Symbols / FCNCA $2045.85 -0.39% First Citizens BancShares, Inc.

Financial Services • Banks - Regional • United States • NMS
FCNCA Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
About

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

Fundamentals
Scroll to Statements
Market Cap 24.21B Enterprise Value 42.41B Income 2.15B Sales 9.04B Book/sh 1718.65 Cash/sh 1790.04
Dividend Yield 41.00% Payout 4.81% Employees 17876 IPO — P/E 12.38 Forward P/E 10.13
PEG 1.20 P/S 2.68 P/B 1.19 P/C — EV/EBITDA — EV/Sales 4.69
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 165.30 EPS next Y 202.04
EPS Growth -6.90% Revenue Growth 6.20% Earnings 2026-04-23 ROA 0.97% ROE 9.92% ROIC —
Gross Margin 0.00% Oper. Margin 37.58% Profit Margin 24.41% Shs Outstand 10.83M Shs Float 8.47M Short Float 6.19%
Short Ratio 5.24 Short Interest — 52W High 2232.21 52W Low 1623.76 Beta 0.65 Avg Volume 100.62K
Volume 84.18K Target Price $2226.67 Recom Hold Prev Close $2053.90 Price $2045.85 Change -0.39%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$2226.67
Mean price target
2. Current target
$2045.85
Latest analyst target
3. DCF / Fair value
$2479.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$2045.85
Low
$2000.00
High
$2500.00
Mean
$2226.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 main Keefe, Bruyette & Woods Outperform → Outperform $2300
2026-04-01 down JP Morgan Overweight → Neutral $2200
2026-01-29 main Piper Sandler Neutral → Neutral $2100
2026-01-27 main Truist Securities Hold → Hold $2150
2026-01-26 main TD Cowen Buy → Buy $2500
2026-01-26 main Citigroup Neutral → Neutral $2100
2026-01-26 main Barclays Equal-Weight → Equal-Weight $2346
2026-01-05 main Barclays Equal-Weight → Equal-Weight $2456
2025-12-30 main Citigroup Neutral → Neutral $2250
2025-12-16 main JP Morgan Overweight → Overweight $2500
2025-11-05 main UBS Buy → Buy $2250
2025-10-28 main Truist Securities Hold → Hold $2050
2025-10-27 main Citigroup Neutral → Neutral $2000
2025-10-24 main Keefe, Bruyette & Woods Outperform → Outperform $2050
2025-10-24 main Piper Sandler Neutral → Neutral $2000
2025-10-24 main Barclays Equal-Weight → Equal-Weight $2190
2025-10-06 main Goldman Sachs Buy → Buy $1950
2025-10-03 main Truist Securities Hold → Hold $2000
2025-07-28 down Piper Sandler Overweight → Neutral $2150
2025-07-02 main Citigroup Neutral → Neutral $2050
News
RSS: Latest FCNCA news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-17 BRYANT HOPE HOLDING Officer and Director — 357 $0.00 $0
2026-03-13 ALEMANY ELLEN R Director — 310 $0.00 $0
2026-03-05 SNOW RALPH MATTOX III Director — 11 $1,944.22 $21,386
2026-03-03 HOLDING FRANK BROWN JR. Chief Executive Officer — 360 $0.00 $0
2026-03-02 HOLDING OLIVIA BRITTON Beneficial Owner of more than 10% of a Class of Security — 130 $0.00 $0
2026-01-12 BRICE CARSON HOLDING Beneficial Owner of more than 10% of a Class of Security — 335 $0.00 $0
2025-12-22 BRYANT HOPE HOLDING Officer and Director — 29,524 $0.00 $0
2025-12-17 HOLDING OLIVIA BRITTON Beneficial Owner of more than 10% of a Class of Security — 6 $0.00 $0
2025-11-21 BRISTOW PETER M President — 120 $0.00 $0
2025-11-21 BRISTOW CLAIRE HOLDING Beneficial Owner of more than 10% of a Class of Security — 120 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
9,252.00
-2.61%
9,500.00
+8.52%
8,754.00
+93.42%
4,526.00
Operating Revenue
9,252.00
-2.61%
9,500.00
+8.52%
8,754.00
+93.42%
4,526.00
