Companies ›Financials ›FCNCA.O

FCNCA.O — NASDAQ Banks

First Citizens BancShares Inc (Delaware)

$2 218,44

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Last 30 days

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Mcap

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P/E

—

EV / Rev

—

Div yield

0,38 %

Op margin

—

ROE

9,9 %

Net margin

23,1 %

Debt / equity

1,61

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

—

Open

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Next earnings

2026-10-28

Ex-dividend

—

TR 1Y

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About

First Citizens BancShares Inc operates as a commercial bank within the Financials sector, generating revenue through interest income and fee-based banking services.

Business. First Citizens BancShares Inc (Delaware) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. It is listed on the NASDAQ stock exchange under the ticker symbol FCNCA.O. Specific details regarding operating segments and geographic revenue mix are not available.

Classification66 %

SectorFinancials

Business sectorBanking & Investment Services

Industry groupBanking Services

IndustryBanks

ActivityCommercial Banks

Generated · model-assisted

Sell-side consensus

HOLD13 analysts

4 buy9 hold0 sell

Avg 12m price target2 218,18

Analyst recommendations

13 analysts · consensus Hold

Buy4

Hold9

Sell0

12-month price target

2 218,18

Consensus of sell-side coverage.

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

Valuation

—

valuation pending

Analysts→

Hold

13 analysts · indicative

Ownership→

First Trust Advisors L.P.

largest disclosed fund holder

Profitability→

9,9 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning FCNCA.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,7 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,4 %−2,7 %−0,9 %

Real Estate−0,7 %+10,9 %−1,3 %

Consumer Staples−0,7 %+2,3 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to FCNCA.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR
Congressional trades
CongressByron Donalds — First Citizens BancShares, Inc. - Class2025-03-20 · Republican · FL · Sale · $1,001 - $15,000
CongressByron Donalds — First Citizens BancShares, Inc. - Class2025-01-21 · Republican · FL · Purchase · $1,001 - $15,000

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

First Citizens BancShares Inc (Delaware) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. It is listed on the NASDAQ stock exchange under the ticker symbol FCNCA.O. Specific details regarding operating segments and geographic revenue mix are not available.

Classification66 %

SectorFinancials

Business sectorBanking & Investment Services

Industry groupBanking Services

IndustryBanks

ActivityCommercial Banks

AI synthesis

GENERATED

— missing data

Key takeaways

Insider buying activity is exceptionally high, with a single transaction 483.7x the typical size, signaling strong internal confidence.
The company carries significant leverage with a debt-to-equity ratio of 1.61 and negative net cash after debt.
Analyst consensus is neutral-to-positive with a mean recommendation of 2.69 and a median price target of $2,154.00.
Dilution risk is low as basic and diluted share counts are identical.
Profitability is supported by $2.2 billion in net income on $9.5 billion in revenue.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$2 218,44

Market cap

—

Enterprise valueⓘ

—

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$22.24B

Net cashⓘ

-$35.78B

Current ratioⓘ

—

Debt / equityⓘ

1.6

ROAⓘ

1.0%

ROEⓘ

9.9%

Cash conversionⓘ

133.0%

CapEx / revenueⓘ

7.4%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

Business relationships8 disclosed relationships · 1 type · extracted from filings & disclosures

Subsidiaries8

EX21:3ae3af434317EX21:3ae3af434317Subsidiarie97%

EX21:3d0506726e5bEX21:3d0506726e5bSubsidiarie97%

EX21:5730c2ae82f6EX21:5730c2ae82f6Subsidiarie97%

EX21:961d0d82046aEX21:961d0d82046aSubsidiarie97%

EX21:982b05dc0ae4EX21:982b05dc0ae4Subsidiarie97%

EX21:d30e4f264aceEX21:d30e4f264aceSubsidiarie97%

EX21:daa6cd7c4b7dEX21:daa6cd7c4b7dSubsidiarie97%

EX21:f72ff412d6c7EX21:f72ff412d6c7Subsidiarie97%

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Next quarternear-term

Earnings · next quarterconf 45 %

EPS

Consensus EPS

175,15

Predicted surprise

-0,00

Beat probability

45 %

Analysts

Other metrics

Revenue

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no estimate

Segment revenue

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no estimate

Margin

—

no estimate

Segment margin

—

no estimate

as of 2026-06-29 · Earnings Surprise V1

Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.

