First Citizens BancShares, Inc. (FCNCP) Stock Price & Analysis
First Citizens BancShares, Inc. (FCNCP) — MoonshotScore 64/100 (Fair band), calculated Oct 26, 2026. Price $17.94 (+0.99%), as of the Oct 23, 2026 trading session; market cap $27.0B. Expected results Jan 22, 2027.
Educational signal · not a buy or sell recommendation · How to read this
First Citizens BancShares, Inc. · FCNCP · Financial Services · Banks - Regional
Research dated 2026-09-12: First Citizens BancShares is the parent of a deposit-funded banking platform spanning commercial and consumer lending, treasury services, payments, wealth management and fiduciary work. FCNCP therefore reflects more than a conventional regional branch lender: fee businesses and specialized commercial banking sit beside the core spread franchise. Durable earnings depend on revenue growth outrunning funding pressure, franchise investment and credit costs.
Price as of Oct 23, 2026
Key Statistics
MoonshotScore v2 · First Citizens BancShares (FCNCP)
FairWhy 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?
High quality, a strong balance sheet and durable growth, with no real weak spot — fairly priced, so not a bargain entry, and the price trend has turned against it. Business Quality: Elite; 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 0.28 · Piotroski F 8
Holding back: weak price trend
Helping: business quality, balance-sheet strength, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 62 | Fair | |
| 62 | Fair | |
| 61 | Fair | |
| 62 | Fair | |
| 62 | Fair | |
| 64 | Fair |
The score moved from 66 in the stored Oct 24, 2026 snapshot to 64 in the current publication computed Oct 26, 2026 (-2); the largest pillar moves were Valuation -7 and Business Quality -2.
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 | $17.94 | |
| Change on the day | +0.99% | |
| 52-week range | $17.36–$22.55 | |
| Market capitalisation | $27.0B | |
| Price / earnings (trailing) | 12.17 | |
| Shares traded on the day | 30.7K | |
| Beta (volatility vs the S&P 500) | 0.61 | |
| Dividends per share (last 12 months) | $1.34 | |
| Dividend yield (last 12 months) | 7.49% |
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 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
Finally, to support both long-term capital levels and the systematic replacement of the Purchase Money Note, we anticipate aggregate senior unsecured and subordinated debt issuances will be in a modest range of approximately $1 billion-$2 billion through year-end 2027.
Craig Nix · Statement from
For both the fourth quarter and full year 2026, we expect our tax rate to be in the range of 24.5%-25.5%, which is exclusive of any discrete items.
Craig Nix · Statement from
Chronological order, not a duration scale. 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 (FCNCP): 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 8, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 8, 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 8, 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 27, 2026, except a card that shows its own read date.
Watch the FCNCP film — every key number, told as a short cinematic story
~2 min · open the film
What is First Citizens BancShares (FCNCP), and what does it report?
Short answer · as of
Customers supply deposits and demand credit, while businesses and affluent clients also purchase treasury, payments, investment, trust and advisory services.
Research dated 2026-09-12.
Customers supply deposits and demand credit, while businesses and affluent clients also purchase treasury, payments, investment, trust and advisory services. Lending ranges from commercial development and industrial credit to mortgages, leases, auto finance and personal loans. Reported revenue and profit consequently combine balance-sheet income with several fee streams rather than measuring branch banking alone.
What do the latest results show for First Citizens BancShares (FCNCP)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $3.60B.
Research dated 2026-09-12.
The latest period brought revenue back up after the preceding contraction. Gross profit, operating profit, net income and diluted earnings also advanced, while selling and administrative expense retreated and operating cash flow rebounded sharply. Reported revenue has repeatedly cleared consensus expectations, although the longer annual record shows that revenue and net income have not progressed smoothly.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $3.70B Sep 30, 2026
- Latest quarter · net income
- $606.00M Sep 30, 2026
- Latest quarter · EPS
- $51.2300 (diluted) Sep 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Sep 30, 2026 | $3.70B | $606.00M | $51.2300 (diluted) |
| 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) |
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
- $2.27B Oct 23, 2026
- Latest report · revenue estimate
- $2.23B Oct 23, 2026
- Latest report · revenue vs estimate
- Above estimate Oct 23, 2026
- Latest report · EPS vs estimate
- Above estimate Oct 23, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Oct 23, 2026 | $2.27B | $2.23B | $55.3700 | $46.1800 |
| Jul 23, 2026 | $2.24B | $2.19B | $57.0900 | $40.6900 |
| Apr 23, 2026 | $2.24B | $2.17B | $44.8600 | $39.5600 |
| Jan 23, 2026 | $2.38B | $2.21B | $0.5127 | $0.4399 |
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 (FCNCP)?
Short answer · as of
The MoonshotScore pillars rate business quality, balance-sheet strength, durable growth as strengths.
Research dated 2026-09-12.
