FCNCA
Neutral signalScored 2026-10-18 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
First Citizens BancShares, Inc.
- Nom
- First Citizens BancShares, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $27.1B
- Employés
- 18,141
- PDG
- Frank Brown Holding Jr.
- Site web
- https://www.firstcitizens.com
- Marché
- BOKFCBSHCFGHBANKEYMTB
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Decouvert par les declarations du Congres
- Insiders
- —
- Total bought
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—
Avg buy (VWAP, 90d window) $2,168.13 vs last close —
- Total sold
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Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- —
- Last synced
-
2026-10-18 17:07:39
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-19 | Morais Diane E. | Buy · P | 46 | $2,168.13 | $99,734 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-09-09 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2026-04-14 | Thomas Kean | Sale (Full) | $1,001 - $15,000 |
| 2026-03-26 | Thomas Kean | Sale (Partial) | $1,001 - $15,000 |
| 2026-02-05 | Thomas Kean | Purchase | $1,001 - $15,000 |
| 2025-04-11 | Thomas Kean | Purchase | $1,001 - $15,000 |
| 2025-04-10 | Thomas Kean | Purchase | $1,001 - $15,000 |
| 2025-03-20 | Byron Donalds | Sale (Full) | $1,001 - $15,000 |
| 2025-03-20 | Byron Donalds | Sale (Full) | $1,001 - $15,000 |
| 2025-01-21 | Byron Donalds | Purchase | $1,001 - $15,000 |
| 2025-01-21 | Byron Donalds | Purchase | $1,001 - $15,000 |
| 2025-01-16 | Byron Donalds | Purchase | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Purchase | $15,001 - $50,000 |
Signal
Neutral signalScored 2026-10-18 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
The 0-100 score behind this signal and the full written analysis are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. No open-market purchase or sale value stored
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 1.03 · operating margin 20%
Recent news
- 2026-10-16 Will First Citizens (FCNCA) Beat Estimates Again in Its Next Earnings Report? First Citizens (FCNCA) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
- 2026-10-16 First Citizens BancShares (FCNCA) Reports Next Week: Wall Street Expects Earnings Growth First Citizens (FCNCA) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-08 Pivot Energy Closes $173 Million Term Loan Facility for 135 MWdc Distributed Solar Portfolio DENVER, Oct. 8, 2026 /PRNewswire/ -- Pivot Energy, an impact-focused independent power producer of distributed-scale solar and energy storage, today announced the closing of a $173 million term loan facility for a portfolio of 51 community-scale solar projects totaling 135 Megawatts (MWdc) across six states. Long-time financial partners First Citizens Bank ("First Citizens"), Huntington Bank, and BankUnited provided the takeout financing.
- 2026-10-07 Halloween Budgets Top Thanksgiving: 38% Plan to Spend $300 or More, CIT Bank Survey Finds New research shows Millennials and Gen Z plan to outspend the $210 overall average, even as consumers report greater sensitivity to Halloween costs. RALEIGH, N.C.
- 2026-10-06 First Citizens Bank Launches New Innovation Banking Brand Bank kicks off new marketing campaign "Where Silicon Valley Banks" SAN FRANCISCO, Oct. 6, 2026 /PRNewswire/ -- First Citizens Bank, a top 20 U.S. bank, today announced the official launch of First Citizens Innovation Banking, its division dedicated to serving the innovation economy in the U.S. and internationally. The company is also launching First Citizens Fund Banking to support its large portfolio of private equity and venture capital clients.
- 2026-10-05 First Citizens BancShares vs MP Materials: A Tale of 2 Regulation Bets Washington has spent the past year and a half writing checks to private companies, and the scoreboard on those investments has been rough. The quieter story—a lighter supervisory touch on banks—has barely made the front page.
- 2026-09-30 First Citizens BancShares, Inc. Announces Date of Third Quarter 2026 Earnings Call RALEIGH, N.C., Sept. 30, 2026 /PRNewswire/ -- First Citizens BancShares, Inc. ("BancShares") (NASDAQ: FCNCA) today announced it will report its financial results for the quarter ended September 30, 2026, before the U.S. financial markets open on Friday, October 23, 2026.
