(FCNCA) First Citizens BancShares - Overview
Stock: Deposits, Loans, Leasing, Wealth, Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.42% |
| Yield on Cost 5y | 1.49% |
| Yield CAGR 5y | 43.40% |
| Payout Consistency | 97.6% |
| Payout Ratio | 4.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.2% |
| Relative Tail Risk | -5.34% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.00 |
| Alpha | -17.51 |
| Character TTM | |
|---|---|
| Beta | 1.150 |
| Beta Downside | 1.493 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.17% |
| CAGR/Max DD | 1.24 |
Description: FCNCA First Citizens BancShares December 19, 2025
First Citizens BancShares, Inc. (NASDAQ: FCNCA) is the holding company for First-Citizens Bank & Trust, delivering a full suite of retail and commercial banking services across the United States and select international markets. The firm operates through four segments-General Bank, Commercial Bank, Silicon Valley Bank (SVB) Commercial, and Rail-offering deposit products (checking, savings, money-market, time deposits), a broad loan portfolio (commercial construction, C&I, SBA, commercial mortgages, consumer auto and residential loans), and ancillary financial services such as wealth management, leasing, capital markets, and rail-car financing. Its distribution channels include both physical branches and digital platforms.
Key recent metrics indicate a net interest margin (NIM) of roughly 3.2% in Q3 2024, reflecting the benefit of a higher-for-longer rate environment for regional banks. The loan-to-deposit ratio sits near 78%, suggesting a balanced asset-liability mix, while the acquisition of SVB’s commercial assets in early 2024 added approximately $12 billion in deposits and expanded exposure to technology-focused borrowers. Sector-wide, regional banks are currently sensitive to Fed policy swings and credit-quality trends in commercial real-estate, which could influence FCNCA’s earnings volatility.
For a deeper, data-driven look at FCNCA’s valuation and risk profile, the ValueRay platform provides a concise, analytics-focused overview.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 2.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.32 > 1.0 |
| NWC/Revenue: 34.85% < 20% (prev -646.1%; Δ 681.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 2.99b > Net Income 2.21b |
| Net Debt (15.41b) to EBITDA (3.40b): 4.53 < 3 |
| Current Ratio: 1.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (12.4m) vs 12m ago -11.24% < -2% |
| Gross Margin: 61.44% > 18% (prev 0.62%; Δ 6082 % > 0.5%) |
| Asset Turnover: 6.39% > 50% (prev 6.65%; Δ -0.26% > 0%) |
| Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 3.40b / Interest Expense TTM 4.96b) |
Altman Z'' 0.63
| A: 0.02 (Total Current Assets 168.00b - Total Current Liabilities 162.95b) / Total Assets 229.70b |
| B: 0.09 (Retained Earnings 20.77b / Total Assets 229.70b) |
| C: 0.01 (EBIT TTM 2.97b / Avg Total Assets 226.71b) |
| D: 0.10 (Book Value of Equity 20.86b / Total Liabilities 207.46b) |
| Altman-Z'' Score: 0.63 = B |
Beneish M 1.00
| DSRI: 43.05 (Receivables 146.36b/3.49b, Revenue 14.50b/14.88b) |
| GMI: 1.01 (GM 61.44% / 62.10%) |
| AQI: 0.32 (AQ_t 0.22 / AQ_t-1 0.68) |
| SGI: 0.97 (Revenue 14.50b / 14.88b) |
| TATA: -0.00 (NI 2.21b - CFO 2.99b) / TA 229.70b) |
| Beneish M-Score: 31.17 (Cap -4..+1) = D |
What is the price of FCNCA shares?
Over the past week, the price has changed by +3.03%, over one month by -0.77%, over three months by +19.23% and over the past year by +0.71%.
Is FCNCA a buy, sell or hold?
