First Citizens BancShares Inc (FCNCA) Stock Analysis
Market Closed
Sector: Financial Services · Industry: State Commercial Banks
AnalystsHold21 analystsPrice History
5-Year Weekly Candlestick Chart
Profile
Strong growth; financial health lags behind.
How is each axis scored?
- Valuation52/100 · Moderate
- P/E vs own history (51th pct)12/25
- FCF yield (9.6%)25/25
- P/S (16.2x)5/25
- EV/EBIT (n/a)10/25
- Growth75/100 · Strong
- Revenue CAGR (37.3%)25/25
- Net income CAGR (41.7%)25/25
- EPS CAGR 5Y (32.1%)25/25
- Fwd implied growth (-1.7%)0/25
- Profitability67/100 · Moderate
- ROIC (4.3%)5/25
- ROE (10.2%)12/25
- Net margin (156.6%)25/25
- Operating margin (209.9%)25/25
- Financial Health40/100 · Weak
- Altman Z (0.20)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 14%)12/25
- Quality57/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.41)20/25
- FCF conversion (100%)22/25
- Margin stability (σ 874.7%)0/25
About First Citizens BancShares Inc
First Citizens is a US regional bank with total assets of around $237 billion as of June 30, 2026. Show more
Headquartered in Raleigh, North Carolina, First Citizens' largest markets are North Carolina, South Carolina, and California. The bank has a track record of acquiring troubled banks from the FDIC, such as Silicon Valley Bridge Bank in 2023, which doubled its asset base. First Citizens offers products and services across retail, commercial, wealth management, and railcar leasing. First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing in 2025.
Headquarters: RALEIGH, NC · Employees: 18,141 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- BuyOpen market buy · filed 2026-06-08+15 sh2026-06-05
- BuyOpen market buy · filed 2026-06-08+5 sh2026-06-05
- BuyOpen market buy · filed 2026-06-08+1 sh2026-06-05
- BuyOpen market buy · filed 2026-06-08+34 sh2026-06-05
- BuyOpen market buy · filed 2026-06-08+2 sh2026-06-05
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
52CP/E (TTM)10.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 1.3x–17.8x · 51st pct
P/FCF15.4xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield9.6%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: -6.8%–23.2% · 54th pct
P/S (TTM)16.20xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 3.2x–25.5x · 20th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.1xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.06xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.10B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.72%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio7.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
67BROIC4.3%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE10.2%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.0%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin156.6%A
Grade A: HighNet Income / Revenue
Operating Margin209.9%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin156.1%A
Grade A: HighFCF / Revenue
True FCF Margin156.1%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
40D+Altman Z-Score0.20D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment15.1yD
Grade D: SlowYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity1.54xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
75B+Revenue CAGR37.3%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR41.7%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)32.1%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-1.7%D
Grade D: Decl.Implied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)+21.5%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income0.0%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.0%A
Grade A: LowTTM stock-based comp / TTM Revenue
Quality
57CPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.41A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion99.6%A
Grade A: StrongFCF / Net Income
Margin Stability874.7%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue51.9%D
Grade D: HeavyTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$189.27
Own TTM net income / shares — same earnings basis as P/E
Cash / Share—
Cash & short-term investments per share (Finnhub)
Book Value / Share$1831.92
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$33.96B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$22.05B
Shareholders' equity (book value)
Asset / Liability1.10xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$23.34B
Current Market Capitalization
Beta0.64B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Neutral
Takes ~15.1 years to repay net debt from free cash flow. · Current P/E of 10.9x sits at the 51st percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 23, 2026
Key Insights: First Citizens BancShares Inc (FCNCA)
Composite verdict for First Citizens BancShares Inc: Neutral. Piotroski F-Score of 6/9 indicates mixed fundamentals for First Citizens BancShares Inc. Altman Z-Score of 0.20 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.41 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 37% annually, with net income growing about 42% per year — a strong growth profile.
- First Citizens BancShares Inc converts about 156% of revenue into free cash flow — strong cash generation.
- Takes ~15.1 years to repay net debt from free cash flow.
See how FCNCA ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for FCNCA in the last 30 days.
See FCNCA move history →Frequently Asked Questions about FCNCA
Is FCNCA stock a buy right now?
PreMarketPrice's quantitative model rates First Citizens BancShares Inc's financial health at 40/100 — Neutral. This is a data-driven snapshot of fundamentals, not investment advice.
Is FCNCA stock overvalued?
First Citizens BancShares Inc trades at a trailing P/E of 10.9 and our valuation score rates it 52/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does First Citizens BancShares Inc report earnings?
No confirmed earnings date is currently scheduled for FCNCA. The Earnings section lists recent reports and updates as dates are announced.
What sector does First Citizens BancShares Inc operate in?
First Citizens BancShares Inc operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does First Citizens BancShares Inc do?
First Citizens is a US regional bank with total assets of around $237 billion as of June 30, 2026.
About First Citizens BancShares Inc (FCNCA) Stock
First Citizens BancShares Inc (FCNCA) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. Real-time pricing data for First Citizens BancShares Inc is available on this page with a market capitalization of $23.3 billion. The financial health score for FCNCA is 40/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FCNCA stock.
FCNCA Stock Analysis & Key Metrics
On PreMarketPrice, you can track First Citizens BancShares Inc (FCNCA) across multiple dimensions:
- Pre-market price & movement: Real-time FCNCA stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FCNCA with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for First Citizens BancShares Inc across multiple reporting periods.
- Financial health score: A composite score of 40/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FCNCA.
- Sector peers: Compare FCNCA against 10 other financial services stocks on key financial metrics.
Is FCNCA a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate First Citizens BancShares Inc (FCNCA) as an investment. The financial health score of 40/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.First Citizens BancShares Inc (FCNCA) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.