/FCNCA
FCNCA Stock - First Citizens BancShares, Inc.
Financial Services|Banks - RegionalNASDAQ
$2163.09+0.10%
+$2.17 (+0.10%) • Jan 13
71
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.84
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).63
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.92
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+6.4%upside
Target: $2301.53
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ENTRY ZONE$2141.46 – $2184.72
TARGET (TP)$2301.20
STOP LOSS$1990.04
RISK/REWARD1:0.8
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.69
52W High$2412.93
52W Low$1473.62
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $14.94B | $12.64B | $5.10B | $1.90B | $1.92B |
| Gross Profit | $9.30B | $7.58B | $3.98B | $1.88B | $1.76B |
| Gross Margin | 62.2% | 60.0% | 78.2% | 98.7% | 92.0% |
| Operating Income | $3.59B | $12.08B | $1.36B | $701.00M | $618.00M |
| Net Income | $2.78B | $11.47B | $1.10B | $547.00M | $492.00M |
| Net Margin | 18.6% | 90.7% | 21.5% | 28.8% | 25.7% |
| EPS | $189.42 | $785.18 | $67.47 | $53.88 | $47.50 |
Company Overview
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
Visit WebsiteRating Distribution
Strong Buy
1
6%
Buy / Outperform
9
50%
Hold / Neutral
7
39%
Sell / Underperform
1
6%
Analyst Consensus🟡 Mixed
10 Bullish8 Neutral/Bearish
Price Targets
$1952
Average Target
↓ 9.7% Downside
Now
$538
Low
$1952
Average
$2600
High
Based on 20 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| November 20th 2025 | Raymond James | Upgrade | Strong Buy | $2200← $2100 |
| July 28th 2025 | Piper Sandler | Downgrade | Neutral | $2150 |
| May 21st 2025 | Jefferies | Initiation | Hold | $2050 |
| May 15th 2025 | TD Cowen | Initiation | Buy | $2400 |
| March 11th 2025 | Piper Sandler | Upgrade | Overweight | $2250 |
| January 14th 2025 | Keefe Bruyette | Upgrade | Outperform | $2500 |
| December 17th 2024 | UBS | Resumed | Buy | - |
| December 9th 2024 | Deutsche Bank | Initiation | Buy | $2600 |
| December 4th 2024 | Keefe Bruyette | Downgrade | Market Perform | $2500← $2100 |
| September 24th 2024 | Wedbush | Downgrade | Neutral | $2150← $2450 |
| July 9th 2024 | Jefferies | Initiation | Buy | $2005 |
| July 2nd 2024 | Raymond James | Upgrade | Outperform | $1900 |
| April 26th 2024 | Piper Sandler | Downgrade | Neutral | $1950← $1850 |
| April 11th 2024 | Barclays | Initiation | Equal Weight | $1850 |
| March 21st 2024 | Goldman | Initiation | Buy | $1950 |
Earnings History & Surprises
FCNCABeat Rate
72%
Last 18 quarters
Avg Surprise
+14.6%
EPS vs Estimate
Beats / Misses
13/5
Last 12 quarters
Latest EPS
$44.62
Q4 2025
EPS Surprise History
Q1 24
-3.9%
$46.58vs$48.49
Q2 24
+22.1%
$52.92vs$43.34
Q3 24
+13.6%
$50.87vs$44.78
Q4 24
-3.2%
$45.87vs$47.40
Q1 25
+14.7%
$45.10vs$39.32
Q2 25
-0.3%
$37.79vs$37.91
Q3 25
+12.8%
$44.78vs$39.71
Q4 25
+6.6%
$44.62vs$41.87
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 23, 2026 | $44.21 | — | — | — |
Q4 2025 | Oct 23, 2025 | $41.87 | $44.62 | +6.6% | ✓ BEAT |
Q3 2025 | Jul 25, 2025 | $39.71 | $44.78 | +12.8% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $37.91 | $37.79 | -0.3% | ✗ MISS |
Q1 2025 | Jan 24, 2025 | $39.32 | $45.10 | +14.7% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | $47.40 | $45.87 | -3.2% | ✗ MISS |
Q3 2024 | Jul 25, 2024 | $44.78 | $50.87 | +13.6% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $43.34 | $52.92 | +22.1% | ✓ BEAT |
Q1 2024 | Jan 26, 2024 | $48.49 | $46.58 | -3.9% | ✗ MISS |
Q4 2023 | Oct 26, 2023 | $47.94 | $55.92 | +16.6% | ✓ BEAT |
Q3 2023 | Aug 3, 2023 | $45.92 | $52.60 | +14.5% | ✓ BEAT |