Full fiscal year~1 year ahead

Full fiscal year · our forecast vs guidance vs consensus

Metric	Our forecast	Guidance	Consensus
EPS	—no estimate	—no estimate	175,41
Revenue	—no estimate	—no estimate	9,1B USD
Operating income	—no estimate	—no estimate	3,3B USD

Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.

Probabilistic model output — not investment advice. · generated 2026-08-04

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution13 analysts

Strong buy0

Buy4

Hold9

Sell0

Strong sell0

12-month price target$2 218,18 · Median $2 154,00

Low $2 050,00High $2 475,00

Operating income · consensus3,3B USD

EPS surprise

−5,8 %

reported vs consensus · miss

Revenue surprise

+4,7 %

reported vs consensus · beat

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$2 050,00

Mean$2 218,18

Median$2 154,00

High$2 475,00

Spot$2 218,44

−0.0 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Net Margin23,1 %Below median

ROE9,9 %Above median

Capex / Rev7,4 %Best in class

D/E1,61Bottom quartile

Cash Conv1,33Above median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data
Reference data

How metrics are computed

Cash Conversion Ratio
operating_cash_flow / net_income
Return On Assets
net_income / total_assets
Capex To Revenue
capital_expenditure / revenue
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Return On Equity
net_income / total_equity
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt

Source documents

FIRST CITIZENS BANCSHARES INC /DE/ Market data — financials · 2026-06-29
smart_money_abnormal (smartmoney_abnormal) on FCNCA.O · 2026-06-29
First Citizens BancShares Inc (Delaware) Market data — analyst estimates · 2026-06-29
First Citizens BancShares Inc (Delaware) HA canonical relationships · 2026-06-29

Ownership & reference

Top holders

First Trust Advisors L.P.Investment Managers · as of 2026-03-310,06 %$82M
Nuveen LLCInvestment Managers · as of 2024-12-310,05 %$193M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,05 %$2 382M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,05 %$158M
Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,05 %$237M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,03 %$1 802M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,02 %$340M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,02 %$114M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,02 %$259M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,02 %$115M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,02 %$99M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,01 %$420M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,01 %$78M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$26M
FMR LLCInstitutional Investor · as of 2026-03-310,01 %$254M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,01 %$98M
Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,01 %$23M
Wellington Management Company, LLPInvestment Managers · as of 2026-03-310,01 %$63M
Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,01 %$34M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,01 %$44M
EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,01 %$0M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,01 %$16M
Victory Capital Management Inc.Investment Managers · as of 2026-03-310,01 %$10M
Invesco QQQ TrustFunds · as of 2026-03-310,01 %$40M
Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$14M
AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$13M
LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$10M
T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$2M
JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$2M
Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,00 %$1M
JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

Leadership

Peter M. BristowPresident, Director

Insider activity

Net selling57 buys · 9 sellsnet -$2,4M8 insiders · last 365d

HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 5 @ $2 070,00$10K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 15 @ $1 780,00$27K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 60 @ $1 860,00$112K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 1 @ $1 879,48$2K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 12 @ $1 886,00$23K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 3 @ $1 890,00$6K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 111 @ $1 898,00$211K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 2 @ $1 899,00$4K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 50 @ $1 836,13$92K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 21 @ $1 920,00$40K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 1 @ $1 927,40$2K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 3 @ $1 940,40$6K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 25 @ $1 950,00$49K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 43 @ $1 970,00$85K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 15 @ $1 810,00$27K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 26 @ $1 990,00$52K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 1 @ $1 993,96$2K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 26 @ $1 997,97$52K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 41 @ $1 853,92$76K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 50 @ $1 743,80$87K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 15 @ $1 750,00$26K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 150 @ $1 840,00$276K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 15 @ $1 765,00$26K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 1 @ $1 790,00$2K · 2026-06-05
HOLDING FRANK B JRDirector, Chairman and CEO, 10% owner · Class B CommonBought 11 @ $1 795,12$20K · 2026-06-05

