First Citizens BancShares stock
FCNCANASDAQFirst Citizens BancShares, Inc., Financial ServicesISIN US31946M1036
78Score 78 out of 100, Strong
Price and trend
78 / 100
Price history
+27% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 12% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 62).
The price is 2.8% below its 52-week high. Largest decline in 20 years: 64% (February 2007 to March 2009).
Chart figures for advanced users
- SMA 50$2,173.29
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$2,071.06
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)62
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$1,766.01
- The lowest closing price of the last twelve months.
- Resistance$2,382.50
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- First Citizens BancShares, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $25.62B, is number 56 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $9.53B (down 2% year on year) and earnings of $2.21B (down 20.6%).
- For fiscal 2026, analysts expect on average revenue of $8.98B (down 5.8%) and adjusted earnings per share of $206.87 (up 62%).
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- MEQIRI Score 78 out of 100 (Strong): rank 128 of 976 in Financial Services, median 68.
- The P/E is 11.4 (Banks (Regional) median 12.2, own median of recent years 12.5).
- Our model puts fair value at $2,664.21, with the price 13% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for over 39 years.Capital allocation 76
- Earnings per share growingUp 28.4% a year since 2020.Growth 98
- Growing faster than its industryRevenue up 23.4% a year since 2020, Banks (Regional) median 7.5%.Growth 98
Weaknesses
- DilutionShare count up 23% since 2020.
Its standout strengths are growth and momentum.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 9 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $2,049.39 and expensive above $3,806.01 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $2,837.96 (excess return model) and $2,490.46 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $2,427.71, at 7.8% it would be $3,018.95.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 1% on the twelve months before. Up to 2023 the bars include businesses that were later spun off or sold. On a comparable basis, as restated in the SEC annual reports, revenue grew 23.4% a year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 31%, net 23%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 22 Jan 2027in 71 days
- Last reported
- 23 Oct 2026EPS reported $55.37 (expected $46.18)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 7.1% since 15 Oct 2026.
- Earnings per share
- $206.87+5.7%
- Revenue
- $8.98B+1.1%
- Earnings per share
- $216.64+7.1%
- Revenue
- $9.62B+2.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +6.8%First Citizens raised its fourth quarter and full year guidance, lifting loans to $158 billion to $161 billion, deposits to $189 billion to $192 billion, 2026 net interest income to $6.68 billion to $6.75 billion and fee income to $2.22 billion to $2.26 billion, while tightening net charge off …
“Turning to net interest income, we are raising our full-year guidance to $6.68 billion-$6.75 billion, while establishing a fourth quarter range of $1.7 billion-$1.77 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 23 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
2 insiders bought on the open market in the last 6 months, $2.42M in total. One insider sold, $5.16M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Morais Diane E.Purchase
19 Aug 2026, Board
- Shares
- 50
- Price
- $2,168.11
- Value
- $108,405
- Holding Frank B JrPurchase
5 Jun 2026, 10 percent owner, officer: Chairman and CEO
- Shares
- 137
- Price
- $2,018.73
- Value
- $276,566
- Holding Frank B JrPurchase
5 Jun 2026, 10 percent owner, officer: Chairman and CEO
- Shares
- 335
- Price
- $1,920.80
- Value
- $643,467
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- Holding Frank B JrPurchase
5 Jun 2026, 10 percent owner, officer: Chairman and CEO
- Shares
- 528
- Price
- $1,813.37
- Value
- $957,461
- Holding Frank B JrPurchase
4 Jun 2026, 10 percent owner, officer: Chairman and CEO
- Shares
- 25
- Price
- $1,794.99
- Value
- $44,875
- Holding Frank B JrPurchase
4 Jun 2026, 10 percent owner, officer: Chairman and CEO
- Shares
- 225
- Price
- $1,751.95
- Value
- $394,189
- Alemany Ellen RSale
4 Jun 2026, Board
- Shares
- 2,520
- Price
- $2,047.12
- Value
- $5.16M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at First Citizens BancShares
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 78
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- AIB GroupA5G.IR $26.94B73
- Banco BradescoBBD $26.73B60
- Banco Santander (Brasil)BSBR $26.5B46
- E.SUN Financial Holding2884.TW $25.68B69
- Mediobanca Banca di Credito FinanziarioMB.MI $24.61B71
- Banco BPMBAMI.MI $24.57B70
- Mega Financial Holding2886.TW $24.47B64
- Regions FinancialRF $24.4B74
ETFs that hold First Citizens BancShares
Held by 81 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Edge MSCI USA Minimum Volatility Advanced UCITS ETFMVEA | 0.51% | 0.20% | €117.82M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.41% | 0.39% | €188.08M |
| iShares MSCI USA Mid-Cap Equal Weight UCITS ETFQDVC | 0.39% | 0.20% | €268.74M |
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| First Trust US Large Cap Core AlphaDEX UCITS ETFFTGU | 0.39% | 0.75% | €140.24M |
| iShares Edge MSCI World Minimum Volatility Advanced UCITS ETF USD (Acc)MVEW | 0.37% | 0.30% | €306.37M |
| iShares Edge MSCI World Minimum Volatility UCITS ETF USD (Dist)UEEH | 0.36% | 0.30% | €12.76M |
| Xtrackers MSCI World Minimum Volatility UCITS ETF 1CXDEB | 0.36% | 0.25% | €1.38B |
| JPM Global Equity Multi-Factor UCITS ETF USD AccJPGL | 0.25% | 0.19% | €278.91M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 27 Mar 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.