First Citizens BancShares Inc.
FCNCA | NASDAQ
$2,352.64
-$29.86 (-1.25%)
At close: Oct 30, 2026, 4:00 PM ET
$2,350.49
-$2.15 (-0.09%)
Pre-market:
Nov 2, 2026, 4:24 AM ET
Market Data
Market Cap $26.14B
Enterprise Value $25.16B
Beta 0.58
Average Volume 73.17K
Shares Outstanding (Diluted) 11.25M
Shares Change YoY -12.44%
Institutional Ownership 57.89%
Exchange NASDAQ
ISIN US31946M1036
Price Performance
Price Change 1M 14.2%
Price Change 3M 7.6%
Price Change 6M 18.5%
Price Change YTD 9.6%
Price Change 1Y 28.9%
Price Change 3Y 70.4%
Price Change 5Y 189.1%
1M CAGR (ann.) 11.4%
1Y CAGR (ann.) 32.3%
5Y CAGR (ann.) 23.2%
All-Time CAGR 23.7%
Valuation
PE Ratio 12.06
Forward PE 9.76
PEG Ratio 0.78
Forward PEG 0.57
PS Ratio 1.81
Forward PS 2.70
PB Ratio 1.21
P/FCF Ratio 16.83
P/Adj. FCF Ratio 16.83
P/OCF Ratio 11.69
EV/Sales 1.74
EV/EBIT 5.62
EV/EBITDA 4.98
EV/FCF 16.20
Earnings Yield 8.3%
FCF Yield 5.9%
Adj. FCF Yield 5.9%
Financial Health
Net Debt $23.38B
Total Debt $116M
Cash & Short-Term Investments $1.09B
Total Assets $241.18B
Current Ratio 0.34
Quick Ratio 0.34
Debt / Equity Ratio 1.13
Debt / EBITDA 0.02
Debt / FCF 0.07
OCF / Debt 19.53
Interest Coverage 0.66
Altman Z-Score -0.30
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 65.0%
Operating Profit Margin 22.3%
EBITDA Margin 35.0%
Net Profit Margin 16.6%
FCF Margin 10.8%
Adj. FCF Margin 10.8%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 1.0%
Return on Equity 10.9%
Return on Invested Capital 4.4%
Return on Capital Employed 5.9%
Return on Tangible Assets 1.0%
Historical Growth (CAGR)
Revenue CAGR 3Y 12.1%
Revenue CAGR 5Y 49.7%
Revenue CAGR 10Y 26.7%
EPS CAGR 3Y -36.6%
EPS CAGR 5Y 28.6%
EPS CAGR 10Y 26.9%
FCF CAGR 3Y 3.9%
FCF CAGR 5Y 7.1%
FCF CAGR 10Y 25.2%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 9
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 22, 2027
EPS Estimate (next Q) $51.87
EPS Growth Est (next Q) 10017.0%
Revenue Est (next Q) $2.32B
Revenue Growth Est (next Q) -2.5%
Fair Value Estimates
Graham Number $2,901.92
Graham Upside 23.4%
Lynch Fair Value $4,878.75
Lynch Upside 107.4%
Price Target $2,448.00
Price Target Upside 4.1%
Cash Flow
Operating Cash Flow $2.27B
Free Cash Flow $1.55B
Adj. Free Cash Flow $1.55B
FCF Per Share $138.04
OCF Per Share $201.32
OCF/S Ratio 15.7%
Income Statement
Revenue $14.44B
Gross Profit $9.38B
Operating Income $3.21B
EBITDA $5.05B
Net Income $2.39B
EPS (Diluted) $195.15
Revenue / Employee $795.77K
Profit / Employee $131.86K
Employees 18,141
Dividends
Annual Dividend $8.40
Dividend Yield 0.36%
Payout Ratio 4.3%
FCF Payout Ratio 9.4%
Adj. FCF Payout Ratio 9.4%
Dividend Growth (YoY) 7.7%
Pay Frequency Quarterly
Ex-Dividend Date Nov 30, 2026
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