First Citizens BancShares is navigating a challenging rate environment with a stable but compressed net interest margin of 0.7%, while actively diversifying revenue through fee income, which rose to 20.9% of total revenue in 2026Q2. The company's disciplined e...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue remained stable at $3.6B in 2026Q2, but net interest income declined 2.3% year-over-year, while fee income grew to 20.9% of revenue, supporting a 31.0% EPS growth.
The acquisition of Silicon Valley Bank (SVB) is expected to enhance liquidity, facilitating accelerated repayment of notes and a quicker recovery of net interest margin (NIM). Additionally, the merger with Park National Corporation was overwhelmingly approved by shareholders, with expectations of boosting shareholder value and enhancing dividends.
First Citizens BancShares has demonstrated strong loan growth, particularly from global fund banking, indicating resilience in its financial performance. Recent results show significant revenue and net income growth, reflecting a strong upward trajectory.
The company has a history of increasing its dividend for eight consecutive years, showcasing a commitment to returning capital to shareholders. This consistent dividend growth is a positive indicator of financial health and shareholder value.
Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 23, 2026 | $0.57+40.3% vs $0.41 | $2.2B+2.3% vs $2.2B |
Q2 2026 Apr 23, 2026 | $44.86+13.4% vs $39.56 | $2.2B+3.2% vs $2.2B |
Q1 2026 Jan 23, 2026 | $0.51+16.5% vs $0.44 | $2.4B+7.9% vs $2.2B |
Q4 2025 Oct 23, 2025 | $44.62+6.6% vs $41.87 | $2.4B+9.6% vs $2.2B |
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
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.
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.
Associated client accounts have transitioned to First Citizens Bank platforms Regional leadership appointments, $1 million giving commitment reinforce Bank's investment in local banking with a relationship-driven approach RALEIGH, N.C., Sept. 8, 2026 /PRNewswire/ -- First Citizens Bank today announced the successful conversion of 138 branches that it acquired from BMO Bank N.A.
Benchmark FCNCA against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for First Citizens BancShares, Inc. (FCNCA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $2068.01 | $23.56B | 12.48 | -2.02% | 15.22% | 9.92% | 0.63% | |
| $15.69 | $31.7B | 11.29 | 10.58% | 16.64% | 8.57% | — | |
| $65.49 | $27.69B | 16.97 | -5.85% | 17.51% | 7.63% | — | |
| $27.91 | $23.82B | 12.19 | 6.25% | 23.13% | 11.75% | — | |
| $52.76 | $47.82B | 14.90 | 8.37% | 15.91% | 8.86% | — | |
| $20.48 | $22.11B | 13.47 | 69.31% | 28.68% | 10.12% | — |
First Citizens BancShares, Inc. (FCNCA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
First Citizens BancShares, Inc. (FCNCA) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 23, 2026·SEC
May 7, 2026·SEC
Apr 23, 2026·SEC
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First Citizens BancShares, Inc. (FCNCA) stock FAQ — growth, dividends, profitability & financials explained
First Citizens BancShares, Inc. (FCNCA) saw revenue decline by 2.0% over the past year.
Yes, First Citizens BancShares, Inc. (FCNCA) is profitable, generating $2.35B in net income for fiscal year 2025 (15.2% net margin).
Yes, First Citizens BancShares, Inc. (FCNCA) pays a dividend with a yield of 0.63%. This makes it attractive for income-focused investors.
First Citizens BancShares, Inc. (FCNCA) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
First Citizens BancShares, Inc. (FCNCA) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
First Citizens BancShares, Inc. (FCNCA) has an efficiency ratio of 40.9%. This is excellent, indicating strong cost control.