- 2026-09-20 First Citizens BancShares (NASDAQ:FCNCA) Major Shareholder Sells $136,710.00 in Stock First Citizens BancShares, Inc. (NASDAQ: FCNCA - Get Free Report) major shareholder Olivia Britton Holding sold 7,000 shares of the business''s stock in a transaction that occurred on Tuesday, September 15th. The shares were sold at an average price of $19.53, for a total value of $136,710.00. Following the transaction, the insider directly owned 15,000 shares
- 2026-09-17 CB Insights Joins Silicon Valley Bank''s Partner Network to Give Innovators a Competitive Edge Exclusive offer provides select SVB clients access to private company ratings and intelligence relied on by the world''s leading companies SAN FRANCISCO, Sept. 17, 2026 /PRNewswire/ -- CB Insights, the authority on private technology companies, today announced a new partnership with Silicon Valley Bank (SVB), a division of First Citizens Bank.
- 2026-09-14 First Citizens Bank Provides $157 Million to Morningstar Properties Funding will be used to refinance Blue Doors Storage Fund IV RALEIGH, N.C., Sept. 14, 2026 /PRNewswire/ -- First Citizens Bank today announced that its Middle Market Banking business provided $157 million in financing to Morningstar Properties, a leading investor in and operator of self-storage facilities, marinas, and other specialty real estate assets.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 61.4% | 62.2% | 60.0% | 78.2% | 98.7% | |
| Ebit Margin | 20.5% | 24.0% | 95.6% | 26.7% | 36.9% | |
| Ebitda Margin | 23.3% | 24.9% | 95.1% | 37.2% | 44.4% | |
| Operating Profit Margin | 20.5% | 24.0% | 95.6% | 26.7% | 36.9% | |
| Pretax Profit Margin | 20.5% | 24.0% | 95.6% | 26.7% | 36.9% | |
| Continuous Operations Profit Margin | 15.2% | 18.6% | 90.7% | 21.5% | 28.8% | |
| Net Profit Margin | 15.2% | 18.6% | 90.7% | 21.5% | 28.8% | |
| Bottom Line Profit Margin | 14.8% | 18.2% | 90.3% | 20.6% | 27.9% | |
| Current Ratio | 1.031 | 0.383 | 0.393 | 0.189 | 0.383 | |
| Quick Ratio | 1.031 | 0.383 | 0.393 | 0.189 | 0.383 | |
| Solvency Ratio | 0.013 | 0.014 | 0.059 | 0.016 | 0.013 | |
| Cash Ratio | 0.126 | 0.142 | 0.235 | 0.060 | 0.182 | |
| Price To Earnings Ratio | 12.948 | 11.155 | 1.807 | 11.240 | 15.402 | |
| Price To Earnings Growth Ratio | -1.037 | -0.147 | 0.002 | 0.446 | 1.147 | |
| Forward Price To Earnings Growth Ratio | -1.037 | -0.147 | 0.002 | 0.446 | 1.147 | |
| Price To Earnings Diluted Ratio | 12.948 | 11.156 | 1.809 | 11.252 | 15.402 | |
| Price To Earnings Diluted Growth Ratio | -1.037 | -0.147 | 0.002 | 0.448 | 1.147 | |
| Price To Book Ratio | 1.193 | 1.363 | 0.970 | 1.219 | 1.719 | |
| Price To Sales Ratio | 1.830 | 2.028 | 1.631 | 2.311 | 4.289 | |
| Price To Free Cash Flow Ratio | 12.812 | 20.857 | 16.733 | 6.316 | -20.833 | |
| Price To Operating Cash Flow Ratio | 9.077 | 10.142 | 7.750 | 4.220 | -28.682 | |