- StrongBuy: 4
- Buy: 5
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FCNCA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 2275.8 | 5.3% |
| Analysts Target Price | 2275.8 | 5.3% |
| ValueRay Target Price | 2800.2 | 29.6% |
FCNCA Fundamental Data Overview February 09, 2026
P/E Forward = 11.6279
P/S = 2.9307
P/B = 1.2574
P/EG = 1.7356
Revenue TTM = 14.50b USD
EBIT TTM = 2.97b USD
EBITDA TTM = 3.40b USD
Long Term Debt = 38.19b USD (from longTermDebt, two quarters ago)
Short Term Debt = 224.0m USD (from shortTermDebt, last quarter)
Debt = 36.01b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 15.41b USD (from netDebt column, last quarter)
Enterprise Value = 41.66b USD (26.48b + Debt 36.01b - CCE 20.83b)
Interest Coverage Ratio = 0.60 (Ebit TTM 2.97b / Interest Expense TTM 4.96b)
EV/FCF = 20.53x (Enterprise Value 41.66b / FCF TTM 2.03b)
FCF Yield = 4.87% (FCF TTM 2.03b / Enterprise Value 41.66b)
FCF Margin = 14.00% (FCF TTM 2.03b / Revenue TTM 14.50b)
Net Margin = 15.22% (Net Income TTM 2.21b / Revenue TTM 14.50b)
Gross Margin = 61.44% ((Revenue TTM 14.50b - Cost of Revenue TTM 5.59b) / Revenue TTM)
Gross Margin QoQ = 62.13% (prev 60.61%)
Tobins Q-Ratio = 0.18 (Enterprise Value 41.66b / Total Assets 229.70b)
Interest Expense / Debt = 3.38% (Interest Expense 1.22b / Debt 36.01b)
Taxrate = 28.48% (231.0m / 811.0m)
NOPAT = 2.12b (EBIT 2.97b * (1 - 28.48%))
Current Ratio = 1.03 (Total Current Assets 168.00b / Total Current Liabilities 162.95b)
Debt / Equity = 1.62 (Debt 36.01b / totalStockholderEquity, last quarter 22.24b)
Debt / EBITDA = 4.53 (Net Debt 15.41b / EBITDA 3.40b)
Debt / FCF = 7.59 (Net Debt 15.41b / FCF TTM 2.03b)
Total Stockholder Equity = 22.20b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 2.21b / Total Assets 229.70b)
RoE = 9.94% (Net Income TTM 2.21b / Total Stockholder Equity 22.20b)
RoCE = 4.92% (EBIT 2.97b / Capital Employed (Equity 22.20b + L.T.Debt 38.19b))
RoIC = 3.59% (NOPAT 2.12b / Invested Capital 59.21b)
WACC = 5.70% (E(26.48b)/V(62.49b) * Re(10.15%) + D(36.01b)/V(62.49b) * Rd(3.38%) * (1-Tc(0.28)))
Discount Rate = 10.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.79%
[DCF Debug] Terminal Value 85.69% ; FCFF base≈1.72b ; Y1≈1.62b ; Y5≈1.51b
Fair Price DCF = 2694 (EV 45.40b - Net Debt 15.41b = Equity 30.00b / Shares 11.1m; r=5.90% [WACC]; 5y FCF grow -7.76% → 2.90% )
EPS Correlation: 32.87 | EPS CAGR: 30.40% | SUE: 1.73 | # QB: 1
Revenue Correlation: 82.30 | Revenue CAGR: 37.98% | SUE: 3.23 | # QB: 2
EPS next Quarter (2026-03-31): EPS=39.29 | Chg30d=-2.452 | Revisions Net=-9 | Analysts=11
EPS current Year (2026-12-31): EPS=177.42 | Chg30d=-8.074 | Revisions Net=-8 | Growth EPS=-0.3% | Growth Revenue=+0.4%
EPS next Year (2027-12-31): EPS=201.39 | Chg30d=-8.201 | Revisions Net=-8 | Growth EPS=+13.5% | Growth Revenue=+4.5%