First Citizens BancShares Inc (FCNCA) — Analysis Summary
First Citizens BancShares Inc (FCNCA) has a market cap of $23.52B with year-over-year revenue growth of -2.2%. Net margin stands at 23.1%. The stock trades at a P/E ratio of 10.0.
Key Takeaways
- Revenue changed -2.2% year-over-year
- Net margin of 23.1%
- P/E ratio of 10.0
Compared to other companies in the STATE COMMERCIAL BANKS sector, FCNCA posted revenue growth of -2.2% and trades at a P/E of 10.0.
First Citizens BancShares Inc (FCNCA)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 6.4x — highly leveraged, potential refinancing risk
Interest coverage at 0.0x — earnings do not cover interest payments
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. In 2025, First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing.
Sector
STATE COMMERCIAL BANKS
Employees
18,141
Headquarters
RALEIGH, NC
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$8.40
Dividend Yield
0.40%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.