The latest operating cash inflow comfortably exceeded capital spending, but cash generation has been highly uneven between reporting periods. More importantly, cash and short-term investments fell abruptly, while nearly all stated cash and investments now sit in long-term investments carrying an unclassified designation. That total should not be treated as readily available liquidity.
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 (FCNCP)?
Short answer · as of
The next earnings report is expected on Jan 22, 2027.
Research dated 2026-09-12.
Deposit growth following the BMO branch acquisition is the clearest near-term operating check because management expects funding pressure even as it targets franchise expansion. Global Fund Banking enters the period with a healthy pipeline, yet management expects balance growth to moderate after unusually strong production and utilization. Readers should also test whether improving revenue and profit persist, whether operating cash flow remains volatile, and whether capital returns proceed alongside the sharp change in short-term liquidity.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Finally, to support both long-term capital levels and the systematic replacement of the Purchase Money Note, we anticipate aggregate senior unsecured and subordinated debt issuances will be in a modest range of approximately $1 billion-$2 billion through year-end 2027.
Craig Nix ·
For both the fourth quarter and full year 2026, we expect our tax rate to be in the range of 24.5%-25.5%, which is exclusive of any discrete items.
Craig Nix ·
In terms of looking at where we were in the third quarter actual compared to the fourth quarter exit, we expect headline net interest income to be up low-single-digit percentage points and ex accretion to be up low to mid-single-digit percentage points.
Craig Nix ·
How does First Citizens BancShares compare with its peers?
Short answer
First Citizens BancShares's score ranks 13th 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.
A conventional regional-bank comparison starts with branch deposits and loans. First Citizens adds specialized fund banking plus treasury, merchant, card, asset-management, factoring, international-fee and fiduciary activities, giving it revenue sources beyond the lending spread. The distinction is breadth rather than insulation: those businesses still depend on client activity, credit quality and competitively priced funding across the banking platform.
| Company | Price | Market value | Score |
|---|---|---|---|
| $2.76 Oct 26, 2026 | $31.1B | 99 5-pillar Oct 26, 2026 | |
| $96.49 Oct 26, 2026 | $23.1B | 98 5-pillar Oct 26, 2026 | |
| $65.84 Oct 26, 2026 | $16.3B | 97 5-pillar Oct 26, 2026 | |
| $65.93 Oct 26, 2026 | $9.70B | 96 5-pillar Oct 26, 2026 | |
| $7.69 Oct 26, 2026 | $107B | 95 5-pillar Oct 26, 2026 | |
| $51.66 Oct 26, 2026 | $5.72B | 95 5-pillar Oct 26, 2026 | |
| $65.24 Oct 26, 2026 | $30.6B | 93 5-pillar Oct 26, 2026 | |
| $34.83 Oct 26, 2026 | $8.30B | 91 5-pillar Oct 26, 2026 | |
| $48.92 Oct 26, 2026 | $6.63B | 91 5-pillar Oct 26, 2026 | |
| $59.72 Oct 26, 2026 | $92.8B | 83 5-pillar Oct 26, 2026 | |
| $48.92 Oct 26, 2026 | $59.2B | 78 5-pillar Oct 26, 2026 | |
| $65.36 Oct 26, 2026 | $27.4B | 71 5-pillar Oct 26, 2026 | |
| First Citizens BancShares (FCNCP) — this page | $17.94 | $27.0B | 64 |
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 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
- 0.0% Period end Jun 30, 2026
- Previous quarter · ownership
- 0.0% Prior to period end Jun 30, 2026
- Reporting holders
- 1 Period end Jun 30, 2026
- Previous quarter · holders
- 2 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Thompson Investment Management, INC. | 1,000 |
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.
FCNCP Financial Services Stock FAQ
Research dated 2026-09-12; the full attribution is under Sources. The last question is answered from this page's own dated data, not from the research.
What does Global Fund Banking change about First Citizens loan growth?
It adds a pipeline-driven source of commercial balances, but management expects growth to moderate after record production and heavy utilization. Pipeline conversion matters more than assuming the earlier pace will continue.
Why did First Citizens earnings improve in the latest period?
Revenue, gross profit, operating profit, net income and diluted earnings rose, while selling and administrative expense declined and operating cash flow recovered. Management separately cautions that funding pressure and continued franchise investment will absorb part of the revenue benefit.
Why is First Citizens cash and investments different from readily available liquidity?
Most of the stated total is classified as long-term investments rather than cash and short-term investments, and the long-term classification is otherwise unspecified. The immediately available portion also dropped sharply in the latest period.
How dependable has the FCNCP dividend pattern been?
The declared distribution matches the recent payment pattern, indicating consistency across the disclosed history. Past declarations do not make future distributions permanent.
What is the FCNCP stock price today?
The last price recorded on this page for First Citizens BancShares, Inc. (FCNCP) is $17.94, as of the Oct 23, 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.