Selling General And Administration
3,821.00
+8.83%
3,511.00
+12.60%
3,118.00
+85.48%
1,681.00
Selling And Marketing Expense
142.00
+86.84%
76.00
-25.49%
102.00
+92.45%
53.00
General And Administrative Expense
3,679.00
+7.10%
3,435.00
+13.89%
3,016.00
+85.26%
1,628.00
Salaries And Wages
3,294.00
+7.02%
3,078.00
+16.77%
2,636.00
+87.22%
1,408.00
Other Gand A
—
—
—
—
Reconciled Depreciation
405.00
+211.54%
130.00
+328.07%
-57.00
-110.69%
533.00
Total Unusual Items
-120.00
+34.07%
-182.00
-101.94%
9,358.00
+4115.32%
222.00
Total Unusual Items Excluding Goodwill
-120.00
+34.07%
-182.00
-101.94%
9,358.00
+4115.32%
222.00
Special Income Charges
-120.00
+34.07%
-182.00
-101.94%
9,358.00
+4115.32%
222.00
Other Special Charges
-30.00
+0.00%
-30.00
-50.00%
-20.00
-33.33%
-15.00
Restructuring And Mergern Acquisition
141.00
-32.86%
210.00
+102.25%
-9,338.00
-4569.00%
-200.00
Net Income
2,206.00
-20.56%
2,777.00
-75.78%
11,466.00
+944.26%
1,098.00
Pretax Income
2,971.00
-17.29%
3,592.00
-70.26%
12,077.00
+786.71%
1,362.00
Net Interest Income
6,814.00
-4.61%
7,143.00
+6.42%
6,712.00
+127.83%
2,946.00
Interest Expense
4,964.00
-4.72%
5,210.00
+41.61%
3,679.00
+687.79%
467.00
Interest Income
11,778.00
-4.65%
12,353.00
+18.88%
10,391.00
+204.45%
3,413.00
Gain On Sale Of Security
25.00
+31.58%
19.00
+151.35%
-37.00
-1133.33%
-3.00
Tax Provision
765.00
-6.13%
815.00
+33.39%
611.00
+131.44%
264.00
Tax Rate For Calcs
0.00
+13.22%
0.00
+345.10%
0.00
-73.71%
0.00
Tax Effect Of Unusual Items
-30.84
+25.35%
-41.31
-108.66%
477.26
+1008.15%
43.07
Net Income Including Noncontrolling Interests
2,206.00
-20.56%
2,777.00
-75.78%
11,466.00
+944.26%
1,098.00
Net Income From Continuing Operation Net Minority Interest
2,206.00
-20.56%
2,777.00
-75.78%
11,466.00
+944.26%
1,098.00
Net Income From Continuing And Discontinued Operation
2,206.00
-20.56%
2,777.00
-75.78%
11,466.00
+944.26%
1,098.00
Net Income Continuous Operations
2,206.00
-20.56%
2,777.00
-75.78%
11,466.00
+944.26%
1,098.00
Normalized Income
2,295.16
-21.34%
2,917.69
+12.86%
2,585.26
+181.29%
919.07
Net Income Common Stockholders
2,149.00
-20.88%
2,716.00
-76.19%
11,407.00
+988.45%
1,048.00
Diluted EPS
165.24
-12.76%
189.41
-75.86%
784.51
+1063.96%
67.40
Basic EPS
165.24
-12.77%
189.42
-75.87%
785.14
+1063.69%
67.47
Basic Average Shares
13.00
-9.34%
14.34
-1.28%
14.53
-6.46%
15.53
Diluted Average Shares
13.00
-9.34%
14.34
-1.35%
14.54
-6.50%
15.55
Diluted NI Availto Com Stockholders
2,149.00
-20.88%
2,716.00
-76.19%
11,407.00
+988.45%
1,048.00
Amortization
54.00
-14.29%
63.00
+10.53%
57.00
+147.83%
23.00
Amortization Of Intangibles Income Statement
54.00
-14.29%
63.00
+10.53%
57.00
+147.83%
23.00
Depreciation Amortization Depletion Income Statement
452.00
-1.09%
457.00
+6.78%
428.00
+16.30%
368.00
Depreciation And Amortization In Income Statement
452.00
-1.09%
457.00
+6.78%
428.00
+16.30%
368.00
Depreciation Income Statement
398.00
+1.02%
394.00
+6.20%
371.00
+7.54%
345.00
Insurance And Claims
141.00
+2.17%
138.00
-12.66%
158.00
+409.68%
31.00
Occupancy And Equipment
793.00
+6.30%
746.00
+12.01%
666.00
+63.64%
407.00
Other Non Interest Expense
466.00
+1.30%
460.00
+22.02%
377.00
+57.08%
240.00
Preferred Stock Dividends
57.00
-6.56%
61.00
+3.39%
59.00
+18.00%
50.00
Professional Expense And Contract Services Expense
115.00
-4.96%
121.00
+70.42%
71.00
+57.78%
45.00
Rent And Landing Fees
244.00
+11.42%
219.00
-1.35%
222.00
+17.46%
189.00
Rent Expense Supplemental
