What is First Citizens BancShares, Inc.'s (FCNCA) StockRank?

MoatMap's StockRank for First Citizens BancShares, Inc. (FCNCA) is 52/100, with a Hold signal. This is a composite score combining Quality (51), Value (46), and Momentum (49) factor ranks across MoatMap's universe of 25,000+ stocks.

Does First Citizens BancShares, Inc. have an economic moat?

First Citizens BancShares, Inc. (FCNCA) has a Quality factor score of 51/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Citizens BancShares, Inc. a buy, hold, or sell?

MoatMap's current signal for First Citizens BancShares, Inc. (FCNCA) is Hold, based on a StockRank of 52/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is First Citizens BancShares, Inc. in?

First Citizens BancShares, Inc. (FCNCA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

FCNCA

HoldFallen Favourite

First Citizens BancShares, Inc. · Financial Services · United States · $24.8B · Avg Vol: $121M/d

StockRank

Get insider-trade alerts

P/E (TTM)

11.8x

ROE

10.7%

D/E

1.6x

Dividend %

0.4%

COMPANY DESCRIPTION

First Citizens BancShares, Inc. is a large bank holding company operating through its subsidiary, First Citizens Bank, providing a full range of retail and commercial banking services. It maintains a strong regional presence, particularly in the Southeastern US, with a focus on relationship banking and diversified financial services. The company has demonstrated growth through strategic acquisitions and a conservative lending approach.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	4.5B	8.8B	9.5B	9.3B	26.9%	9.3B	9.3B	9.7B	2.5%
EPS	67.47	785.14	189.42	165.24	34.8%	186.41	178.95	183.30	5.3%
Shares	14.5M	14.5M	13.7M	12.1M	-16.3%	10.3M	—	—	—
Debt	6.6B	37.6B	37.0B	36.1B	76.6%	34.3B	—	—	—
Equity	9.7B	21.3B	22.2B	22.2B	32.0%	—	—	—	—
Op CF	2.8B	2.7B	3.0B	2.9B	1.6%	3.2B	—	—	—
Inv CF	75.0M	2.4B	-10.2B	-5.6B	—	—	—	—	—
Fin CF	-2.7B	-4.7B	7.1B	2.7B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+0.4%

SMA 50SMA 200

$2,165.43

RSI (14)

52.3

52W High

$2,294.10

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*36.1

ROE

10.7%53.6

GP/Assets

4.1%N/A

Op. Margin

39.0%56.1

FCF/Assets

0.6%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

1.62xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.8x57.2

EV/EBITDA

bankN/A

P/FCF

18.0xN/A

P/B

1.2x47.3

P/S

2.7x65.5

Div Yield

0.4%3.6

Momentum

52W High %

94%68.6

RS 6M

4%61.2

SMA 50/200

1.06x59.5

EPS Rev 4W

-0.3%17.0

EPS Rev 12W

-0.6%30.2

EPS Improve

+6%27.7

Q Growth

17%48.4

FUNDAMENTALS

Market Cap

$24.8B

P/E (Forward)

11.2x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FCNCA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FCNCA	First Citizens BancShares, Inc.(you)	$24.8B	52	Hold
KEY	KeyCorp	$23.4B	59	Hold
HBAN	Huntington Bancshares Incorporated	$34.2B	53	Hold
PNFP	Pinnacle Financial Partners, Inc.	$15.3B	55	Hold
RF	Regions Financial Corporation	$25.8B	64	Hold
CFG	Citizens Financial Group, Inc.	$29.4B	63	Hold
FITB	Fifth Third Bancorp	$49.5B	54	Hold
FHN	First Horizon Corporation	$11.7B	55	Hold
WTFC	Wintrust Financial Corporation	$10.3B	54	Hold
MTB	M&T Bank Corporation	$34.3B	68	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$2K
Market Cap	$24.8B
P/E (TTM)	11.85
P/E (Forward)	11.19
Price/Book	1.25
Return on Equity	10.7%
Debt/Equity	1.62x
Operating Margin	39.0%
Revenue Growth	8.5%
Dividend Yield	0.4%
Free Cash Flow	$1.4B