Stock AnalizFirst Citizens Bancshares Inc. FCNCA
Major Banks · data as of November 13, 2026
First Citizens Bancshares Inc. (FCNCA) is a financial company listed in the US with a market value of about $25.7B. In the twelve months to September 30, 2026 it had revenue of $9.6B and net income of $2.3B, a net margin of 23.8%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 11.9, a price to free cash flow of 10.4, 5-year revenue growth of 39% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 33% below the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- More cash than debt, or low debt to equity
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.6B | $9.5B | $9.8B | $18.8B | $5.1B | $1.9B | $1.9B | $1.7B | $1.6B | $1.6B | $1.3B |
| Net income | $2.3B | $2.2B | $2.8B | $11.5B | $1.1B | $547M | $492M | $457M | $400M | $324M | $225M |
| Free cash flow | $2.5B | $2.2B | $2.6B | $2.3B | $2.6B | -$391M | $243M | $457M | $313M | $270M | $149M |
| EPS (diluted) | $194.92 | $165.24 | $189.41 | $784.51 | $67.40 | $53.88 | $47.50 | $41.05 | $33.53 | $29.96 | $18.77 |
| Net margin | 23.8% | 23.1% | 28.5% | 61.0% | 21.6% | 28.8% | 26.4% | 26.5% | 24.9% | 20.5% | 17.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 13 analysts is $2527.69, 9% above the current price; targets range from $2200.00 to $2730.00; the consensus rating is “Hold”; expected EPS is $207.25 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is First Citizens Bancshares’s P/E ratio?
About 11.9, based on the last twelve months of diluted earnings per share (forward P/E about 11.1).
Is First Citizens Bancshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 33% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does First Citizens Bancshares pay a dividend?
Yes. The dividend yield is about 0.36%, and it has paid dividends for 10 years in our data.
Is First Citizens Bancshares a good stock to buy?
We do not give buy or sell advice. First Citizens Bancshares scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.