FCNCA Stock Analysis: First Citizens BancShares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 24.136m USD | 12M Return: 1.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 181M
EPS Trend: 42.3%
Qual. Beats: 2
Rev. Trend: 69.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Citizens BancShares, Inc. (NASDAQ: FCNCA) is the holding company for First-Citizens Bank & Trust Company, a U.S. regional bank founded in 1898 and headquartered in Raleigh, North Carolina. The company operates through three business segments: General Bank, which offers retail and commercial banking products including deposits, mortgages, brokerage, wealth management, and community association banking; Commercial Bank, which provides leasing, capital markets, asset management, factoring, and supply chain financing; and Rail, a niche leasing business that finances railcars and locomotives for railroads and shippers across multiple car types.
As a large-cap regional bank, FCNCA combines a traditional community-banking model with specialized commercial and equipment-leasing operations, a structure that distinguishes it from peers more narrowly focused on deposit-taking and lending. The bank holding company structure, common in the U.S. financial sector, allows First Citizens to operate its banking, advisory, and rail financing businesses under a single regulated entity.
- Net interest margin compression pressures profitability as deposit costs rise
- Silicon Valley Bridge Bank integration drives balance sheet growth and credit cost scrutiny
- Rail leasing segment faces headwinds from softening shipper demand
| Net Income: 2.26b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.46 > 1.0 |
| NWC/Revenue: -1.01k% < 20% (prev -807.4%; Δ -206.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.00b > Net Income 2.26b |
| Net Debt (9.73b) to EBITDA (3.47b): 2.80 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.9m) vs 12m ago -12.16% < -2% |
| Gross Margin: 62.84% > 18% (prev 61.26%; Δ 1.58% > 0.5%) |
| Asset Turnover: 6.22% > 50% (prev 6.43%; Δ -0.21% > 0%) |
| Interest Coverage Ratio: 0.62 > 6 (EBIT TTM 3.02b / Interest Expense TTM 4.90b) |
| A: -0.62 (Total Current Assets 25.7b - Total Current Liabilities 172b) / Total Assets 236b |
| B: 0.09 (Retained Earnings 20.3b / Total Assets 236b) |
| C: 0.01 (EBIT TTM 3.02b / Avg Total Assets 232b) |
| D: 0.10 (Book Value of Equity 22.0b / Total Liabilities 214b) |
| Altman-Z'' = -3.60 = D |
| DSRI: 0.16 (Receivables 955.0m/6.11b, Revenue 14.4b/14.7b) |
| GMI: 0.97 (GM 61.26% / 62.84%) |
| AQI: 1.09 (AQ_t 0.84 / AQ_t-1 0.77) |
| SGI: 0.98 (Revenue 14.4b / 14.7b) |
| TATA: -0.00 (NI 2.26b - CFO 3.00b) / TA 236b) |
| Beneish M = -3.70 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 2092.43 with a total of 92,097 shares traded. Over the past week, the price has changed by +0.61%, over one month by +0.88%, over three months by +9.04% and over the past year by +1.12%.
Current recommended Stop Loss: 1999.70 (which is 4.4% or 1.9 ATR below the current price).
First Citizens BancShares has received a consensus analysts rating of 3.93. Therefore, it is recommended to buy FCNCA.
- StrongBuy: 4
- Buy: 5
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 2227.9 | 6.5% |
P/E Trailing = 12.005
P/E Forward = 12.8205
P/S = 2.6404
P/B = 1.1888
P/EG = 1.3791
Revenue TTM = 14.4b USD
EBIT TTM = 3.02b USD
EBITDA TTM = 3.47b USD
Long Term Debt = 33.7b USD (from longTermDebt, last quarter)
Short Term Debt = 170.0m USD (from shortTermDebt, last quarter)
Debt = 34.4b USD (from shortLongTermDebtTotal, last quarter) + Leases 390.0m
Net Debt = 9.73b USD (calculated: Debt 34.4b - CCE 24.6b)
Enterprise Value = 33.9b USD (24.1b + Debt 34.4b - CCE 24.6b)
Interest Coverage Ratio = 0.62 (Ebit TTM 3.02b / Interest Expense TTM 4.90b)
EV/FCF = 15.23x (Enterprise Value 33.9b / FCF TTM 2.22b)
FCF Yield = 6.57% (FCF TTM 2.22b / Enterprise Value 33.9b)
FCF Margin = 15.39% (FCF TTM 2.22b / Revenue TTM 14.4b)
Net Margin = 15.62% (Net Income TTM 2.26b / Revenue TTM 14.4b)
Gross Margin = 62.84% ((Revenue TTM 14.4b - Cost of Revenue TTM 5.37b) / Revenue TTM)
Gross Margin QoQ = 66.50% (prev 62.13%)
Tobins Q-Ratio = 0.14 (Enterprise Value 33.9b / Total Assets 236b)
Interest Expense / Debt = 14.26% (Interest Expense 4.90b / Debt 34.4b)
Taxrate = 25.39% (768.0m / 3.02b)
NOPAT = 2.26b (EBIT 3.02b * (1 - 25.39%))
Current Ratio = 0.15 (Total Current Assets 25.7b / Total Current Liabilities 172b)
Debt / Equity = 1.56 (Debt 34.4b / totalStockholderEquity, last quarter 22.0b)
Debt / EBITDA = 2.80 (Net Debt 9.73b / EBITDA 3.47b)
Debt / FCF = 4.38 (Net Debt 9.73b / FCF TTM 2.22b)
Total Stockholder Equity = 22.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 2.26b / Total Assets 236b)
RoE = 10.19% (Net Income TTM 2.26b / Total Stockholder Equity 22.1b)
RoCE = 5.42% (EBIT 3.02b / Capital Employed (Equity 22.1b + L.T.Debt 33.7b))
RoIC = 3.58% (NOPAT 2.26b / Invested Capital 63.1b)
WACC = 10.01% (E(24.1b)/V(58.5b) * Re(9.12%) + D(34.4b)/V(58.5b) * Rd(14.26%) * (1-Tc(0.25)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -8.44%
[DCF] Terminal Value 72.79% ; FCFF base≈1.78b ; Y1≈2.03b ; Y5≈2.99b
[DCF] Fair Price = 2.37k (EV 34.8b - Net Debt 9.73b = Equity 25.1b / Shares 10.6m; r=10.01% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 42.32 | EPS CAGR: 7.94% | SUE: 1.55 | # QB: 2
Revenue Correlation: 69.00 | Revenue CAGR: 16.43% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=39.94 | Chg30d=+0.57% | Revisions=-58% | Analysts=9
EPS next Quarter (2026-09-30): EPS=45.64 | Chg30d=+0.60% | Revisions=-25% | Analysts=9
EPS current Year (2026-12-31): EPS=176.76 | Chg30d=+0.61% | Revisions=+25% | GrowthEPS=-0.6% | GrowthRev=-0.8%
EPS next Year (2027-12-31): EPS=200.38 | Chg30d=+0.97% | Revisions=-18% | GrowthEPS=+13.4% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: -37% (up=8, down=19)