First Citizens BancShares, Inc.
FCNCA
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- First Citizens BancShares has a strong earnings growth rate of 31%, indicating effective management and operational efficiency in the competitive regional banking sector.
- In Q2 2026, the company reported a revenue increase of 5% compared to the previous quarter, reaching $2.4 billion.
- The trailing P/E ratio of 11.19 suggests that the stock is undervalued compared to the industry average, providing a potential buying opportunity.
- The regional banking industry faces regulatory challenges that could impact profitability and growth, particularly in a rising interest rate environment.
- The company's net income decreased from $672 million in Q2 2026 to $534 million in Q1 2026, indicating potential volatility in earnings.
- With a market cap of approximately $23.58 billion, the stock may struggle to attract significant investor interest given its neutral score of 3.00.
Fundamentals
| Market cap | $23.33B | Enterprise value | $35.50B | Trailing P/E | 11.07 | Forward P/E | 10.20 |
| PEG | 0.99 | Price / book | 1.17 | Beta | 0.58 | Dividend yield | 0.41% |
| Revenue growth | 8.5% | Earnings growth | 31.0% | Gross margin | 0.0% | Operating margin | 39.0% |
| Profit margin | 25.2% | ROE | 10.7% | ROA | 1.0% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | hold | Mean target | $2,336.54 |
| 52w high | $2,296.30 | 52w low | $1,623.76 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $2.4B | $2.3B | $2.2B | $2.4B | $2.4B |
| Op margin | — | — | — | — | — |
| Net income | $672M | $534M | $580M | $568M | $575M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
- Revenue +5% vs prior quarter ($2.4B vs $2.3B).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $9.3B | $9.5B | $8.8B | $4.5B | — |
| Op margin | — | — | — | — | — |
| Net income | $2.2B | $2.8B | $11.5B | $1.1B | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · Pivot Energy Closes $173 Million Term Loan Facility for 135 MWdc Distributed Solar Portfolio
2026-10-07 · Halloween Budgets Top Thanksgiving: 38% Plan to Spend $300 or More, CIT Bank Survey Finds
2026-10-06 · First Citizens Bank Launches New Innovation Banking Brand
2026-10-05 · First Citizens BancShares vs MP Materials: A Tale of 2 Regulation Bets
2026-09-30 · First Citizens BancShares, Inc. Announces Date of Third Quarter 2026 Earnings Call
2026-09-30 · 3 Bank Stocks We Find Risky
2026-09-29 · Q2 Earnings Highlights: First Citizens BancShares (NASDAQ:FCNCA) Vs The Rest Of The Regional Banks Stocks
2026-09-22 · Top Premarket Decliners
2026-09-17 · CB Insights Joins Silicon Valley Bank's Partner Network to Give Innovators a Competitive Edge
2026-09-16 · What Could First Citizens BancShares (FCNC.A) $300 Million Preferred Offering Mean?
2026-09-15 · Is First Citizens BancShares (FCNCA) an Undervalued Opportunity?
2026-09-14 · UBS Downgrades First Citizens BancShares to Neutral From Buy, Adjusts PT to $2,250 From $2,325
Price (daily)
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