First Citizens Bank/$FCNCA
1D1W1MYTD1Y5YMAX
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. First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing in 2025.
- Ticker
- $FCNCA
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 18,009
- Headquarters
- Raleigh, United States
- Website
- www.firstcitizens.com
FCNCA Metrics
BasicAdvanced
$24B
11.66
$186.44
0.60
$8.25
0.39%
Price and volume
Market cap
$24B
Beta
0.6
52-week high
$2,296.30
52-week low
$1,623.76
Average daily volume
56K
Dividend rate
$8.25
Financial strength
Dividend payout ratio (TTM)
7.86%
Profitability
Net profit margin (TTM)
25.23%
Operating margin (TTM)
37.01%
Effective tax rate (TTM)
25.46%
Revenue per employee (TTM)
$520,000
Management effectiveness
Return on assets (TTM)
1.01%
Return on equity (TTM)
10.65%
Valuation
Price to earnings (TTM)
11.655
Price to revenue (TTM)
2.833
Price to book
1.21
Price to tangible book (TTM)
1.24
Price to free cash flow (TTM)
17.367
Free cash flow yield (TTM)
5.76%
Free cash flow per share (TTM)
125.119
Dividend yield (TTM)
0.38%
Forward dividend yield
0.39%
Growth
Revenue change (TTM)
3.87%
Earnings per share change (TTM)
9.87%
3-year revenue growth (CAGR)
21.26%
3-year earnings per share growth (CAGR)
-36.31%
10-year earnings per share growth (CAGR)
26.11%
3-year dividend per share growth (CAGR)
44.75%
10-year dividend per share growth (CAGR)
21.26%
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
The pending acquisition of 138 branches from BMO Bank N.A. will bring approximately $5.3 billion in deposits and $700 million in loans when it closes in Q3 2026, markedly expanding First Citizens’ geographic footprint across the Midwest, Great Plains, and West regions (First Citizens BancShares (newsroom.firstcitizens.com)).
In Q2 2026, First Citizens delivered $672 million in net income, a 26% increase from Q1, driven by higher net interest income, fee growth, and resilient credit performance (First Citizens BancShares (newsroom.firstcitizens.com)).
The bank repurchased $600 million of common stock and prepaid $2.5 billion of its FDIC Purchase Money Note in Q2 2026, strengthening its capital efficiency and reducing borrowing costs (First Citizens BancShares (newsroom.firstcitizens.com)).
Net income for Q1 2026 fell 8% to $534 million, reflecting a pullback in profitability compared to the prior quarter (Reuters (sahmcapital.com)).
Net interest income slid 6% to $1.62 billion in Q1 2026, while net interest margin narrowed by 11 basis points to 3.09%, underscoring compression in funding spreads (Reuters (sahmcapital.com)).
Provision for credit losses climbed 33% to $72 million in Q1 2026, indicating elevated credit cost pressures amid a changing economic backdrop (Reuters (sahmcapital.com)).
Data summarised monthly by Lightyear AI. Last updated on 21 Aug 2026.
FCNCA Financial Performance
Revenues and expenses
FCNCA Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing FCNCA
AllUSDEURGBP
Fund name | Fund size | $FCNCA weighting |
|---|---|---|
iShares Edge MSCI World Minimum Volatility$MVOL | $2.6B | 0.10% |
iShares Edge MSCI World Minimum Volatility€IQQ0 | €2.3B | 0.10% |
iShares Edge MSCI World Minimum Volatility£MINV | £1.9B | 0.10% |
iShares Edge MSCI World Value Factor$IWVL | $7.4B | 0.06% |
iShares Edge MSCI World Value Factor€IS3S | €6.4B | 0.06% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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