First Citrus Bancorporation, Inc. (FCIT) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Citrus Bancorporation, Inc. (FCIT) trades at $47.81. First Citrus Bancorporation, Inc. operates as a commercial bank, providing tailored financial solutions to businesses and individuals in the Tampa Bay area. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for FCIT: FCIT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FCIT against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on FCIT.
How is this calculated? →First Citrus Bancorporation, Inc. (FCIT) Financial Services Profile
First Citrus Bancorporation, Inc., a $670 million commercial bank based in Tampa, offers specialized financial solutions to businesses and individuals. With a focus on community banking and SBA lending, the company operates six locations in the Tampa Bay area, emphasizing personalized service and local economic development.
What Is the Investment Thesis for FCIT?
First Citrus Bancorporation presents a community banking model focused on the Tampa Bay area. Key value drivers include its strong local presence, SBA lending expertise, and tailored financial solutions for businesses. Growth catalysts involve expanding its commercial loan portfolio and increasing market share within the competitive Tampa Bay banking sector. Potential risks include interest rate sensitivity, regulatory compliance costs, and competition from larger regional and national banks. Investors should monitor the bank's asset quality, net interest margin, and efficiency ratio to assess its financial performance and growth potential. The company's focus on community development and personalized service may provide a competitive advantage in attracting and retaining customers.
Based on FMP financials and quantitative analysis
FCIT Key Highlights
First Citrus Bank has $670 million in assets, reflecting its scale as a community bank.
- The bank was recognized as a Top 100 Community Bank by American Banker in 2021, indicating strong performance metrics.
- First Citrus Bank was named a Top 5 SBA Lender in Tampa Bay for 2020 by the SBA, showcasing its expertise in government-backed lending.
- The company operates six locations throughout Tampa Bay, providing convenient access for its customer base.
- First Citrus Bank was selected as the Tampa Bay Chamber of Commerce 2019 Small Business of the Year, highlighting its community involvement and support for local businesses.
Who Are FCIT's Competitors?
FCIT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BHWB Blackhawk Bancorp, Inc. | $33.35 | -0.45% | $96.6M | 49 |
| CBOBA Bay Community Bancorp | $13.95 | +1.45% | $119M | 45 |
| CNUN Community Bancshares, Inc. | $75.00 | +0.00% | $98.1M | 46 |
| DOVXF doValue S.p.A. | $6.25 | +0.00% | $96.5M | 50 |
| FDLB Fidelity Federal Bancorp | $95.00 | +0.00% | $92.5M | 46 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FCIT's Key Strengths?
Strong local presence in the Tampa Bay area.
- Expertise in SBA lending.
- Personalized customer service.
- Recognition as a Top 100 Community Bank.
What Are FCIT's Weaknesses?
Limited geographic diversification.
- Smaller asset base compared to larger regional banks.
- Reliance on traditional banking services.
What Could Drive FCIT Stock Higher?
Expansion of commercial lending portfolio targeting small to medium-sized businesses in Tampa Bay.
- Implementation of digital banking enhancements to attract tech-savvy customers.
- Potential strategic partnerships with local businesses and community organizations within the next 1-2 years.
- Possible expansion into wealth management services within the next 2-3 years.
- Continued focus on personalized customer service and community involvement to enhance brand reputation.
What Are the Key Risks for FCIT?
Increased competition from larger regional and national banks in the Tampa Bay area.
- Sensitivity to interest rate fluctuations, which can impact net interest margin.
- Regulatory compliance costs and potential changes in banking regulations.
- Economic downturn in the Tampa Bay area, which could impact loan quality and demand.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for FCIT?
- Expansion of Commercial Lending Portfolio: First Citrus Bank can grow by expanding its commercial lending portfolio, targeting small to medium-sized businesses in the Tampa Bay area. The market for commercial loans in Florida is substantial, with ongoing demand from businesses seeking capital for expansion and operations. By leveraging its local market knowledge and SBA lending expertise, First Citrus can attract new customers and increase its loan volume. This growth opportunity can be realized within the next 3-5 years, contributing to increased revenue and profitability.
