable | $7.68B | — Model unavailable | |
| $47.04 Date unavailable | $6.48B | — Model unavailable | |
| $53.11 Date unavailable | $5.90B | — Model unavailable |
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
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 15, 2026
- Transactions
- 70
- Identified insiders
- 4
- Purchases
- 53
- Sales
- 11
- Other transactions
- 6
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.
First Citizens BancShares Financial Services Stock: Key Questions Answered
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
Why do First Citizens revenue figures use different bases?
The consolidated quarterly income-statement revenue line is materially larger than the revenue line attached to earnings-estimate comparisons. Each series should be judged against its own history rather than spliced into a single trend.
How does Global Fund Banking affect First Citizens?
Global Fund Banking adds a specialized source of commercial balance growth beyond the branch franchise. Management describes a healthy pipeline but expects growth to moderate after record production and high utilization.
What does the BMO branch acquisition mean for First Citizens deposits?
Management includes the acquired branches alongside targeted deposit growth in its balance-sheet expectations. The practical test is whether those deposits support expansion without intensifying the funding pressure already identified by management.
Why is First Citizens cash and investments so different from cash?
Long-term investments dominate the combined balance and carry an unclassified designation, while immediately available cash and short-term investments form a much smaller pool. Treating the combined amount as cash would overstate near-term liquidity.
What is the FCNCO stock price today?
The last price recorded on this page for First Citizens BancShares, Inc. (FCNCO) is $19.05, 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.
Does FCNCO pay a dividend?
Yes. First Citizens BancShares, Inc. (FCNCO) shows a trailing 12-month dividend yield of 7.38%, 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 (62 figures)
The 62 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 — 52 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $19.05 | 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 2026-10-04T20:54:45.361Z. | |
px.change | Change on the day | +0.29% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $23.0B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-04T20:54:42.350Z. 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 | +$0.055 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $3.60B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $18.80–$23.43 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 11.09 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 15.0K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.61 | 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 | $2.25B | 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 |
own.insiders | Insider transactions via FMP | 70 transactions · 53 purchases, 11 sales, 6 other transactions · 4 identified insiders · of the newest 100 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. |
UNRECORDED — 2 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 7 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-02 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.30 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-08-08 · Expired observation |
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) | $1.41 | 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 2026-10-04, 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 | 7.38% | 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 | 65 of 100 · Strong · pillars 67 / 70 / 77 / 80 / 17 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 66 (stored snapshot Oct 3, 2026) → 65 (current publication computed Oct 4, 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 |
|---|---|---|---|---|
| Legal name | FIRST CITIZENS BANCSHARES INC /DE/ Our market-data provider lists the name as "First Citizens BancShares, Inc."; the filer's own record is used here. | 2026-02-24 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-24 |
| Business description | First Citizens BancShares, Inc. functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive array of retail and commercial banking solutions to individuals, businesses, and professionals. The institution's deposit offerings include checking, savings, money market, and certificate of deposit accounts. Its lending portfolio features commercial construction and land development loans, commercial mortgages, commercial and industrial financing, lease financing, and Small Business Administration Paycheck Protection Program loans. On the consumer side, it provides residential and revolving mortgages, construction and land development loans for consumers, auto loans, and other personal credit products. The company also furnishes treasury management services, cardholder and merchant processing, wealth management, and various other specialized products. Investment opportunities extend to annuities, discount brokerage services, third-party mutual funds, and bespoke investment management and advisory services. Additionally, it offers defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic guidance, and special asset management. These services are delivered through its widespread branch network, alongside digital banking platforms, telephone banking, and an extensive ATM network. As of December 31, 2021, First Citizens BancShares, Inc. operated 529 branches across Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. The company, founded in 1898, is headquartered in Raleigh, North Carolina. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| 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) |
| 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 |
| 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 |
| 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 |
| 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 scheduled dividend | Ex date: 2026-08-31; Declared on: 2026-07-21; Record date: 2026-08-31; Payment date: 2026-09-15; Amount per share: $0.35 Amount is per share as declared, before any withholding. Owning the share before the ex-date is what carries entitlement. | 2026-07-21 | FMP | Financial Modeling Prep (FMP) dividend calendar |
| 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 |
| 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 |
Data provided for informational purposes only.