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First Citizens BancShares, Inc. FCNCA · Stock Open First Citizens BancShares, Inc. in new tab

2082.99 USD
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P/E
12.02
EPS
173.34
Yield
0.39%
Safety Score
83
P/B
1.20
ROE
10.18
Beta
0.61
Target Price
2227.92 USD
First Citizens BancShares, Inc. logo

First Citizens BancShares, Inc.

🧾 Earnings Recap – Q1 2026

First Citizens BancShares delivered solid Q1 results with adjusted EPS of $44.86, supported by strong deposit growth and disciplined expense management, despite the impact of lower interest rates.

  • Adjusted net interest income declined by $101 million due to lower NIM (down 11 bps to 3.09%) amid rate cuts, but was partly offset by organic loan growth and lower funding costs.
  • Deposit growth accelerated by 5.7% sequentially, driven by client activity in tech, healthcare, and global fund banking, complemented by strategic use of broker deposits.
  • Loans increased marginally by 0.5% to $762 billion, with global fund banking reaching a record production of over $6 billion.
  • The bank returned $900 million via share repurchases and prepaid $2.5 billion on FDIC promissory notes, bolstering liquidity and capital strength.
  • Strategic initiatives include expanding payments, international banking, digital assets, and a planned brand unification in Q4, enhancing platform solutions without impacting client service quality.
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1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateJuly 24, 2026
P/E12.02
EPS173.34
Book Value1735.18
Price to Book1.20
% Insiders24.744%
Growth
Revenue Growth0.05%
Earnings Growth0.24%
Estimates
Forward P/E10.40
Forward EPS200.38
Target Mean Price2227.92
Dividend
Dividend Yield0.39%
Annual dividends8.25 USD
Ex-Div. DateMay 29, 2026
Payout7.53%
5y avg Yield0.28%

DCF Valuation

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DCF Result
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

First Citizens BancShares, Inc. Logo First Citizens BancShares, Inc. Analysis (FCNCA)

United States Financials Official Website Stock

Is First Citizens BancShares, Inc. a good investment? First Citizens BancShares, Inc. (FCNCA) is currently trading at 2082.99 USD. Market analysts have a consensus price target of 2227.92 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 12.02. This relatively low multiple may signal that First Citizens BancShares, Inc. is undervalued compared to historical market norms.

Earnings Schedule: First Citizens BancShares, Inc. is expected to release its next earnings report on July 24, 2026. The market consensus estimate for Forward EPS is 200.38.

For income investors, First Citizens BancShares, Inc. pays a dividend yield of 0.39%. With a payout ratio of 8%, the dividend appears sustainable.

Investor FAQ

Does First Citizens BancShares, Inc. pay a dividend?

Yes, it pays an annual dividend of 8.25 USD (0.39% yield).

What asset class is First Citizens BancShares, Inc.?

First Citizens BancShares, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 24, 2026. The company currently has a trailing EPS of 173.34.

