Is FCNCA a good stock to buy right now?

Based on our 6-factor quantitative model, FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) receives a "Hold" rating with a composite score of 48.3/100. It is ranked #1,846 out of 4,446 stocks. Key factor scores: Quality 55/100, Value 63/100, Momentum 42/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for FCNCA?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) has a "Hold" rating and 3-star score. The composite score of 48.3 ranks it #1,846 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is FCNCA in?

FIRST CITIZENS BANCSHARES INC /DE/ operates in the Financials sector (Banking industry) with a market cap of $22.42 billion. It is classified as a large-cap stock.

Does FCNCA pay a dividend?

Yes, FCNCA pays a dividend with a current yield of 0.44%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $4.40 in annual dividend income.

What is FCNCA's P/E ratio?

FCNCA has a trailing P/E ratio of 10.04x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is FCNCA?

FCNCA's quality factor score is 55/100. Gross margin: 0.0%. ROE: 10.2% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is FCNCA valued compared to peers?

FCNCA's value factor score is 63/100 (higher = cheaper). Key multiples: P/E 10.0x, EV/EBITDA 19.0x. The stock appears attractively valued versus peers.

What is FCNCA's debt level?

FCNCA's debt-to-equity ratio is 161%. Sector average: 121%. Elevated leverage increases credit risk.

What is FCNCA's beta?

FCNCA has a beta of 1.08, meaning it tracks the market. Stability score: 70/100.

Does FCNCA have high short interest?

FCNCA's short interest factor score is 14/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

FCNCA Stock Analysis: Hold (Score 48.3/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
FCNCA	-0.43%	+4.36%	+4.04%	-7.29%	+21.35%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.36%	+0.76%	+3.70%	-6.93%	-8.17%	-	-	-
Alpha vs Sector	+0.66%	+1.86%	+2.62%	+0.01%	+10.77%	-	-	-

Metric	FCNCA	Benchmark
P/E Ratio	10.0x	-33%
EV/EBITDA	19.0x	+484%
Price / Book	1.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
FCNCA FIRST CITIZENS BANCSHARES INC /DE/	48	55	63	42	10.0x	10.2%	0.0%	23.7%	-1.1%	161.0x	$22.4B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	0.4%	0.6%	-	0.7%	0.8%	0.8%	0.7%	0.7%
Operating Margin %	0.3%	0.3%	0.4%	0.6%	0.4%	0.5%	0.3%	0.2%	0.2%	0.3%	0.3%
EBITDA Margin %	0.3%	0.3%	0.4%	0.6%	0.4%	0.5%	0.4%	0.4%	0.4%	0.4%	0.3%
Net Margin %	0.2%	0.2%	0.3%	0.6%	0.2%	0.4%	0.3%	0.3%	0.2%	0.2%	0.2%
FCF Margin %	-13.1%	-	-	6.6%	36.7%	-	11.1%	24.3%	38.9%	16.9%	10.4%
ROE %	0.1%	0.1%	0.1%	0.5%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.0%	4.0%	4.8%	16.4%	10.7%	9.3%	6.5%	7.2%	7.8%	9.0%	9.9%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.4%

