First Citizens Bank/$FCNCA
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About First Citizens Bank
First Citizens BancShares Inc is the bank holding company of First Citizens Bank and Trust Company. The company's segments include the General Bank, the Commercial Bank, SVB Commercial, and Rail. The General Bank segment delivers products and services to consumers and businesses through its extensive network of branches and various digital channels. The Commercial Bank segment provides financial services, including lending, leasing, and advisory, to small and mid-market businesses across various industries. The SVB Commercial provides financial services to innovators, investors, and venture firms. The Rail segment provides tailored leasing and financing for railcars and locomotives across North America. It generates the majority of its revenue from the General Banking segment.
Ticker
$FCNCA
Sector
Primary listing
Employees
17,333
Headquarters
Website
FCNCA Metrics
BasicAdvanced
$25B
11.64
$169.70
0.64
$7.49
0.39%
Price and volume
Market cap
$25B
Beta
0.64
52-week high
$2,412.93
52-week low
$1,473.62
Average daily volume
148K
Dividend rate
$7.49
Financial strength
Dividend payout ratio (TTM)
6.76%
Profitability
Net profit margin (TTM)
26.68%
Operating margin (TTM)
38.05%
Effective tax rate (TTM)
20.58%
Revenue per employee (TTM)
$520,000
Management effectiveness
Return on assets (TTM)
1.07%
Return on equity (TTM)
10.70%
Valuation
Price to earnings (TTM)
11.637
Price to revenue (TTM)
3.028
Price to book
1.19
Price to tangible book (TTM)
1.22
Price to free cash flow (TTM)
18.359
Free cash flow yield (TTM)
5.45%
Free cash flow per share (TTM)
107.566
Dividend yield (TTM)
0.38%
Forward dividend yield
0.39%
Growth
Revenue change (TTM)
-4.79%
Earnings per share change (TTM)
-6.66%
3-year revenue growth (CAGR)
50.64%
3-year earnings per share growth (CAGR)
43.48%
10-year earnings per share growth (CAGR)
25.43%
3-year dividend per share growth (CAGR)
58.53%
10-year dividend per share growth (CAGR)
20.10%
What the Analysts think about FCNCA
Analyst ratings (Buy, Hold, Sell) for First Citizens Bank stock.
Bulls say / Bears say
First Citizens reported a net income of $575 million for the second quarter, up 19% from $483 million in Q1, fueled by revenue growth and healthy credit trends. (First Citizens press release)
The board authorized an additional $4.0 billion share repurchase plan after repurchasing $613 million of shares in Q2, highlighting management’s focus on capital returns and boosting shareholder value. (First Citizens press release)
Net interest income climbed to $1.70 billion in Q2, with the net interest margin steady at 3.26%, strengthening core earnings despite a tough rate environment. (First Citizens press release)
Nonaccrual loans increased to $1.32 billion (0.93% of total loans) at June 30, 2025, up from 0.85% at March 31, indicating a slight decline in asset quality. (First Citizens press release)
Total loans and leases fell by $89 million to $141.27 billion in Q2 (a 0.3% annualized decrease), reflecting subdued lending demand across main business areas. (First Citizens press release)
In March 2025, the company issued $750 million in subordinated notes due 2040 with a 6.254% coupon, adding to future interest expenses that could pressure net interest margins. (SEC Form 8-K)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2025.
FCNCA Financial Performance
Revenues and expenses
FCNCA Earnings Performance
Company profitability
FCNCA News
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Upcoming events
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FAQs
What’s the current market cap for First Citizens Bank stock?
First Citizens Bank (FCNCA) has a market cap of $25B as of September 15, 2025.
What is the P/E ratio for First Citizens Bank stock?
The price to earnings (P/E) ratio for First Citizens Bank (FCNCA) stock is 11.64 as of September 15, 2025.
Does First Citizens Bank stock pay dividends?
Yes, the First Citizens Bank (FCNCA) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $7.49 and the yield is 0.39%. First Citizens Bank has a payout ratio of 6.76% on a trailing twelve-month basis.
When is the next First Citizens Bank dividend payment date?
The next First Citizens Bank (FCNCA) dividend payment is scheduled for September 15, 2025.
What is the beta indicator for First Citizens Bank?
First Citizens Bank (FCNCA) has a beta rating of 0.64. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.