| Debt To Assets Ratio | 0.157 | 0.167 | 0.178 | 0.064 | 0.031 | |
| Debt To Equity Ratio | 1.619 | 1.683 | 1.790 | 0.724 | 0.377 | |
| Debt To Capital Ratio | 0.618 | 0.627 | 0.642 | 0.420 | 0.274 | |
| Long Term Debt To Capital Ratio | 0.617 | 0.623 | 0.636 | 0.315 | 0.201 | |
| Financial Leverage Ratio | 10.329 | 10.065 | 10.057 | 11.312 | 12.307 | |
| Working Capital Turnover Ratio | -0.318 | -0.161 | -0.154 | -0.096 | -0.059 | |
| Operating Cash Flow Ratio | 0.018 | 0.019 | 0.018 | 0.030 | -0.005 | |
| Operating Cash Flow Sales Ratio | 0.202 | 0.200 | 0.210 | 0.548 | -0.150 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.709 | 0.486 | 0.463 | 0.668 | 1.377 | |
| Debt Service Coverage Ratio | 0.503 | 0.521 | 2.740 | 0.615 | 1.062 | |
| Interest Coverage Ratio | 0.599 | 0.689 | 3.283 | 2.916 | 11.492 | |
| Short Term Operating Cash Flow Coverage Ratio | 13.049 | 8.142 | 5.485 | 1.277 | -0.482 | |
| Operating Cash Flow Coverage Ratio | 0.081 | 0.080 | 0.070 | 0.399 | -0.159 | |
| Capital Expenditure Coverage Ratio | 3.431 | 1.947 | 1.863 | 3.014 | -2.654 | |
| Dividend Paid And Capex Coverage Ratio | 2.885 | 1.765 | 1.722 | 2.766 | -1.906 | |
| Dividend Payout Ratio | 0.073 | 0.057 | 0.010 | 0.076 | 0.077 | |
| Enterprise Value Multiple | 12.423 | 12.234 | 2.009 | 6.983 | 0.565 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 61.4% | ▼-0.8% | ▼-10.7% |
| Ebit Margin | 20.5% | ▼-3.5% | ▼-20.2% |
| Ebitda Margin | 23.3% | ▼-1.6% | ▼-21.7% |
| Operating Profit Margin | 20.5% | ▼-3.5% | ▼-20.2% |
| Pretax Profit Margin | 20.5% | ▼-3.5% | ▼-20.2% |
| Continuous Operations Profit Margin | 15.2% | ▼-3.4% | ▼-19.8% |
| Net Profit Margin | 15.2% | ▼-3.4% | ▼-19.8% |
| Bottom Line Profit Margin | 14.8% | ▼-3.4% | ▼-19.5% |
| Current Ratio | 1.031 | ▲0.648 | ▲0.555 |
| Quick Ratio | 1.031 | ▲0.648 | ▲0.555 |
| Solvency Ratio | 0.013 | ▼-0.002 | ▼-0.011 |
| Cash Ratio | 0.126 | ▼-0.016 | ▼-0.023 |
| Price To Earnings Ratio | 12.947 | ▲1.792 | ▲2.437 |
| Price To Earnings Growth Ratio | -1.037 | ▼-0.889 | ▼-1.119 |
| Forward Price To Earnings Growth Ratio | -1.037 | ▼-0.889 | ▼-1.119 |
| Price To Earnings Diluted Ratio | 12.947 | ▲1.792 | ▲2.434 |
| Price To Earnings Diluted Growth Ratio | -1.037 | ▼-0.890 | ▼-1.119 |
| Price To Book Ratio | 1.193 | ▼-0.170 | ▼-0.100 |
| Price To Sales Ratio | 1.830 | ▼-0.198 | ▼-0.588 |
| Price To Free Cash Flow Ratio | 12.812 | ▼-8.045 | ▲5.635 |
| Price To Operating Cash Flow Ratio | 9.077 | ▼-1.065 | ▲8.576 |
| Debt To Assets Ratio | 0.157 | ▼-0.010 | ▲0.037 |
| Debt To Equity Ratio | 1.619 | ▼-0.064 | ▲0.381 |
| Debt To Capital Ratio | 0.618 | ▼-0.009 | ▲0.102 |
| Long Term Debt To Capital Ratio | 0.617 | ▼-0.006 | ▲0.138 |
| Financial Leverage Ratio | 10.329 | ▲0.264 | ▼-0.485 |
| Working Capital Turnover Ratio | -0.318 | ▼-0.157 | ▼-0.161 |
