Skip to content
Company Analysis

First Citizens BancShares, Inc. FCNCP

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

Overview of First Citizens BancShares, Inc.

FCNCP NMS
Financial Services Banks - Regional
First Citizens BancShares, Inc. (FCNCP), in the Banks - Regional industry, last closed at $21.25, about 0.0% overvalued vs fair value, -8.1% 1Y return, ranked 862/1004 in sector.
$21.25
-0.33%
As of March 13, 2026
Previous close • Vol 90d: 12.8%
52-Week Range
Enterprise Value
-
Overall Score
Scores locked

Create a free account to see overall and pillar scores for First Citizens BancShares, Inc..

Top Beats
No strong beats yet

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

Insufficient data

Engine Room Money Flow™

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
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
37
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
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 FCNCP'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
Upgrade to unlock the full 3-year trend analysis and deltas.

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
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

81th percentile vs peers
82
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
-
- - -
- upside
-
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info