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FCNCA

BUY

First Citizens BancShares, Inc. · Financial Services · United States · $24.6B · Avg Vol: $207M/d

67
StockRank
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Q
50
V
46
M
64
P/E (TTM)
12.2x
ROE
10.2%
D/E
1.6x
Dividend %
0.4%
Dir. Trades · 180d
+$13M · −$15.4M →
Buybacks · 180d
$3.4B →

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)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue4.5B8.8B9.5B9.3B26.9%9.1B9.3B9.6B2.0%
EPS67.47785.14189.42165.2434.8%169.84168.46183.255.3%
Shares14.5M14.5M13.7M12.1M-16.3%10.6M———
Debt6.6B37.6B37.0B36.1B76.6%36.0B———
Equity9.7B21.3B22.2B22.2B32.0%————
Op CF2.8B2.7B3.0B2.9B1.6%3.0B———
Inv CF75.0M2.4B-10.2B-5.6B—————
Fin CF-2.7B-4.7B7.1B2.7B—————
Loading 1Y...
PRICE (1Y)+6.2%
2,0452,0872,1292,1712,213Jun 15Jul 8Jul 28
SMA 50SMA 200
Close
$2,198.00
RSI (14)
63.6
52W High
$2,237.82
From 52W High
1.0%

SCORE BREAKDOWN

Quality
50
ROIC (ROA)
1.0%*36.5
ROE
10.2%53.4
GP/Assets
4.0%N/A
Op. Margin
34.2%52.6
FCF/Assets
0.6%N/A
Piotroski
565.2
Int. Cover
—50.0
D/E Ratio
1.62xN/A
Current Ratio
bankN/A
Value
46
P/E (TTM)
12.2x56.9
EV/EBITDA
bankN/A
P/FCF
17.9xN/A
P/B
1.2x47.6
P/S
2.6x68.1
Div Yield
0.4%2.1
Momentum
64
52W High %
98%81.2
RS 6M
2%60.5
SMA 50/200
1.04x55.7
EPS Rev 4W
+1.1%89.6
EPS Rev 12W
+0.4%62.2
EPS Improve
+18%44.4
Q Growth
11%45.3

FUNDAMENTALS

Market Cap
$24.6B
P/E (Forward)
10.4x
Gross Margin
—

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
FCNCAFirst Citizens BancShares, Inc.(you)$24.6B67BUY
KEYKeyCorp$24.3B67BUY
RFRegions Financial Corporation$26.3B73BUY
CFGCitizens Financial Group, Inc.$30.4B77BUY
EWBCEast West Bancorp, Inc.$17.9B76BUY
FHNFirst Horizon Corporation$12.1B62HOLD
TFCTruist Financial Corporation$63.2B68BUY
SSBSouthState Bank Corporation$10.3B70BUY
FITBFifth Third Bancorp$52.0B62HOLD
WTFCWintrust Financial Corporation$10.7B63HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

First Citizens BancShares, Inc. (FCNCA) — Stock Score Summary

First Citizens BancShares, Inc. (FCNCA) has a MoatMap StockRank of 67/100 based on Quality (50/100), Value (46/100), and Momentum (64/100) factor scores. The current signal is BUY.

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.

Key Financial Metrics

Price$2K
Market Cap$24.6B
P/E (TTM)12.22
P/E (Forward)10.36
Price/Book1.20
Return on Equity10.2%
Debt/Equity1.62x
Operating Margin34.2%
Revenue Growth4.9%
Dividend Yield0.4%
Free Cash Flow$1.4B

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

Frequently Asked Questions

What is First Citizens BancShares, Inc.’s (FCNCA) StockRank?
MoatMap’s StockRank for First Citizens BancShares, Inc. (FCNCA) is 67/100, with a Buy signal. It is a composite of Quality (50), Value (46), and Momentum (64) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Citizens BancShares, Inc. have an economic moat?
First Citizens BancShares, Inc. (FCNCA) has a Quality factor score of 50/100. 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 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 Buy, based on a StockRank of 67/100. 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).
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