- Increased Market Share in Tampa Bay: First Citrus Bank can increase its market share in the competitive Tampa Bay banking sector by focusing on customer acquisition and retention. The bank can differentiate itself through personalized service, community involvement, and tailored financial solutions. By expanding its branch network and enhancing its digital banking capabilities, First Citrus can reach a broader customer base and capture a larger share of the local market. This strategy can yield significant growth within the next 2-4 years.
- Digital Banking Enhancements: Investing in digital banking enhancements represents a significant growth opportunity. By improving its online and mobile banking platforms, First Citrus can attract tech-savvy customers and streamline its operations. The market for digital banking services is growing rapidly, with increasing demand for convenient and accessible financial solutions. By offering features such as mobile check deposit, online bill pay, and real-time account access, First Citrus can enhance customer satisfaction and loyalty. This initiative can drive growth within the next 1-2 years.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can drive growth for First Citrus Bank. By collaborating with real estate developers, chambers of commerce, and non-profit organizations, the bank can expand its reach and build brand awareness. These partnerships can generate new business opportunities and strengthen First Citrus's position as a community-focused bank. The benefits of strategic partnerships can be realized within the next 2-3 years.
- Wealth Management Services: Expanding into wealth management services presents a growth opportunity for First Citrus Bank to diversify its revenue streams and cater to the needs of high-net-worth individuals in the Tampa Bay area. By offering financial planning, investment management, and trust services, the bank can attract new customers and deepen its relationships with existing clients. The wealth management market is growing, driven by demographic trends and increasing affluence. This expansion can contribute to long-term growth and profitability within the next 3-5 years.
What Are FCIT's Competitive Advantages?
- Strong local presence and community relationships in the Tampa Bay area.
- Expertise in SBA lending.
- Personalized customer service.
- Established reputation as a community-focused bank.
What Does FCIT Do?
Established in 1999 and headquartered in Tampa, Florida, First Citrus Bancorporation, Inc. operates through its subsidiary, First Citrus Bank, as a commercial bank providing a range of financial services. With total assets of $670 million, the bank focuses on serving small to medium-sized businesses and individuals within the Tampa Bay region. First Citrus Bank offers personal banking services including checking and savings accounts, mortgages, and personal loans. For businesses, it provides commercial lending, treasury management, and SBA loan programs. The bank has been recognized as a Top 100 Community Bank by American Banker in 2021 and a Top 5 SBA Lender in Tampa Bay for 2020 by the SBA. It operates six full-service banking offices strategically located throughout Tampa Bay, emphasizing local market knowledge and personalized customer service. First Citrus Bank aims to enhance the financial well-being of families and the economic success of businesses in its community.
What Products and Services Does FCIT Offer?
- Provides personal banking services including checking and savings accounts.
- Offers mortgage and personal loan products.
- Specializes in commercial lending for small to medium-sized businesses.
- Provides treasury management services.
- Offers SBA loan programs.
- Operates six full-service banking offices throughout Tampa Bay.
How Does FCIT Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services such as account maintenance and transaction processing.
- Manages assets and liabilities to optimize net interest margin.
What Industry Does FCIT Operate In?
First Citrus Bancorporation operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Community banks like First Citrus face competition from larger national and regional banks, as well as fintech companies offering alternative financial solutions. The Tampa Bay area represents a growing market with opportunities for banks that can provide personalized service and tailored financial products. The regional banking sector is also subject to regulatory oversight and interest rate fluctuations, which can impact profitability and growth.
Who Are FCIT's Key Customers?
- Small to medium-sized businesses in the Tampa Bay area.
- Individuals seeking personal banking services.
- Entrepreneurs and startups requiring SBA loans.
- High-net-worth individuals seeking wealth management services.
Company Profile
First Citrus Bancorporation, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tampa, US. The company is led by CEO John M. Barrett. FCIT has traded publicly since 2016.
FCIT Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence in the Tampa Bay area.
- Expertise in SBA lending.
- Personalized customer service.
- Recognition as a Top 100 Community Bank.
