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FIRST CITIZENS BCSHS -CL A

FCNCANASDAQ
πŸ† #509 by market capEarnings Oct 22US Equity
$2,064.10β–Ό $33.64 (βˆ’1.63%)
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🏦Market Cap
$23.51B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
-3.0%
Declining
πŸ“ŠGross Margin
64.0%
High
πŸ’΅FCF Margin
17.8%
Healthy
βš–οΈP/S Ratio
1.6x
Cheap
Otter Score
92
Very Good
No chart data available for FCNCA.

Trading Snapshot

Day Range
$2,033.94 – $2,099.41
52-Week Range
$1,623.76 – $2,296.30
Volume
$1.92B
Avg Volume
$1.84B
Shares Outstanding
11.4M
Next Earnings
Dec 12, 2026

Fundamentals Snapshot

Annual Revenue
$14.50B
Last Q Revenue
$3.60B
P/E Ratio
11.2
P/S Ratio
1.6x
EPS (TTM)
$204.06
Dividend Yield
0.40%
Dilution (1yr)
βˆ’11.2%

Why Investors Own FCNCA

  • βœ“High-growth profile β€” revenue up +50.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 75% gross margin and 24% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FCNCA logo

FIRST CITIZENS BCSHS -CL A

FCNCA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$14.5Bβ–Ό βˆ’3.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.4%β–Ό βˆ’1.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$3.0Bβ–Ό βˆ’17.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$2.1Bβ–² +42.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
12.4Mβ–Ό βˆ’11.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$15.4Bβ–Ό βˆ’$176M YoY
StockOtter Β· stockotter.space

About FIRST CITIZENS BCSHS -CL A

First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
92/100

Analyst Price Target

β“˜
Average Target
$2,275.04
β–² +10.2% Upside
High Target$2,634.91
Low Target$1,845.66
Based on 17 analysts

Latest News & Updates

Defense WorldΒ·9d ago

First Citizens BancShares (NASDAQ:FCNCA) Major Shareholder Sells $136,710.00 in Stock

First Citizens BancShares, Inc. (NASDAQ: FCNCA - Get Free Report) major shareholder Olivia Britton Holding sold 7,000 shares of the business's stock in a transaction that occurred on Tuesday, September 15th. The shares w

PRNewsWireΒ·12d ago

CB Insights Joins Silicon Valley Bank's Partner Network to Give Innovators a Competitive Edge

Exclusive offer provides select SVB clients access to private company ratings and intelligence relied on by the world's leading companies SAN FRANCISCO, Sept. 17, 2026 /PRNewswire/ -- CB Insights, the authority on privat

PRNewsWireΒ·15d ago

First Citizens Bank Provides $157 Million to Morningstar Properties

Funding will be used to refinance Blue Doors Storage Fund IV RALEIGH, N.C., Sept. 14, 2026 /PRNewswire/ -- First Citizens BankΒ today announced that its Middle Market Banking business provided $157 million in financing to

PRNewsWireΒ·21d ago

First Citizens Bank Completes Branch Acquisition, Expanding Presence Across the Midwest, Great Plains and West

Associated client accounts have transitioned to First Citizens Bank platforms Regional leadership appointments, $1 million giving commitment reinforce Bank's investment in local banking with a relationship-driven approac

Defense WorldΒ·22d ago

First Citizens BancShares, Inc. $FCNCA Shares Purchased by California State Teachers Retirement System

California State Teachers Retirement System boosted its holdings in First Citizens BancShares, Inc. (NASDAQ: FCNCA) by 181,550.9% during the undefined quarter, according to its most recent disclosure with the Securities

Defense WorldΒ·Aug 15

Assenagon Asset Management S.A. Has $1.18 Million Stock Position in First Citizens BancShares, Inc. $FCNCA

Assenagon Asset Management S.A. lessened its position in shares of First Citizens BancShares, Inc. (NASDAQ: FCNCA) by 89.2% during the undefined quarter, according to its most recent filing with the Securities and Exchan