First Citizens Bancshares, Inc. (FIZN)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Citizens Bancshares, Inc. (FIZN) with AI Score 56/100 (Hold). First Citizens Bancshares, Inc. operates as a commercial bank, providing a range of financial services to individuals and corporate clients. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 15, 2026First Citizens Bancshares, Inc. (FIZN) Financial Services Profile
First Citizens Bancshares, Inc., operating through First Citizens National Bank, provides commercial banking services in the United States. With a history dating back to 1889, the company offers diverse financial products, including deposit accounts, lending services, and digital banking solutions, serving both individual and corporate customers from its base in Dyersburg, Tennessee.
Investment Thesis
First Citizens Bancshares, Inc. presents a compelling investment case due to its established presence in the regional banking sector and a diversified portfolio of financial services. With a profit margin of 29.4% and an ROE of 11.6%, the company demonstrates strong financial performance. The company's low beta of 0.05 suggests lower volatility compared to the broader market. Growth catalysts include the expansion of digital banking services and strategic lending initiatives targeting the agricultural and commercial sectors. The bank's long-standing history and community focus could drive customer loyalty and organic growth. However, investors may want to evaluate the risks associated with regulatory compliance and potential economic downturns affecting loan performance. Monitoring the bank's asset quality and risk management practices will be crucial for assessing its long-term sustainability.
Based on FMP financials and quantitative analysis
Key Highlights
- Profit Margin of 29.4% indicates efficient operations and strong profitability.
- Return on Equity (ROE) of 11.6% demonstrates the company's effectiveness in generating profits from shareholders' equity.
- Beta of 0.05 suggests the stock is significantly less volatile than the overall market.
- The company offers a comprehensive suite of banking services, including deposit accounts, lending, and digital banking.
- Founded in 1889, First Citizens Bancshares has a long-standing history and established presence in the regional banking sector.
Strengths
- Established presence in the regional banking sector.
- Diversified portfolio of financial services.
- Strong customer relationships and community focus.
- Conservative risk management practices.
Weaknesses
- Limited geographic reach compared to larger national banks.
- Reliance on traditional banking services.
- Potential exposure to regional economic downturns.
- Limited brand recognition outside its primary market area.
Catalysts
- Upcoming: Potential expansion of digital banking services to attract younger demographics.
- Ongoing: Strategic lending initiatives targeting the agricultural sector.
- Ongoing: Focus on commercial real estate lending to drive revenue growth.
- Ongoing: Enhancement of wealth management services to attract high-net-worth individuals.
- Ongoing: Potential strategic acquisitions and partnerships to expand market reach.
Risks
- Potential: Increased competition from larger national banks and fintech companies.
- Ongoing: Evolving regulatory landscape and compliance costs.
- Potential: Economic downturns affecting loan performance.
- Potential: Cybersecurity risks and data breaches.
- Ongoing: Limited liquidity due to OTC market trading.
Growth Opportunities
- Expansion of Digital Banking Services: First Citizens can capitalize on the growing demand for digital banking solutions by enhancing its mobile and online platforms. Investing in user-friendly interfaces, secure payment systems, and personalized financial services can attract and retain tech-savvy customers. The global digital banking market is projected to reach $12.3 trillion by 2031, presenting a significant growth opportunity for First Citizens. Timeline: Ongoing.
- Strategic Lending Initiatives in the Agricultural Sector: Given its roots in a rural community, First Citizens can leverage its expertise in agricultural lending to expand its market share. By offering tailored financial products and services to farmers and agricultural businesses, the bank can tap into a stable and growing market. The U.S. agricultural sector is projected to grow steadily, driven by increasing global demand for food. Timeline: Ongoing.
- Increased Focus on Commercial Real Estate Lending: First Citizens can expand its commercial real estate lending portfolio by targeting small and medium-sized businesses in its region. Offering competitive financing options for commercial properties, construction projects, and equipment purchases can drive revenue growth. The commercial real estate market is expected to rebound in the coming years, presenting opportunities for regional banks. Timeline: Ongoing.
- Enhancement of Wealth Management Services: First Citizens can grow its wealth management business by offering personalized investment advice, retirement planning, and trust services to high-net-worth individuals. By building strong relationships with clients and providing tailored financial solutions, the bank can attract and retain affluent customers. The wealth management industry is experiencing growth, driven by increasing wealth accumulation and demand for financial planning services. Timeline: Ongoing.
- Strategic Acquisitions and Partnerships: First Citizens can pursue strategic acquisitions and partnerships to expand its geographic reach and service offerings. By acquiring smaller banks or partnering with fintech companies, the bank can gain access to new markets, technologies, and customer segments. The banking industry is consolidating, with larger banks acquiring smaller players to achieve economies of scale and expand their market presence. Timeline: Ongoing.
Opportunities
- Expansion of digital banking services.
- Strategic lending initiatives in the agricultural sector.
- Increased focus on commercial real estate lending.
- Enhancement of wealth management services.
Threats
- Intense competition from larger national banks and credit unions.
- Evolving regulatory landscape and compliance costs.
- Potential economic downturns affecting loan performance.
- Cybersecurity risks and data breaches.
Competitive Advantages
- Long-standing history and established presence in the regional banking sector.
- Strong customer relationships and community focus.
- Diversified portfolio of financial services.