Bear Case
- Limited geographic diversification.
- Smaller asset base compared to larger regional banks.
- Reliance on traditional banking services.
- Potential: Increased competition from larger regional and national banks in the Tampa Bay area.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
FCIT Latest News
No recent news available for FCIT.
FCIT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FCIT.
Price Targets
Wall Street price target analysis for FCIT.
FCIT MoonshotScore
What does this score mean?
The MoonshotScore rates FCIT 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: John M. Barrett
CEO
John M. Barrett serves as the CEO of First Citrus Bancorporation, Inc. His career spans several decades in the banking industry, with a focus on community banking and commercial lending. He has held various leadership positions in financial institutions throughout Florida. Barrett's expertise includes strategic planning, risk management, and business development. He is actively involved in community organizations and serves on the boards of several local non-profits. His leadership emphasizes customer service, employee engagement, and sustainable growth.
Track Record: Under John M. Barrett's leadership, First Citrus Bank has achieved significant milestones, including recognition as a Top 100 Community Bank and a Top 5 SBA Lender. He has overseen the expansion of the bank's branch network and the implementation of digital banking initiatives. Barrett has also guided the bank through periods of economic uncertainty, maintaining asset quality and profitability. His strategic decisions have contributed to the bank's growth and stability.
FCIT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Citrus Bancorporation may not meet the minimum financial standards or reporting requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same level of regulatory scrutiny as exchange-listed companies. Investing in OTC Other stocks carries higher risks due to the potential for limited information and liquidity. This tier is often populated by shell companies, bankrupt entities, or companies with questionable business practices.
- OTC Tier: OTC Other
- Limited financial disclosure due to the OTC Other tier status.
- Higher price volatility due to low trading volume.
- Potential for limited liquidity and difficulty in executing trades.
- Increased risk of fraud or manipulation.
- Lack of regulatory oversight compared to exchange-listed companies.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Review the company's legal and regulatory compliance.
- Monitor trading volume and price activity for signs of manipulation.
- Consult with a qualified financial advisor before investing.
- Established history of operations since 1999.
- Recognition as a Top 100 Community Bank and Top 5 SBA Lender.
- Presence of six physical branch locations in the Tampa Bay area.
- Active involvement in community organizations.
- Leadership team with experience in the banking industry.
FCIT Financial Services Stock FAQ
What does First Citrus Bancorporation, Inc. do?
First Citrus Bancorporation, Inc., through its subsidiary First Citrus Bank, operates as a community-focused commercial bank. It provides a range of financial services to individuals and businesses in the Tampa Bay area. These services include personal banking solutions like checking and savings accounts, mortgages, and personal loans, as well as commercial lending, treasury management, and SBA loan programs for businesses.
What do analysts say about FCIT stock?
As a thinly traded OTC stock, formal analyst coverage of FCIT is likely limited. Investors should rely on their own due diligence and assess the company's financial performance, growth prospects, and risk factors. Key metrics to consider include asset quality, net interest margin, efficiency ratio, and loan growth.
What are the main risks for FCIT?
First Citrus Bancorporation faces several risks inherent to the banking industry and its OTC market listing. These include interest rate risk, which can impact its net interest margin, credit risk associated with its loan portfolio, and regulatory compliance risk. Competition from larger regional and national banks in the Tampa Bay area also poses a threat.
What are the key factors to evaluate for FCIT?
Evaluate FCIT on fundamentals, analyst consensus, and risk factors. First Citrus Bancorporation presents a community banking model focused on the Tampa Bay area. Not financial advice.
How frequently does FCIT data refresh on this page?
FCIT's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FCIT's recent stock price performance?
First Citrus Bancorporation, Inc. (FCIT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Tampa Bay area. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FCIT overvalued or undervalued right now?
First Citrus Bancorporation, Inc. (FCIT) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FCIT before investing?
Before investing in First Citrus Bancorporation, Inc. (FCIT), 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) analyst consensus ratings and 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.
- Information is based on publicly available sources and may be subject to change.
- OTC market data may be limited or unreliable.
- AI analysis is pending for FCIT.