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 (67 figures)
The 67 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 (Oct 23, 2026): Finally, to support both long-term capital levels and the systematic replacement of the Purchase Money Note, we anticipate aggregate senior unsecured and subordinated debt issuances will be in a modest range of approximately $1 billion-$2 billion through year-end 2027. Craig Nix (Oct 23, 2026): For both the fourth quarter and full year 2026, we expect our tax rate to be in the range of 24.5%-25.5%, which is exclusive of any discrete items. Craig Nix (Oct 23, 2026): In terms of looking at where we were in the third quarter actual compared to the fourth quarter exit, we expect headline net interest income to be up low-single-digit percentage points and ex accretion to be up low to mid-single-digit percentage points. | 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 — 57 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $17.94 | 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 2026-10-26T04:04:47.815Z. | |
px.change | Change on the day | +0.99% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $27.0B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-23. FMP quote timestamp: 2026-10-23T20:00:00.000Z. Captured from FMP at 2026-10-26T04:04:41.044Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Jan 22, 2027 | 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 | +$0.175 | 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 | $17.36–$22.55 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 12.17 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 30.7K | 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 | 18,009 | 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 $211.00M · International Fees $119.00M · Credit and Debit Card $163.00M · Factoring Commissions $75.00M · Deposit Fees and Service Charges $230.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-09-30.revenue_k | Revenue — period end 2026-09-30 | $3.70B | 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.2026-09-30.net_result_k | Net income — period end 2026-09-30 | $606.00M | 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.2026-09-30.eps | EPS — period end 2026-09-30 | $51.2300 (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.2026-06-30.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 |
earn.history.depth.2026-10-23.revenue_actual | Revenue · reported — report date 2026-10-23 | $2.27B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-23.revenue_estimated | Revenue · estimate — report date 2026-10-23 | $2.23B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-23.eps_actual | EPS · reported — report date 2026-10-23 | $55.3700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-23.eps_estimated | EPS · estimate — report date 2026-10-23 | $46.1800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history 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 | $57.0900 | 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 | $40.6900 | 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 |
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 | 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 | 0.0% | 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 | 0.0% | 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 | 1 | 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 | 2 | 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 | Thompson Investment Management, INC. — shares in provider snapshot | 1,000 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
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 2026-10-13 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.28 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-24 · 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) | $1.34 | 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 2026-10-26, 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 | 7.49% | 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.2026-10-23.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 ($2.27B) with the recorded estimate ($2.23B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-10-23.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 ($55.3700) with the recorded estimate ($46.1800) 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 | 64 of 100 · Fair · pillars 82 / 69 / 62 / 86 / 9 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 66 (stored snapshot Oct 24, 2026) → 64 (current publication computed Oct 26, 2026) (-2) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-09-30. 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.2026-09-30.revenue_k,fin.q_table.depth.2026-09-30.net_result_k,fin.q_table.depth.2026-09-30.eps,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. - Earnings-history note. Source series as of 2026-10-23. 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.2026-10-23.revenue_actual,earn.history.depth.2026-10-23.revenue_estimated,earn.history.depth.2026-10-23.revenue_actual.comparison,earn.history.depth.2026-10-23.eps_actual.comparison,earn.history.depth.2026-10-23.eps_actual,earn.history.depth.2026-10-23.eps_estimated,earn.history.depth.2026-07-23.revenue_actual,earn.history.depth.2026-07-23.revenue_estimated,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. - 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.
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
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 |
| Ticker / exchange | FCNCP on Nasdaq | 2026-09-12 | OFFICIAL | SEC EDGAR filer record |
| Business description | First Citizens BancShares, Inc. serves as the parent company for First-Citizens Bank & Trust Company, furnishing a complete spectrum of retail and commercial banking solutions for individuals, businesses, and professionals. Its deposit product range features checking, savings, money market, and time deposit accounts. The company's diverse lending portfolio includes commercial construction and land development loans, commercial mortgages, commercial and industrial loans, lease financing, and Small Business Administration Paycheck Protection Program (PPP) loans. For consumer clients, it offers residential and revolving mortgages, construction and land development loans, auto loans, and various other personal credit options. Beyond traditional banking, First Citizens delivers treasury services, cardholder and merchant services, and comprehensive wealth management. It also provides investment products such as annuities, discount brokerage services, access to third-party mutual funds, and expert investment management and advisory services. Furthermore, the company extends specialized trust and fiduciary offerings, covering defined benefit and defined contribution plans, insurance, private banking, philanthropic services, and special asset management. These services are accessible through its extensive branch network, alongside digital banking, telephone banking, and various ATM networks. By December 31, 2021, First Citizens operated 529 branches spanning nineteen states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin. Founded in 1898, First Citizens BancShares, Inc. is headquartered in Raleigh, North Carolina. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| 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: $211.00M; International Fees: $119.00M; Credit and Debit Card: $163.00M; Factoring Commissions: $75.00M; Deposit Fees and Service Charges: $230.00M | 2024-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| 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) |
| 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 |
| 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 |
| 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 |
| 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 |
| 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: $0.34 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 |
Data provided for informational purposes only.