- Experienced management team and conservative risk management practices.
About FIZN
First Citizens Bancshares, Inc. was established in 1889 and operates through its subsidiary, First Citizens National Bank. Headquartered in Dyersburg, Tennessee, the bank provides a comprehensive suite of commercial banking services to individuals and corporate clients across the United States. Its offerings include a variety of deposit accounts such as checking and savings, certificates of deposit, and a wide array of lending options including residential, commercial, and consumer loans. The bank also provides personal and home loans, along with home equity lines of credit. First Citizens National Bank caters to the agricultural sector with specialized agricultural and farm loans. It also provides commercial real estate, construction and facility, equipment financing, residential development and construction, operating loans and lines of credit, and SBA and United States Department of Agriculture (USDA) loans. The bank further supports customers with debit and credit card services, home purchase and refinancing options, and modern banking solutions like mobile, telephone/text, and online banking services. To enhance customer experience, First Citizens offers e-statements, investment, insurance, retirement and benefit services, trust services, overdraft protection, identity theft protection, and treasury services, as well as safe deposit boxes. The bank has evolved over the years to meet the changing needs of its customers, blending traditional banking values with modern technological advancements.
What They Do
- Provides checking and savings deposit accounts.
- Offers residential, commercial, and consumer lending services.
- Provides personal and home loans.
- Offers home equity lines of credit.
- Provides agricultural and farm loans.
- Offers commercial real estate, construction, and equipment financing.
- Provides debit and credit card services.
- Offers mobile, telephone/text, and online banking services.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management and trust services for a fee.
- Offers insurance products and earns commissions.
Industry Context
First Citizens Bancshares, Inc. operates within the regional banking industry, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Regional banks like First Citizens compete with larger national banks, credit unions, and fintech companies offering digital banking solutions. The trend towards digital banking and mobile payments is reshaping the industry, requiring banks to invest in technology and innovation to remain competitive. The regional banking sector is also subject to regulatory oversight, including capital requirements and compliance standards.
Key Customers
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Farmers and agricultural businesses needing financing.
- High-net-worth individuals seeking wealth management services.
Financials
Chart & Info
First Citizens Bancshares, Inc. (FIZN) stock price: Price data unavailable
Latest News
No recent news available for FIZN.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FIZN.
Price Targets
Wall Street price target analysis for FIZN.
MoonshotScore
What does this score mean?
The MoonshotScore rates FIZN's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
FIZN OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Citizens Bancshares Inc (TN) may not meet the minimum financial standards or disclosure requirements of the higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting, making it more difficult for investors to assess their financial health and operational performance compared to companies listed on major exchanges like NYSE or NASDAQ. This tier often includes companies with limited trading volume and higher risks.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Higher potential for fraud and manipulation.
- Lower liquidity and wider bid-ask spreads.
- Greater price volatility.
- Potential for delisting or trading suspensions.
- Verify the company's financial statements and SEC filings (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and legal risks.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC investments.
- Long-standing history in the banking sector (founded in 1889).
- Operation through a regulated subsidiary, First Citizens National Bank.
- Provision of traditional banking services.
- Headquartered in the United States.
What Investors Ask About First Citizens Bancshares, Inc. (FIZN)
What does First Citizens Bancshares Inc (TN) do?
First Citizens Bancshares, Inc., through its subsidiary First Citizens National Bank, offers a comprehensive suite of commercial banking services to individuals and corporate clients in the United States. These services include checking and savings accounts, various lending options such as residential, commercial, and consumer loans, and specialized agricultural financing. The bank also provides modern conveniences like mobile and online banking, along with wealth management, insurance, and trust services, positioning itself as a full-service financial institution catering to a diverse range of customer needs.
What do analysts say about FIZN stock?
As of 2026-03-15, there is no available analyst consensus for FIZN stock. Given its OTC Other listing, the stock may not be actively tracked by major research firms. Investors should conduct their own due diligence and consider factors such as the company's financial performance, industry trends, and risk factors before making any investment decisions. Key valuation metrics like price-to-earnings ratio and price-to-book ratio may not be readily available due to limited financial disclosure.
What are the main risks for FIZN?
Investing in First Citizens Bancshares Inc (TN) carries several risks, including those associated with its OTC Other listing. The limited financial disclosure and lower liquidity on the OTC market can lead to higher price volatility and increased potential for fraud or manipulation. Additionally, the company faces risks related to regulatory compliance, economic downturns affecting loan performance, and competition from larger national banks and fintech companies. Investors should carefully assess these risks before investing.
What are the key factors to evaluate for FIZN?
First Citizens Bancshares, Inc. (FIZN) currently holds an AI score of 56/100, indicating moderate score. Key strength: Established presence in the regional banking sector.. Primary risk to monitor: Potential: Increased competition from larger national banks and fintech companies.. This is not financial advice.
How frequently does FIZN data refresh on this page?
FIZN prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven FIZN's recent stock price performance?
Recent price movement in First Citizens Bancshares, Inc. (FIZN) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Established presence in the regional banking sector.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider FIZN overvalued or undervalued right now?
Determining whether First Citizens Bancshares, Inc. (FIZN) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying FIZN?
Before investing in First Citizens Bancshares, Inc. (FIZN), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for FIZN due to its OTC listing.
- Financial data is based on available information and may not be comprehensive.