244.00
+11.42%
219.00
-1.35%
222.00
+17.46%
189.00
Line Item Trend 2023-12-31
Total Assets
213,758.00
Cash And Cash Equivalents
34,517.00
Cash Financial
908.00
Other Short Term Investments
19,936.00
Receivables
3,209.00
Accounts Receivable
832.00
Other Receivables
2,377.00
Prepaid Assets
—
Net PPE
10,977.00
Gross PPE
12,372.00
Accumulated Depreciation
-1,395.00
Land And Improvements
403.00
Buildings And Improvements
1,609.00
Machinery Furniture Equipment
1,260.00
Other Properties
9,100.00
Goodwill And Other Intangible Assets
683.00
Goodwill
346.00
Other Intangible Assets
337.00
Investments And Advances
32,154.00
Total Liabilities Net Minority Interest
192,503.00
Payables And Accrued Expenses
137.00
Payables
137.00
Accounts Payable
137.00
Current Accrued Expenses
397.00
Employee Benefits
924.00
Total Tax Payable
—
Income Tax Payable
—
Current Debt And Capital Lease Obligation
0.00
Current Debt
0.00
Other Current Borrowings
0.00
Long Term Debt And Capital Lease Obligation
37,565.00
Long Term Debt
37,161.00
Long Term Capital Lease Obligation
404.00
Long Term Provisions
316.00
Defined Pension Benefit
568.00
Non Current Pension And Other Postretirement Benefit Plans
924.00
Non Current Deferred Liabilities
3,579.00
Non Current Deferred Taxes Liabilities
3,579.00
Stockholders Equity
21,255.00
Common Stock Equity
20,374.00
Capital Stock
896.00
Common Stock
15.00
Preferred Stock
881.00
Share Issued
14.52
Ordinary Shares Number
14.52
Treasury Shares Number
0.00
Additional Paid In Capital
4,108.00
Retained Earnings
16,742.00
Gains Losses Not Affecting Retained Earnings
-491.00
Other Equity Adjustments
-491.00
Total Equity Gross Minority Interest
21,255.00
Total Capitalization
58,416.00
Invested Capital
57,535.00
Total Debt
37,565.00
Net Debt
2,644.00
Capital Lease Obligations
404.00
Net Tangible Assets
20,572.00
Tangible Book Value
19,691.00
Available For Sale Securities
2,239.00
Cash Cash Equivalents And Federal Funds Sold
34,990.00
Derivative Product Liabilities
636.00
Held To Maturity Securities
9,979.00
Preferred Shares Number
8.35
Preferred Stock Equity
881.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
2,923.00
-2.18%
2,988.00
+12.33%
2,660.00
-4.69%
2,791.00
Cash Flow From Continuing Operating Activities
2,923.00
-2.18%
2,988.00
+12.33%
2,660.00
-4.69%
2,791.00
Net Income From Continuing Operations
2,206.00
-20.56%
2,777.00
-75.78%
11,466.00
+944.26%
1,098.00
Depreciation Amortization Depletion
405.00
+211.54%
130.00
+328.07%
-57.00
-110.69%
533.00
Depreciation
—
—
-57.00
-110.69%
533.00
Amortization Cash Flow
—
—
—
—
Depreciation And Amortization
405.00
+211.54%
130.00
+328.07%
-57.00
-110.69%
533.00
Amortization Of Intangibles
—
—
—
—
Other Non Cash Items
84.00
-60.38%
212.00
+102.15%
-9,876.00
-2344.55%
-404.00
Stock Based Compensation
0.00
0.00
-100.00%
5.00
-73.68%
19.00
Asset Impairment Charge
6.00
-72.73%
22.00
-68.57%
70.00
0.00
Deferred Tax
-111.00
-1950.00%
6.00
+103.64%
-165.00
-180.10%
206.00
Deferred Income Tax
-111.00
-1950.00%
6.00
+103.64%
-165.00
-180.10%
206.00
Operating Gains Losses
-47.00
+2.08%
-48.00
-1300.00%
4.00
+107.55%
-53.00
Gain Loss On Investment Securities
-3.00
+50.00%
-6.00
-123.08%
26.00
0.00
Unrealized Gain Loss On Investment Securities
-22.00
-69.23%
-13.00
-218.18%
11.00
+266.67%
3.00
Gain Loss On Sale Of PPE
-32.00
+13.51%
-37.00
-54.17%
-24.00
+0.00%
-24.00
Change In Working Capital
-112.00
+78.83%
-529.00
-205.78%