Q2 2023 | May 10, 2023 | $21.17 | $20.09 | -5.1% | ✗ MISS |
Q1 2023 | Jan 26, 2023 | $21.77 | $16.67 | -23.4% | ✗ MISS |
Q4 2022 | Oct 27, 2022 | $17.45 | $19.25 | +10.3% | ✓ BEAT |
Q3 2022 | Jul 28, 2022 | $15.12 | $16.86 | +11.5% | ✓ BEAT |
Q2 2022 | Apr 28, 2022 | $13.76 | $18.95 | +37.7% | ✓ BEAT |
Q1 2022 | Jan 26, 2022 | $5.95 | $12.09 | +103.2% | ✓ BEAT |
Q4 2021 | Oct 27, 2021 | $11.48 | $12.17 | +6.0% | ✓ BEAT |
Q3 2021 | Aug 3, 2021 | $11.74 | $15.09 | +28.5% | ✓ BEAT |
Latest News
Barclays Maintains Equal-Weight on First Citizens BancShares, Raises Price Target to $2456
📈 PositiveBenzinga•Jan 5, 2026, 02:38 PM•Also:
Citigroup Maintains Neutral on First Citizens BancShares, Raises Price Target to $2250
➖ NeutralBenzinga•Dec 30, 2025, 01:53 PM•Also:
JP Morgan Maintains Overweight on First Citizens BancShares, Raises Price Target to $2500
📈 PositiveBenzinga•Dec 16, 2025, 03:45 PM
Shares of stocks in the broader financial sector are trading higher amid overall market strength following the Fed's rate cut announcement.
📈 PositiveBenzinga•Dec 10, 2025, 08:41 PM•Also: , ,
First Citizens BancShares' Unit Acquires Downtown San Francisco Building; Terms Not Disclosed
📈 PositiveBenzinga•Nov 19, 2025, 02:05 PM
Truist Securities Maintains Hold on First Citizens BancShares, Raises Price Target to $2050
➖ NeutralBenzinga•Oct 28, 2025, 03:54 PM
Park National Signs Agreement To Acquire First Citizens Bancshares, Subsidiary For $317.3M In Transaction Value
📈 PositiveBenzinga•Oct 27, 2025, 08:16 PM•Also:
Citigroup Maintains Neutral on First Citizens BancShares, Lowers Price Target to $2000
➖ NeutralBenzinga•Oct 27, 2025, 04:48 PM•Also:
Keefe, Bruyette & Woods Maintains Outperform on First Citizens BancShares, Lowers Price Target to $2050
➖ NeutralBenzinga•Oct 24, 2025, 03:43 PM•Also:
Piper Sandler Maintains Neutral on First Citizens BancShares, Lowers Price Target to $2000
➖ NeutralBenzinga•Oct 24, 2025, 02:39 PM•Also:
Barclays Maintains Equal-Weight on First Citizens BancShares, Lowers Price Target to $2190
➖ NeutralBenzinga•Oct 24, 2025, 01:43 PM•Also: ,
First Citizens BancShares Raises Dividend By 7.7% To $2.10/Share ($1.95 Prior)
📈 PositiveBenzinga•Oct 23, 2025, 10:36 AM
First Citizens BancShares Q3 Adj. EPS $44.62 Beats $41.97 Estimate, Sales $2.433B Beat $2.288B Estimate
📈 PositiveBenzinga•Oct 23, 2025, 10:34 AM
First Citizens Bank to Acquire 138 BMO Branches Across Midwest, Great Plains, and Western US, Assumes $5.7B in Deposits and $1.1B in Loans with BMO Branch Acquisition
📈 PositiveBenzinga•Oct 16, 2025, 10:36 AM
Goldman Sachs Maintains Buy on First Citizens BancShares, Lowers Price Target to $1950
➖ NeutralBenzinga•Oct 6, 2025, 05:39 PM
Truist Securities Maintains Hold on First Citizens BancShares, Lowers Price Target to $2000
➖ NeutralBenzinga•Oct 3, 2025, 02:53 PM
Frequently Asked Questions about FCNCA
What is FCNCA's current stock price?
First Citizens BancShares, Inc. (FCNCA) is currently trading at $2163.09 per share. The stock has moved +0.10% today.
What is the analyst price target for FCNCA?
The average analyst price target for FCNCA is $2301.20, based on 1 analyst.
What sector is First Citizens BancShares, Inc. in?
First Citizens BancShares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is FCNCA's market cap?
First Citizens BancShares, Inc. has a market capitalization of $26.90 billion, making it a large-cap company.
Does FCNCA pay dividends?
No, First Citizens BancShares, Inc. does not currently pay a dividend to shareholders.
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