| Operating Cash Flow Ratio | 0.018 | ▼-0.001 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.202 | ▲0.002 | ▼-0.000 |
| Free Cash Flow Operating Cash Flow Ratio | 0.709 | ▲0.222 | ▼-0.032 |
| Debt Service Coverage Ratio | 0.503 | ▼-0.018 | ▼-0.585 |
| Interest Coverage Ratio | 0.599 | ▼-0.091 | ▼-3.197 |
| Short Term Operating Cash Flow Coverage Ratio | 13.049 | ▲4.907 | ▲7.555 |
| Operating Cash Flow Coverage Ratio | 0.081 | ▲0.001 | ▼-0.013 |
| Capital Expenditure Coverage Ratio | 3.431 | ▲1.484 | ▲1.911 |
| Dividend Paid And Capex Coverage Ratio | 2.885 | ▲1.121 | ▲1.439 |
| Dividend Payout Ratio | 0.073 | ▲0.016 | ▲0.015 |
| Enterprise Value Multiple | 12.423 | ▲0.189 | ▲5.580 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $26.53B | $30.30B | $20.61B | $11.78B | $8.15B | |
| Enterprise value | $41.94B | $45.53B | $24.15B | $13.23B | $476.7M | |
| EV / Sales | 2.89x | 3.05x | 1.91x | 2.60x | 0.25x | |
| EV / Op. cash flow | 14.35x | 15.24x | 9.08x | 4.74x | -1.68x | |
| EV / Free cash flow | 20.25x | 31.34x | 19.60x | 7.09x | -1.22x | |
| EV / EBITDA | 12.42x | 12.23x | 2.01x | 6.98x | 0.56x | |
| Net debt / EBITDA | 4.56x | 4.09x | 0.29x | 0.77x | -9.09x | |
| Current ratio | 1.03x | 0.38x | 0.39x | 0.19x | 0.38x | |
| Income quality | 1.32x | 1.08x | 0.23x | 2.54x | -0.52x | |
| Graham number | $3K | $3K | $5K | $995 | $778 | |
| Graham net-net | -$6K | -$10K | -$9K | -$5K | -$3K | |
| Tax burden | 74.3% | 77.3% | 94.9% | 80.6% | 78.0% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $5.05B | -$96.15B | -$89.21B | -$74.52B | -$32.10B | |
| Invested capital | $17.66B | -$83.89B | -$77.55B | -$64.05B | -$30.41B | |
| Return on assets | 1.0% | 1.2% | 5.4% | 1.0% | 0.9% | |
| Operating ROA | 1.3% | 1.6% | 7.5% | 1.6% | 1.3% | |
| Return on tangible assets | 1.0% | 1.2% | 5.4% | 1.0% | 0.9% | |
| Return on equity | 9.9% | 12.5% | 53.9% | 11.4% | 11.5% | |
| Return on invested capital | 3.3% | 4.1% | 17.1% | 5.6% | 7.9% | |
| Return on capital employed | 4.5% | 5.3% | 18.1% | 7.8% | 11.1% | |
| Earnings yield | 8.3% | 9.2% | 55.6% | 9.3% | 6.7% | |
| Free cash flow yield | 7.8% | 4.8% | 6.0% | 15.8% | -4.8% | |
| Capex / Op. cash flow | 29.1% | 51.4% | 53.7% | 33.2% | -37.7% | |
| Capex / Depreciation | 210.4% | 1180.8% | -2505.3% | 173.7% | 74.8% | |
| Capex / Sales | 5.9% | 10.3% | 11.3% | 18.2% | 5.6% | |
| SG&A / Sales | 29.3% | 23.5% | 24.7% | 33.0% | 41.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.4% | 0.0% | |
| Intangibles / Total assets | 0.2% | 0.3% | 0.3% | 0.5% | 0.7% | |
| Days sales outstanding | 3685d | 85d | 93d | 206d | 231d | |
| Days payables outstanding | 0d | 9d | 10d | 19d | 122d | |
| Operating cycle | 3685d | 85d | 93d | 206d | 231d | |
| Cash conversion cycle | 3685d | 77d | 83d | 187d | 110d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years