Company Profile

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

Exchange Ticker
NMS (United States) FCNCA
Trades
Dividend Yield
0.39%
5y avg 0.28%
Annual Dividends
8.25USD
Next Ex. Div Date
May 29, 2026
Payout Ratio
7.53%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
7.94 USD
June 21, 2027 (estimated) 3.9715
March 15, 2027 (estimated) 3.9715
▸2026
11.43 USD
Dec. 21, 2026 (estimated) 3.5445
Sept. 21, 2026 (estimated) 3.6879
June 15, 2026 2.1000
March 16, 2026 2.1000
▸2025
7.95 USD
Dec. 15, 2025 2.1000
Sept. 15, 2025 1.9500
June 16, 2025 1.9500
March 17, 2025 1.9500
▸2024
6.87 USD
Dec. 16, 2024 1.9500
Sept. 16, 2024 1.6400
June 17, 2024 1.6400
March 15, 2024 1.6400
▸2023
3.89 USD
Dec. 15, 2023 1.6400
Sept. 15, 2023 0.7500
June 15, 2023 0.7500
March 15, 2023 0.7500
▸2022
2.16 USD
Dec. 15, 2022 0.7500
Sept. 15, 2022 0.4700
June 15, 2022 0.4700
March 15, 2022 0.4700
▸2021
2.35 USD
Nov. 30, 2021 0.4700
Aug. 16, 2021 0.4700
May 28, 2021 0.4700
April 5, 2021 0.4700
Jan. 4, 2021 0.4700
▸2020
1.60 USD
Oct. 5, 2020 0.4000
July 6, 2020 0.4000
April 6, 2020 0.4000
Jan. 6, 2020 0.4000
▸2019
1.60 USD
Oct. 7, 2019 0.4000
July 1, 2019 0.4000
April 1, 2019 0.4000
Jan. 7, 2019 0.4000
▸2018
1.40 USD
Oct. 1, 2018 0.3500
July 2, 2018 0.3500
April 2, 2018 0.3500
Jan. 2, 2018 0.3500
▸2017
1.20 USD
Oct. 2, 2017 0.3000
July 5, 2017 0.3000
April 4, 2017 0.3000
Jan. 3, 2017 0.3000
▸2016
1.20 USD
Oct. 3, 2016 0.3000
July 5, 2016 0.3000
April 4, 2016 0.3000
Jan. 4, 2016 0.3000
▸2015
1.20 USD
Oct. 5, 2015 0.3000
July 6, 2015 0.3000
April 6, 2015 0.3000
Jan. 5, 2015 0.3000
▸2014
1.20 USD
Oct. 6, 2014 0.3000
July 7, 2014 0.3000
April 7, 2014 0.3000
Jan. 6, 2014 0.3000
▸2013
0.90 USD
Oct. 7, 2013 0.3000
July 1, 2013 0.3000
April 1, 2013 0.3000
▸2012
1.50 USD
Dec. 27, 2012 0.3000
Oct. 1, 2012 0.3000
July 2, 2012 0.3000
April 2, 2012 0.3000
Jan. 3, 2012 0.3000
▸2011
1.20 USD
Oct. 3, 2011 0.3000
July 5, 2011 0.3000
April 4, 2011 0.3000
Jan. 3, 2011 0.3000
▸2010
1.20 USD
Oct. 4, 2010 0.3000
July 6, 2010 0.3000
April 5, 2010 0.3000
Jan. 4, 2010 0.3000
▸2009
1.17 USD
Oct. 5, 2009 0.3000
July 6, 2009 0.3000
April 6, 2009 0.3000
Jan. 5, 2009 0.2750
▸2008
1.10 USD
Oct. 6, 2008 0.2750
July 8, 2008 0.2750
April 7, 2008 0.2750
Jan. 7, 2008 0.2750
▸2007
1.10 USD
Oct. 1, 2007 0.2750
July 2, 2007 0.2750
April 2, 2007 0.2750
Jan. 1, 2007 0.2750
▸2006
1.10 USD
Oct. 2, 2006 0.2750
July 3, 2006 0.2750
April 3, 2006 0.2750
Jan. 2, 2006 0.2750
▸2005
1.10 USD
Oct. 3, 2005 0.2750
July 4, 2005 0.2750
April 4, 2005 0.2750
Jan. 3, 2005 0.2750
▸2004
1.10 USD
Oct. 4, 2004 0.2750
July 5, 2004 0.2750
April 5, 2004 0.2750
Jan. 5, 2004 0.2750
▸2003
1.08 USD
Oct. 6, 2003 0.2750
July 7, 2003 0.2750
April 7, 2003 0.2750
Jan. 6, 2003 0.2500
▸2002
1.00 USD
Oct. 7, 2002 0.2500
July 1, 2002 0.2500
April 1, 2002 0.2500
Jan. 7, 2002 0.2500
▸2001
1.00 USD
Oct. 1, 2001 0.2500
July 2, 2001 0.2500
April 2, 2001 0.2500
Jan. 1, 2001 0.2500
▸2000
1.00 USD
Oct. 2, 2000 0.2500
July 3, 2000 0.2500
April 3, 2000 0.2500
Jan. 3, 2000 0.2500
▸1999
1.00 USD
Oct. 4, 1999 0.2500
July 5, 1999 0.2500
April 5, 1999 0.2500
Jan. 4, 1999 0.2500
▸1998
1.00 USD
Oct. 5, 1998 0.2500
July 6, 1998 0.2500
April 6, 1998 0.2500
Jan. 5, 1998 0.2500
▸1997
1.00 USD
Oct. 6, 1997 0.2500
July 7, 1997 0.2500
April 7, 1997 0.2500
Jan. 6, 1997 0.2500
▸1996
0.90 USD
Oct. 7, 1996 0.2250
July 1, 1996 0.2250
April 1, 1996 0.2250
Jan. 1, 1996 0.2250
▸1995
0.80 USD
Oct. 2, 1995 0.2000
July 3, 1995 0.2000
April 3, 1995 0.2000
Jan. 2, 1995 0.2000
▸1994
0.70 USD
Oct. 3, 1994 0.1750
July 1, 1994 0.1750
April 4, 1994 0.1750
Jan. 3, 1994 0.1750
▸1993
0.60 USD
Oct. 4, 1993 0.1500
July 5, 1993 0.1500
April 5, 1993 0.1500
Jan. 4, 1993 0.1500
▸1992
0.50 USD
Oct. 5, 1992 0.1250
July 6, 1992 0.1250
April 6, 1992 0.1250
Jan. 6, 1992 0.1250
▸1991
0.40 USD
Oct. 7, 1991 0.1000
July 5, 1991 0.1000
April 2, 1991 0.1000
Jan. 11, 1991 0.1000
▸1990
0.40 USD
Oct. 5, 1990 0.1000
July 6, 1990 0.1000
April 2, 1990 0.1000
Jan. 12, 1990 0.1000
▸1989
0.40 USD
Oct. 2, 1989 0.1000
July 5, 1989 0.1000
April 3, 1989 0.1000
Jan. 6, 1989 0.1000
▸1988
0.28 USD
Oct. 1, 1988 0.1000
July 1, 1988 0.0600
April 1, 1988 0.0600
Jan. 8, 1988 0.0600
▸1987
0.24 USD
Oct. 1, 1987 0.0600
July 1, 1987 0.0600
April 1, 1987 0.0600
Jan. 7, 1987 0.0600
Upcoming Dividends
Name Payment Date Status Amount
First Citizens BancShares, Inc. Jun 15, 2026 2.1 USD
First Citizens BancShares, Inc. Mar 16, 2026 2.1 USD
First Citizens BancShares, Inc. Dec 15, 2025 2.1 USD
First Citizens BancShares, Inc. Sep 15, 2025 1.95 USD
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