First Citizens BancShares Inc (FCNCA) stock
FCNCANasdaqState Commercial BanksFiscal year ends December 31Also trades as FCNCB, FCNCN, FCNCO, FCNCP
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 15/300% below fair value
$2317.86+2.25 (+0.10%)
Close on Nov 12, 2026Market cap $26.18BP/E 11.9Yield 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
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.26
- 1.52
- P/OCF Ratio
- 8.27
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 5.17
- 2.95
- EV / FCF
- 20.12
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -12.2%
- 0.35%
- Float
- 10M
- 17M
- Shares Held by Insiders
- 15.2%
- 6.05%
- Shares Held by Institutions
- 59.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 425,973
- –
- Short Interest Change
- -3.76%
- -4.13%
- Days to Cover
- 4.07
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $2429.96
- –
- 52-Week Low
- $1759.27
- –
- 20-Day Moving Average
- $2282.98
- –
- 50-Day Moving Average
- $2176.11
- –
- 200-Day Moving Average
- $2072.75
- –
- Average True Range (14)
- $56.48
- –
- Price Change (1 Week)
- 0.57%
- 0.51%
- Price Change (1 Month)
- 12.8%
- 4.83%
- Price Change (3 Months)
- 1.16%
- -3.58%
- Price Change (6 Months)
- 19.6%
- 10.8%
- Price Change (YTD)
- 8.00%
- 19.6%
- Price Change (1 Year)
- 27.5%
- 25.4%
- Price Change (3 Years)
- 64.7%
- 76.7%
- Price Change (5 Years)
- 177.3%
- 26.5%
- Price Change (10 Years)
- 617.6%
- 67.0%
- Average Volume (10 Days)
- 83,929
- –
- Average Volume (20 Days)
- 96,860
- –
- Average Volume (90 Days)
- 72,910
- –
- Relative Volume
- 0.80
- 0.67
- Relative Strength Index (14)
- 59.6
- 52.6
- Volatility (1 Year)
- 27.1%
- 24.4%
- Beta (5 Years)
- 1.02
- 0.63
MarginsIndustry
- Pretax Margin
- 33.4%
- 36.9%
- FCF Margin
- 25.7%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 11.0%
- 10.8%
- Return on Assets (ROA)
- 1.01%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 1.13
- 0.21
- Debt / FCF
- 9.91
- 1.42
GrowthIndustry
- Revenue Growth (YoY)
- 1.08%
- 11.8%
- Net Income Growth (YoY)
- 2.84%
- 22.7%
- EPS Growth (YoY)
- 15.4%
- 21.6%
- FCF Growth (YoY)
- 2.96%
- 27.5%
- 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
- $359.04K
- Profits Per Employee
- $133.81K
- $110.51K
- Employee Count
- 17,876
- 492
- WACC
- 7.65%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $3.21B
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- -$23.49B
- $166.15M
- Net Cash Per Share
- -$2079.94
- $8.19
- Equity (Book Value)
- $21.58B
- $570.13M
- Book Value Per Share
- $1910.63
- $28.22
- Tangible Book Value
- $20.81B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$699.00M
- -$4.27M
- FCF Per Share
- $218.54
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 9.14%
- 8.32%
- FCF Yield
- 9.43%
- 9.23%
- Dividend Yield
- 0.34%
- 2.44%
- Buyback Yield
- 11.5%
- 1.80%
- Shareholder Yield
- 11.8%
- 3.22%
- Dividend Per Share
- $7.95
- $0.92
- Dividend Growth (YoY)
- 15.7%
- 4.26%
- Years of Dividend Growth
- 9
- 2
- Payout Ratio
- 8.32%
- 29.0%
- FCF Payout Ratio
- 8.06%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $820.00M
- $16.14M
- Effective Tax Rate
- 25.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $2896.73
- $45.31
- Graham Upside
- 25.0%
- 18.8%
- Altman Z-Score
- 0.23
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $4879.75
- –
- Lynch Upside
- 110.5%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FCNCA | S&P 500 | Difference | FCNCA per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +11.3% | -2.7% | +14.0 pts | ||
| 3 months | +2.1% | -1.7% | +3.9 pts | ||
| Year to date | +8.3% | +11.9% | −3.6 pts | ||
| 1 year | +27.0% | +12.0% | +15.0 pts | ||
| 3 years | +66.9% | +78.2% | −11.3 pts | +18.6% | +21.2% |
| 5 years | +182.0% | +73.2% | +108.8 pts | +23.0% | +11.6% |
| 10 years | +642.8% | +309.6% | +333.2 pts | +22.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M FCNCA shares were sold short on Oct 30, 2026, down 3.8% from the previous report. At recent volumes it would take 4.1 days to buy them back. Over the last 20 sessions, 71.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 425,973 | -3.8% | 104,665 | 4.1 |
| Oct 15, 2026 | 442,638 | -6.7% | 59,762 | 7.4 |
| Sep 30, 2026 | 474,638 | +1.4% | 68,469 | 6.9 |
| Sep 15, 2026 | 468,081 | +4.3% | 62,532 | 7.5 |
| Aug 31, 2026 | 448,965 | +6.9% | 53,683 | 8.4 |
| Aug 14, 2026 | 419,937 | -7.1% | 48,838 | 8.6 |
| Jul 31, 2026 | 452,006 | -11.7% | 85,224 | 5.3 |
| Jul 15, 2026 | 511,825 | -1.0% | 81,516 | 6.3 |
| Jun 30, 2026 | 516,908 | -12.1% | 101,086 | 5.1 |
| Jun 15, 2026 | 587,951 | +0.2% | 77,847 | 7.5 |
| May 29, 2026 | 586,704 | +8.0% | 67,633 | 8.7 |
| May 15, 2026 | 543,434 | -1.2% | 52,298 | 10.4 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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