0.6%

0.7%

0.8%

0.7%

Operating Margin %

0.3%

0.4%

0.6%

0.4%

0.5%

0.3%

0.2%

0.3%

EBITDA Margin %

0.3%

0.4%

0.6%

0.4%

0.5%

0.4%

0.3%

Net Margin %

0.2%

0.3%

0.6%

0.2%

0.4%

0.3%

0.2%

FCF Margin %

-13.1%

6.6%

36.7%

11.1%

24.3%

38.9%

16.9%

10.4%

ROE %

0.1%

0.5%

0.1%

ROA %

0.0%

0.1%

0.0%

ROIC %

0.0%

4.0%

4.8%

16.4%

10.7%

9.3%

6.5%

7.2%

7.8%

9.0%

9.9%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$9.6B	$9.5B	$9.8B	$18.8B	$5.1B	$1.5B	$1.9B	$1.7B	$1.6B	$1.6B	$1.4B	$1.4B
	$1.8B	—	—	$6.7B	$2.9B	—	$1.4B	$1.3B	$1.2B	$1.1B	$945M	$925M
Gross Margin	0.0%	---	---	35.7%	58.0%	---	74.4%	75.9%	75.1%	67.0%	65.9%	66.4%
	—	—	—	-$57M	$533M	—	$133M	$100M	$84M	$74M	$66M	$26M
Total Operating Expenses	—	$6.6B	$6.2B	—	—	$749M	—	—	—	—	—	—
	$2.8B	$3.0B	$3.6B	$12.1B	$2.1B	$702M	$477M	$416M	$400M	$522M	$488M	$467M
EBIT	$2.8B	$3.0B	$3.6B	$12.1B	$2.1B	$702M	$477M	$416M	$400M	$522M	$488M	$467M
EBITDA	$3.1B	$3.0B	$3.6B	$12.0B	$1.9B	$702M	$751M	$692M	$592M	$617M	$417M	$358M
Operating Margin	30.4%	31.1%	36.8%	64.3%	42.0%	48.4%	25.6%	24.1%	24.9%	33.0%	34.1%	33.6%
EBITDA Margin	32.2%	31.1%	36.8%	64.0%	37.3%	48.4%	40.3%	40.1%	36.8%	39.0%	29.1%	25.7%
	—	$1.4B	$1.3B	$3.7B	$467M	$61M	$96M	$93M	$37M	$44M	$43M	$44M
	—	$3.0B	$3.6B	—	—	$702M	—	—	—	—	—	—
Income Tax Expense	—	$765M	$815M	$611M	$264M	$154M	$126M	$135M	$103M	$220M	$126M	$122M
	$2.3B	$2.2B	$2.8B	$11.5B	$1.1B	$547M	$492M	$457M	$400M	$324M	$225M	$210M
Net Margin	23.7%	23.1%	28.5%	61.0%	21.6%	37.7%	26.4%	26.5%	24.9%	20.5%	17.1%	15.1%
	$165.24	$165.24	$189.42	$785.14	$67.47	$53.88	$47.50	$41.05	$33.53	$29.96	$18.77	$17.52
Diluted EPS	$165.24	$165.24	$189.41	$785.14	$67.47	$53.88	$47.50	$41.05	$33.53	$29.96	$18.77	$17.52
Weighted Avg Basic	—	13M	14M	—	—	10M	—	—	—	—	—	—
Weighted Avg Diluted	—	13M	14M	—	—	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$9.6B

$9.5B

$9.8B

$18.8B

$5.1B

$1.5B

$1.9B

$1.7B

$1.6B

$1.4B

$1.8B

—

$6.7B

$2.9B

—

$1.4B

$1.3B

$1.2B

$1.1B

$945M

$925M

Gross Margin

0.0%

---

35.7%

58.0%

---

74.4%

75.9%

75.1%

67.0%

65.9%

66.4%

—

-$57M

$533M

—

$133M

$100M

$84M

$74M

$66M

$26M

Total Operating Expenses

—

$6.6B

$6.2B

—

$749M

—

$2.8B

$3.0B

$3.6B

$12.1B

$2.1B

$702M

$477M

$416M

$400M

$522M

$488M

$467M

EBIT

$2.8B

$3.0B

$3.6B

$12.1B

$2.1B

$702M

$477M

$416M

$400M

$522M

$488M

$467M

EBITDA

$3.1B

$3.0B

$3.6B

$12.0B

$1.9B

$702M

$751M

$692M

$592M

$617M

$417M

$358M

Operating Margin

30.4%

31.1%

36.8%

64.3%

42.0%

48.4%

25.6%

24.1%

24.9%

33.0%

34.1%

33.6%

EBITDA Margin

32.2%

31.1%

36.8%

64.0%

37.3%

48.4%

40.3%

40.1%

36.8%

39.0%

29.1%

25.7%

—

$1.4B

$1.3B

$3.7B

$467M

$61M

$96M

$93M

$37M

$44M

$43M

$44M

—

$3.0B

$3.6B

—

$702M

—

Income Tax Expense

—

$765M

$815M

$611M

$264M

$154M

$126M

$135M

$103M

$220M

$126M

$122M

$2.3B

$2.2B

$2.8B

$11.5B

$1.1B

$547M

$492M

$457M

$400M

$324M

$225M

$210M

Net Margin

23.7%

23.1%

28.5%

61.0%

21.6%

37.7%

26.4%

26.5%

24.9%

20.5%

17.1%

15.1%

$165.24

$189.42

$785.14

$67.47

$53.88

$47.50

$41.05

$33.53

$29.96

$18.77

$17.52

Diluted EPS

$165.24

$189.41

$785.14

$67.47

$53.88

$47.50

$41.05

$33.53

$29.96

$18.77

$17.52

Weighted Avg Basic

—

13M

14M

—

10M

—

Weighted Avg Diluted

—

13M

14M

—

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does FIRST CITIZENS BANCSHARES INC /DE/ Do?

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. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina. FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) is classified as a large-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Frank B. Holding and employs approximately 10,700 people, headquartered in Raleigh, North Carolina. With a market capitalization of $22.4B, FCNCA is one of the prominent companies in the Financials sector.

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) Stock Rating — Hold (April 2026)

As of April 2026, FIRST CITIZENS BANCSHARES INC /DE/ receives a Hold rating with a composite score of 48.3/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.FCNCA ranks #1,846 out of 4,446 stocks in our coverage universe. Within the Financials sector, FIRST CITIZENS BANCSHARES INC /DE/ ranks #538 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FCNCA Stock Price and 52-Week Range

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) currently trades at $1989.75. The stock lost $8.54 (0.4%) in the most recent trading session. The 52-week high for FCNCA is $2232.21, which means the stock is currently trading -10.9% from its annual peak. The 52-week low is $1473.62, putting the stock 35.0% above its annual trough. Recent trading volume was 74K shares, suggesting relatively thin trading activity.

