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Company Analysis

First Citizens BancShares, Inc. FCNCA

A comprehensive view of key metrics, scores, and financial health for First Citizens BancShares, Inc.

Overview of First Citizens BancShares, Inc.

FCNCA NMS
Financial Services Banks - Regional Large Cap
First Citizens BancShares, Inc. (FCNCA), is a Large Cap company, in the Banks - Regional industry, last closed at $1768.04, about 0.0% overvalued vs fair value, -3.7% 1Y return, ranked 755/1004 in sector.
$1768.04
-3.01%
As of March 13, 2026
Previous close • Vol 90d: 30.5%
52-Week Range
Market Cap
$21.69B
Enterprise Value
$37.09B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.firstcitizens.com
HQ Raleigh, NC
Employees 17,876
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$980
$1767
$3310
Current: $1768.04 0% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$12.4B
18.9%%
Interest Expense
$5.0B
Net Interest Income
$7.1B
6.4%%
Total Revenue
$14.5B
49%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.2B
117.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Citizens BancShares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FCNCA's balance between Growth (29.1%), Profitability (30.1%), and Safety (40.7%). Growth 29% Safety 41% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

58th percentile vs peers
58
Key Signals
Revenue CAGR 3Y 46.3% 96p Rev Growth YoY 49.0% 41p Asset Growth YoY 2.7% 41p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (46.3%, 96th percentile)
  • Roe in top 20% of peers (12.8%, 83th percentile)
  • Roa in top 20% of peers (1.3%, 80th percentile)
  • Roe in top 20% of peers (12.8%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

81th percentile vs peers
82
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Citizens BancShares, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$1767.24
- - -
0.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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