Stocktoria
FIRST CITIZENS BANCSHARES INC /DE/ FCNCA
FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 0.68% (safety: safe). FY2025 revenue was $9.5B at a 23.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-28 | Truist Securities | Hold (main) |
| 2026-07-27 | Piper Sandler | Neutral (main) |
| 2026-07-27 | Barclays | Equal-Weight (main) |
| 2026-07-24 | JP Morgan | Neutral (main) |
| 2026-07-09 | Keefe, Bruyette & Woods | Market Perform (down) |
| 2026-07-07 | Goldman Sachs | Neutral (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
| FBP | FIRST BANCORP /PR/ | 7/9 | — | 11.8 | +2.4% |
All Finance, Insurance & Real Estate companies →
About FIRST CITIZENS BANCSHARES INC /DE/
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 in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
FAQ
Is FCNCA financially healthy?
FIRST CITIZENS BANCSHARES INC /DE/'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does FCNCA pay a dividend, and is it safe?
Yes. FIRST CITIZENS BANCSHARES INC /DE/ pays a dividend yielding about 0.68% with a 7.3% payout ratio, rated “safe” for safety.
How profitable is FCNCA?
In FY2025, FIRST CITIZENS BANCSHARES INC /DE/ had a net margin of 23.1% and a return on equity of 9.9%.
Is FCNCA overvalued or undervalued?
FIRST CITIZENS BANCSHARES INC /DE/ trades at about 13.7× trailing earnings — near its 10-year norm (10-year range 1.9×–14.5×, median 12.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FCNCA?
The average Wall-Street price target for FIRST CITIZENS BANCSHARES INC /DE/ is $2,338.50, about 3.0% above the recent price, from 12 analysts (consensus: hold).
Is FCNCA a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST CITIZENS BANCSHARES INC /DE/: a Piotroski F-score of 5/9, a P/E of about 10.8×, a dividend yield of 0.68%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.