Is FCNCA Overvalued or Undervalued? — Valuation Analysis

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) carries a value factor score of 63/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 10.04x, compared to the Financials sector average of 14.88x — a discount of 33%. The price-to-book ratio stands at 1.02x, versus the sector average of 1.22x. The price-to-sales ratio is 2.38x, compared to 0.90x for the average Financials stock. On an enterprise value basis, FCNCA trades at 19.03x EV/EBITDA, versus 3.26x for the sector.

Overall, FCNCA's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

FIRST CITIZENS BANCSHARES INC /DE/ Profitability — ROE, Margins, and Quality Score

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) earns a quality factor score of 55/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.2%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

On a margin basis, FIRST CITIZENS BANCSHARES INC /DE/ reports gross margins of 0.0%. The operating margin is 30.4% (sector: 21.8%). Net profit margin stands at 23.7%, versus 17.7% for the average Financials stock. Revenue growth is running at -1.1% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

FCNCA Debt, Balance Sheet, and Financial Health

FIRST CITIZENS BANCSHARES INC /DE/ has a debt-to-equity ratio of 161.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.11x, suggesting adequate working capital coverage. Total debt on the balance sheet is $35.78B. Cash and equivalents stand at $874M.

FCNCA has a beta of 1.08, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for FIRST CITIZENS BANCSHARES INC /DE/ is 70/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

FIRST CITIZENS BANCSHARES INC /DE/ Revenue and Earnings History — Quarterly Trend

In TTM 2026, FIRST CITIZENS BANCSHARES INC /DE/ reported revenue of $9.55B and earnings per share (EPS) of $165.24. Net income for the quarter was $2.27B. Gross margin was 0.0%. Operating income came in at $2.81B.

In FY 2025, FIRST CITIZENS BANCSHARES INC /DE/ reported revenue of $9.54B and earnings per share (EPS) of $165.24. Net income for the quarter was $2.21B. Revenue grew -2.2% year-over-year compared to FY 2024. Operating income came in at $2.97B.

In Q3 2025, FIRST CITIZENS BANCSHARES INC /DE/ reported revenue of $2.43B and earnings per share (EPS) of $43.08. Net income for the quarter was $568M. Revenue grew -0.5% year-over-year compared to Q3 2024. Operating income came in at $751M.

In Q2 2025, FIRST CITIZENS BANCSHARES INC /DE/ reported revenue of $2.37B and earnings per share (EPS) of $42.36. Net income for the quarter was $575M. Revenue grew -3.5% year-over-year compared to Q2 2024. Operating income came in at $758M.

Over the past 8 quarters, FIRST CITIZENS BANCSHARES INC /DE/ has demonstrated a growth trajectory, with revenue expanding from $2.46B to $9.55B. Investors analyzing FCNCA stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FCNCA Dividend Yield and Income Analysis

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) currently pays a dividend yield of 0.4%. At this yield, a $10,000 investment in FCNCA stock would generate approximately $$44.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning FCNCA yields less than the typical sector peer. With a net margin of 23.7%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

FCNCA Momentum and Technical Analysis Profile

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) has a momentum factor score of 42/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 14/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

FCNCA vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) ranks #538 out of 891 stocks based on the Blank Capital composite score. This places FCNCA in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FCNCA against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FCNCA vs S&P 500 (SPY) comparison to assess how FIRST CITIZENS BANCSHARES INC /DE/ stacks up against the broader market across all factor dimensions.

FCNCA Next Earnings Date

No upcoming earnings date has been announced for FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FCNCA? — Investment Thesis Summary

FIRST CITIZENS BANCSHARES INC /DE/ presents a balanced picture with arguments on both sides. The value score of 63/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 70/100) reduces downside risk.

In summary, FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) earns a Hold rating with a composite score of 48.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FCNCA stock.

Related Resources for FCNCA Investors

Explore more research and tools: FCNCA vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FCNCA head-to-head with peers: FCNCA vs WTM, FCNCA vs OPY, FCNCA vs ACT.

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FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does FIRST CITIZENS BANCSHARES INC /DE/ Do?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) Stock Rating — Hold (April 2026)

FCNCA Stock Price and 52-Week Range

Is FCNCA Overvalued or Undervalued? — Valuation Analysis

FIRST CITIZENS BANCSHARES INC /DE/ Profitability — ROE, Margins, and Quality Score

FCNCA Debt, Balance Sheet, and Financial Health

FIRST CITIZENS BANCSHARES INC /DE/ Revenue and Earnings History — Quarterly Trend

FCNCA Dividend Yield and Income Analysis

FCNCA Momentum and Technical Analysis Profile

FCNCA vs Competitors — Financials Sector Ranking and Peer Comparison

FCNCA Next Earnings Date

Should You Buy FCNCA? — Investment Thesis Summary

Related Resources for FCNCA Investors

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Keefe, Bruyette & Woods Maintains Outperform on First Citizens BancShares, Lowers Price Target to $2300

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Is First Citizens BancShares (FCNC.A) Still Attractive After Recent Share Price Volatility

A Look At First Citizens BancShares (FCNC.A) Valuation After Recent Share Price Weakness

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