First Citizens BancShares Inc.
FCNCO | NASDAQ
$18.32
+$0.12 (+0.66%)
Nov 2, 2026, 11:28 AM ET · Market open
Market Data
Market Cap $22.11B
Enterprise Value $20.99B
Beta 0.61
Average Volume 18.73K
Shares Outstanding (Diluted) 11.25M
Shares Change YoY -12.44%
Institutional Ownership N/A
Exchange NASDAQ
ISIN US31959X2027
Price Performance
Price Change 1M -3.9%
Price Change 3M -11.2%
Price Change 6M -14.5%
Price Change YTD -13.5%
Price Change 1Y -18.1%
Price Change 3Y -9.9%
Price Change 5Y N/A
1M CAGR (ann.) -7.7%
1Y CAGR (ann.) -13.9%
5Y CAGR (ann.) -1.7%
All-Time CAGR -0.4%
Valuation
PE Ratio 0.09
Forward PE 7.80
PEG Ratio 0.78
Forward PEG 0.57
PS Ratio 1.52
Forward PS 2.30
PB Ratio 1.02
P/FCF Ratio 14.14
P/Adj. FCF Ratio 14.14
P/OCF Ratio 0.09
EV/Sales 1.45
EV/EBIT 4.69
EV/EBITDA 4.16
EV/FCF 13.51
Earnings Yield 1072.3%
FCF Yield 7.1%
Adj. FCF Yield 7.1%
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 -0.31
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 0
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 15844.6%
Lynch Fair Value $4,878.75
Lynch Upside 26706.3%
Price Target $0.00
Price Target Upside N/A
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 $1.41
Dividend Yield 7.75%
Payout Ratio 0.7%
FCF Payout Ratio 9.4%
Adj. FCF Payout Ratio 9.4%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Nov 30, 2026
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