First Citizens BancShares Inc (FCNCN) stock
FCNCNNasdaqState Commercial BanksFiscal year ends December 31Also trades as FCNCA, FCNCB, FCNCO, FCNCP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026Score 13/303% above fair value
$21.89−0.24 (-1.08%)
Close on Oct 30, 2026Market cap $26.57BP/E 12.6Yield 0.34%
First Citizens BancShares statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 22, 2027 (estimated, before the open)
- Last ex-dividend date
- Nov 30, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Oct 30, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.24
- 1.48
- P/OCF Ratio
- 8.35
- 10.39
Enterprise valuationIndustry
- EV / Sales
- 5.95
- 2.94
- EV / FCF
- 23.30
- 8.39
Share statisticsIndustry
- Shares Change (YoY)
- -11.7%
- 0.42%
- Float
- 10M
- 17M
- Shares Held by Insiders
- 15.2%
- 5.92%
- Shares Held by Institutions
- 59.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 474,638
- –
- Short Interest Change
- 1.40%
- 2.35%
- Days to Cover
- 6.93
- 4.88
Stock price statisticsIndustry
- 52-Week High
- $2429.96
- –
- 52-Week Low
- $1759.27
- –
- 20-Day Moving Average
- $2175.95
- –
- 50-Day Moving Average
- $2150.18
- –
- 200-Day Moving Average
- $2062.83
- –
- Average True Range (14)
- $57.64
- –
- Price Change (1 Week)
- -0.98%
- -0.25%
- Price Change (1 Month)
- 13.5%
- 2.48%
- Price Change (3 Months)
- 6.05%
- -3.51%
- Price Change (6 Months)
- 18.5%
- 8.56%
- Price Change (YTD)
- 9.62%
- 19.7%
- Price Change (1 Year)
- 31.7%
- 28.3%
- Price Change (3 Years)
- 70.4%
- 81.0%
- Price Change (5 Years)
- 189.1%
- 30.4%
- Price Change (10 Years)
- 708.5%
- 81.4%
- Average Volume (10 Days)
- 110,755
- –
- Average Volume (20 Days)
- 84,649
- –
- Average Volume (90 Days)
- 73,157
- –
- Relative Volume
- 0.96
- 0.87
- Relative Strength Index (14)
- 68.1
- 53.3
- Volatility (1 Year)
- 27.1%
- 24.3%
- Beta (5 Years)
- 1.02
- 0.63
MarginsIndustry
- Pretax Margin
- 32.8%
- 36.7%
- FCF Margin
- 25.6%
- 33.0%
Returns on capitalIndustry
- Return on Equity (ROE)
- 10.7%
- 10.6%
- Return on Assets (ROA)
- 1.01%
- 1.12%
Financial positionIndustry
- Debt / Equity
- 1.47
- 0.20
- Debt / FCF
- 13.10
- 1.83
GrowthIndustry
- Revenue Growth (YoY)
- 0.94%
- 11.8%
- Net Income Growth (YoY)
- -1.79%
- 23.3%
- EPS Growth (YoY)
- 10.4%
- 22.9%
- FCF Growth (YoY)
- -5.65%
- 29.2%
- Revenue Growth (3Y CAGR)
- 23.4%
- 5.82%
- Revenue Growth (5Y CAGR)
- 38.6%
- 6.17%
- EPS Growth (3Y CAGR)
- 34.8%
- 1.31%
- EPS Growth (5Y CAGR)
- 28.3%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $537.87K
- $356.83K
- Profits Per Employee
- $131.69K
- $107.97K
- Employee Count
- 17,876
- 492
- WACC
- 7.42%
- 8.05%
Income statement (TTM)Industry
- Pretax Income
- $3.16B
- $70.72M
Balance sheetIndustry
- Net Cash (Debt)
- -$30.67B
- $162.18M
- Net Cash Per Share
- -$2715.72
- $8.22
- Equity (Book Value)
- $21.90B
- $560.97M
- Book Value Per Share
- $1939.23
- $28.41
- Tangible Book Value
- $21.38B
- $476.95M
Cash flow (TTM)Industry
- Capital Expenditures
- -$724.00M
- -$4.13M
- FCF Per Share
- $217.57
- $3.24
Dividends and yieldsIndustry
- Earnings Yield
- 8.86%
- 7.92%
- FCF Yield
- 9.25%
- 8.68%
- Dividend Yield
- 0.34%
- 2.48%
- Buyback Yield
- 12.4%
- 1.54%
- Shareholder Yield
- 12.8%
- 3.25%
- Dividend Per Share
- $7.95
- $0.93
- Dividend Growth (YoY)
- 15.7%
- 4.26%
- Years of Dividend Growth
- 9
- 2
- Payout Ratio
- 7.86%
- 29.2%
- FCF Payout Ratio
- 7.53%
- 25.8%
Taxes and interestIndustry
- Income Tax
- $804.00M
- $14.60M
- Effective Tax Rate
- 25.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $2856.76
- $45.40
- Graham Upside
- 21.4%
- 17.8%
- Altman Z-Score
- 0.24
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $4676.00
- –
- Lynch Upside
- 98.8%
- -1.46%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Oct 30, 2026. The S&P 500 is measured by the SPY fund.
| Period | FCNCN | S&P 500 | Difference | FCNCN per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -4.8% | -0.9% | −3.9 pts | ||
| 3 months | -11.0% | +2.1% | −13.1 pts |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 15, 2026.
0M FCNCN shares were sold short on Oct 15, 2026, down 46.8% from the previous report. At recent volumes it would take 1.0 days to buy them back. Over the last 20 sessions, 24.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 15, 2026 | 8,411 | -46.8% | 41,919 | 1.0 |
| Sep 30, 2026 | 15,804 | -81.1% | 49,337 | 1.0 |
| Sep 15, 2026 | 83,563 | +0.2% | 31,626 | 2.6 |
| Aug 31, 2026 | 83,374 | -3.9% | 15,478 | 5.4 |
| Aug 14, 2026 | 86,743 | -8.1% | 12,834 | 6.8 |
| Jul 31, 2026 | 94,436 | -43.9% | 29,677 | 3.2 |
| Jul 15, 2026 | 168,319 | +83.7% | 21,556 | 7.8 |
| Jun 30, 2026 | 91,618 | +20.1% | 97,177 | 1.0 |
| Jun 15, 2026 | 76,265 | -68.6% | 34,831 | 2.2 |
| May 29, 2026 | 243,176 | +0.3% | 27,280 | 8.9 |
| May 15, 2026 | 242,552 | -17.2% | 22,584 | 10.7 |
| Apr 30, 2026 | 292,811 | +6.9% | 30,072 | 9.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.