-173.00
-123.25%
744.00
Change In Receivables
—
—
—
—
Change In Prepaid Assets
—
—
—
—
Change In Payables And Accrued Expense
—
—
—
—
Change In Payable
—
—
—
—
Change In Account Payable
—
—
—
—
Change In Other Current Assets
-282.00
+43.03%
-495.00
-340.29%
206.00
-57.44%
484.00
Change In Other Current Liabilities
170.00
+600.00%
-34.00
+91.03%
-379.00
-245.77%
260.00
Investing Cash Flow
-5,611.00
+44.75%
-10,155.00
-518.07%
2,429.00
+3138.67%
75.00
Cash Flow From Continuing Investing Activities
-5,611.00
+44.75%
-10,155.00
-518.07%
2,429.00
+3138.67%
75.00
Net PPE Purchase And Sale
-1,277.00
+0.62%
-1,285.00
-8.44%
-1,185.00
-44.87%
-818.00
Purchase Of PPE
-1,562.00
-1.76%
-1,535.00
-7.49%
-1,428.00
-54.21%
-926.00
Sale Of PPE
285.00
+14.00%
250.00
+2.88%
243.00
+125.00%
108.00
Capital Expenditure
-1,562.00
-1.76%
-1,535.00
-7.49%
-1,428.00
-54.21%
-926.00
Net Investment Purchase And Sale
3,454.00
+125.08%
-13,773.00
-38.73%
-9,928.00
-1390.69%
-666.00
Purchase Of Investment
-14,363.00
+38.32%
-23,288.00
-78.42%
-13,052.00
-376.35%
-2,740.00
Sale Of Investment
17,817.00
+87.25%
9,515.00
+204.58%
3,124.00
+50.63%
2,074.00
Net Business Purchase And Sale
0.00
0.00
-100.00%
810.00
+504.48%
134.00
Purchase Of Business
—
0.00
—
—
Net Other Investing Changes
-565.00
-7.21%
-527.00
-137.24%
1,415.00
+124.46%
-5,785.00
Financing Cash Flow
2,675.00
-62.18%
7,073.00
+250.52%
-4,699.00
-74.94%
-2,686.00
Cash Flow From Continuing Financing Activities
2,675.00
-62.18%
7,073.00
+250.52%
-4,699.00
-74.94%
-2,686.00
Net Issuance Payments Of Debt
-1,012.00
-124.89%
-450.00
+90.78%
-4,879.00
-1066.14%
505.00
Issuance Of Debt
1,838.00
0.00
-100.00%
10,491.00
+50.75%
6,959.00
Repayment Of Debt
-2,850.00
-533.33%
-450.00
+97.07%
-15,370.00
-138.15%
-6,454.00
Long Term Debt Issuance
1,838.00
0.00
-100.00%
9,991.00
+159.24%
3,854.00
Long Term Debt Payments
-2,850.00
-533.33%
-450.00
+96.57%
-13,120.00
-157.31%
-5,099.00
Net Long Term Debt Issuance
-1,012.00
-124.89%
-450.00
+85.62%
-3,129.00
-151.33%
-1,245.00
Short Term Debt Issuance
0.00
0.00
-100.00%
500.00
-83.90%
3,105.00
Short Term Debt Payments
0.00
0.00
+100.00%
-2,250.00
-66.05%
-1,355.00
Net Short Term Debt Issuance
0.00
0.00
+100.00%
-1,750.00
-200.00%
1,750.00
Net Common Stock Issuance
-3,027.00
-83.68%
-1,648.00
0.00
+100.00%
-1,240.00
Common Stock Payments
-3,027.00
-83.68%
-1,648.00
0.00
+100.00%
-1,240.00
Cash Dividends Paid
-161.00
-1.90%
-158.00
-35.04%
-117.00
-40.96%
-83.00
Repurchase Of Capital Stock
-3,027.00
-83.68%
-1,648.00
0.00
+100.00%
-1,240.00
Net Other Financing Charges
—
-14.00
-100.00%
-7.00
+70.83%
-24.00
Changes In Cash
-13.00
+86.17%
-94.00
-124.10%
390.00
+116.67%
180.00
Beginning Cash Position
814.00
-10.35%
908.00
+75.29%
518.00
+53.25%
338.00
End Cash Position
801.00
-1.60%
814.00
-10.35%
908.00
+75.29%
518.00
Free Cash Flow
1,361.00
-6.33%
1,453.00
+17.94%
1,232.00
-33.94%
1,865.00
Interest Paid Supplemental Data
4,810.00
-5.30%
5,079.00
+37.79%
3,686.00
+602.10%
525.00
Income Tax Paid Supplemental Data
315.00
-58.72%
763.00
+48.44%
514.00
—
Issuance Of Capital Stock
494.00
0.00
0.00
0.00
Net Preferred Stock Issuance
494.00
0.00
0.00
0.00
Preferred Stock Issuance
494.00
0.00
0.00
0.00
Sale Of Business
0.00
0.00
-100.00%
810.00
+504.48%
134.00
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Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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