FCNCB
FIRST CITIZENS BANCSHARES INC /DE/
Next earnings Jul 23, 2026 · consensus $41.87 EPS, $2.30B rev
Last earnings -2.3% on 2026-04-23
$1,871.00
▲ +1.14%$1,871.00▲ +12.51%
over 1Y
L $1,474.29H $1,905.14
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.1%
1W+2.1%
1M+15.1%
3M+13.5%
YTD+4.7%
1Y+12.5%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 21 analysts
Buy
Strong net margin (23.1%); but revenue declined -2.2% YoY.
Revenue (FY2025) $9.54B · FY2025
The read
Middling fundamentals and a rich price (~21% above fair value) leave little margin of safety — a wait-and-see.
FIRST CITIZENS BANCSHARES INC /DE/ shows $9.54B in FY2025 revenue (-2.2% YoY), a 23.1% net margin, and 9.9% ROE.
Supporting the case: strong net margin (23.1%); undemanding valuation (P/E 11.3).
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jul 4, 2026, 12:26 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Is FCNCB a buy? The one-page verdict, explained →
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $5.08B | $18.8B | $9.76B | $9.54B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $547M | $1.10B | $11.5B | $2.78B | $2.21B |
| Diluted EPS | $53.88 | $67.40 | $784.51 | $189.41 | $165.24 |
| Net margin | — | 21.6% | 61.0% | 28.5% | 23.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF9.8
PEG (trailing)—
Earnings yield10.2%
FCF yield10.2%
Quality & risk
ROIC (est.)—
Free cash flow$2.21B
Total debt$36.0B
Net cash-$35.2B
Piotroski F-Score5/7
Capital returns
Buyback yield14.0%
Dividend yield (est.)0.7%
Shareholder yield14.7%
Shares Δ YoY-9.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-06-042026-06-08open ↗4Period ending 2026-06-042026-06-08open ↗4Period ending 2026-06-042026-06-08open ↗3Period ending 2026-06-012026-06-02open ↗144Filing2026-06-02open ↗4Period ending 2026-05-122026-05-12open ↗10-QPeriod ending 2026-03-312026-05-08open ↗8-KPeriod ending 2026-05-042026-05-07open ↗SCHEDULE 13G/AFiling2026-04-30open ↗SCHEDULE 13GFiling2026-04-29open ↗
Frequently asked
- Is FIRST CITIZENS BANCSHARES INC /DE/ (FCNCB) a buy?
- FCNCB currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (23.1%); but revenue declined -2.2% YoY.
- What is FCNCB's fair value?
- A Modified-Graham model based on FCNCB's SEC fundamentals estimates a fair value of about $1,474.77. It is an estimate from reported earnings, not a price target.
- Is FCNCB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, FCNCB currently appears overvalued relative to its SEC-grounded earnings power.
- What is FIRST CITIZENS BANCSHARES INC /DE/'s quality score?
- FCNCB scores 68.83826956469319/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000798941, latest 10-Q filed 2026-05-08) · EODHD · as of 7/4/2026, 4:26:47 PM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.