First Citizens Bank/$FCNCA
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About First Citizens Bank
First Citizens is a US regional bank with total assets of around $237 billion as of June 30, 2026. 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. In 2025, First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing.
- Ticker
- $FCNCA
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 18,009
- Headquarters
- Raleigh, United States
- Website
- www.firstcitizens.com
FCNCA Metrics
BasicAdvanced
$26B
12.23
$194.73
0.58
$8.40
0.35%
Price and volume
Market cap
$26B
Beta
0.58
52-week high
$2,429.96
52-week low
$1,759.27
Average daily volume
80K
Dividend rate
$8.40
Financial strength
Profitability
Net profit margin (TTM)
25.21%
Operating margin (TTM)
37.07%
Effective tax rate (TTM)
25.53%
Revenue per employee (TTM)
$530,000
Management effectiveness
Return on assets (TTM)
1.01%
Return on equity (TTM)
10.98%
Valuation
Price to earnings (TTM)
12.235
Price to revenue (TTM)
2.955
Price to book
1.33
Price to tangible book (TTM)
1.38
Dividend yield (TTM)
0.35%
Forward dividend yield
0.35%
Growth
Revenue change (TTM)
6.63%
Earnings per share change (TTM)
15.03%
3-year revenue growth (CAGR)
13.62%
3-year earnings per share growth (CAGR)
-36.66%
10-year earnings per share growth (CAGR)
26.92%
3-year dividend per share growth (CAGR)
-11.21%
10-year dividend per share growth (CAGR)
5.76%
What the Analysts think about FCNCA
Analyst ratings (Buy, Hold, Sell) for First Citizens Bank stock.
Analyst projections of the future price of First Citizens Bank stock.
Bulls say / Bears say
Net interest income rose by $43 million in Q3, and First Citizens raised its 2026 net interest income outlook to $6.68–$6.75 billion. That points to continued earnings momentum despite a small quarterly dip in margin. (First Citizens BancShares)
Loans grew 4.1% and deposits 6.8% in Q3, with the completed BMO branch deal adding about $4.9 billion of deposits and expanding the bank’s footprint. This gives First Citizens more scale and funding to support further lending. (First Citizens BancShares, Investing.com)
Credit indicators improved in Q3: net charge-offs fell to 0.27% of average loans from 0.29%, and non-accrual loans declined to 0.87% of loans from 0.96%. Lower losses could help protect earnings if the trend continues. (First Citizens BancShares)
Funding costs are rising faster than asset yields: the cost of average total deposits increased to 2.16% from 2.07%, while adjusted net interest margin slipped to 2.99% from 3.01%. Persistent deposit competition could further pressure lending profits. (First Citizens BancShares)
The bank plans to keep paying down the FDIC purchase-money note, but management expects replacement funding to cost more than the note itself. That makes the remaining repayments a potential drag on future funding costs and margins. (Investing.com)
The loan book remains exposed to commercial property, with $23.2 billion in commercial real estate loans at June-end, while the allowance fell to 0.91% of loans in Q3 from 0.98%. A downturn could make today’s low charge-offs and reserve releases harder to sustain. (SEC, First Citizens BancShares)
Data summarised monthly by Lightyear AI. Last updated on 23 Oct 2026.
FCNCA Financial Performance
Revenues and expenses
FCNCA Earnings Performance
Company profitability
Upcoming events
FCNCA News
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Funds containing FCNCA
AllUSDEURGBP
Fund name | Fund size | $FCNCA weighting |
|---|---|---|
iShares Edge MSCI World Minimum Volatility£MINV | $2.6B | 0.37% |
iShares Edge MSCI World Minimum Volatility$MVOL | $2.6B | 0.37% |
iShares Edge MSCI World Minimum Volatility€IQQ0 | $2.6B | 0.37% |
JPMorgan Global Equity Premium Income£JEGP | $1.6B | 0.23% |
JPMorgan Global Equity Premium Income$JEPG | $1.5B | 0.23% |
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