Short positioning

511.8Kshares short-1.0% vs prior

6.28days to cover

81.3%short of daily vol

6fails-to-deliver

as of 2026-07-15 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

FCNCA.OCanonical

NASDAQ · USD

Intel & risk

PredictorBeat prob45 %Surprise-0,00Full forecast →

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Relationship graph

This companyPeerSectorSubsidiaries

Evidence & claims

From filings & derived data

Total liabilities (annual): USD 207.46BUnknown
Total assets (annual): USD 229.7BUnknown
Net income (annual): USD 2.21BUnknown
Pre-tax income (annual): USD 2.97BUnknown
Capex (annual): USD 710MUnknown
Operating cash flow (annual): USD 2.92BUnknown
Long-term debt (annual): USD 35.78BUnknown
Shareholders' equity (annual): USD 22.24BUnknown
EPS (basic) (annual): USD-PER-SHARES 165Unknown
Revenue (annual): USD 9.54BUnknown
EPS (diluted) (annual): USD-PER-SHARES 165Unknown
Operating cash flow (annual): USD 2.99BUnknown
Total liabilities (annual): USD 201.49BUnknown
Net income (annual): USD 2.78BUnknown
Revenue (annual): USD 9.76BUnknown
EPS (diluted) (annual): USD-PER-SHARES 189Unknown
Capex (annual): USD 429MUnknown
Total assets (annual): USD 223.72BUnknown
EPS (basic) (annual): USD-PER-SHARES 189Unknown
Pre-tax income (annual): USD 3.59BUnknown
Long-term debt (annual): USD 36.68BUnknown
Shareholders' equity (annual): USD 22.23BUnknown

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date

2026-07-23 00:00 UTCTRANSCRIPTEarnings call — Q3 2026

2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)

2026-06-05 00:00 UTCINSIDER58 insider transactions — 2026-06 · net sell $2.8M

2026-06-05INSIDERHOLDING FRANK B JR bought 5 sh Class B Common — Director, Chairman and CEO, 10% owner ~$10k

2026-06-05INSIDERHOLDING FRANK B JR bought 15 sh Class B Common — Director, Chairman and CEO, 10% owner ~$27k

2026-06-05INSIDERHOLDING FRANK B JR bought 60 sh Class B Common — Director, Chairman and CEO, 10% owner ~$112k

2026-06-05INSIDERHOLDING FRANK B JR bought 1 sh Class B Common — Director, Chairman and CEO, 10% owner ~$2k

2026-06-05INSIDERHOLDING FRANK B JR bought 12 sh Class B Common — Director, Chairman and CEO, 10% owner ~$23k

2026-06-05INSIDERHOLDING FRANK B JR bought 3 sh Class B Common — Director, Chairman and CEO, 10% owner ~$6k

2026-06-05INSIDERHOLDING FRANK B JR bought 111 sh Class B Common — Director, Chairman and CEO, 10% owner ~$211k

2026-06-05INSIDERHOLDING FRANK B JR bought 2 sh Class B Common — Director, Chairman and CEO, 10% owner ~$4k

2026-06-05INSIDERHOLDING FRANK B JR bought 150 sh Class B Common — Director, Chairman and CEO, 10% owner ~$276k

2026-06-05INSIDERHOLDING FRANK B JR bought 21 sh Class B Common — Director, Chairman and CEO, 10% owner ~$40k

2026-06-05INSIDERHOLDING FRANK B JR bought 25 sh Class B Common — Director, Chairman and CEO, 10% owner ~$49k

2026-06-05INSIDERHOLDING FRANK B JR bought 43 sh Class B Common — Director, Chairman and CEO, 10% owner ~$85k

2026-06-05INSIDERHOLDING FRANK B JR bought 26 sh Class B Common — Director, Chairman and CEO, 10% owner ~$52k

2026-06-05INSIDERHOLDING FRANK B JR bought 41 sh Class B Common — Director, Chairman and CEO, 10% owner ~$76k

2026-06-05INSIDERHOLDING FRANK B JR bought 50 sh Class B Common — Director, Chairman and CEO, 10% owner ~$87k

2026-06-05INSIDERHOLDING FRANK B JR bought 11 sh Class B Common — Director, Chairman and CEO, 10% owner ~$20k

2026-05-12 00:00 UTCINSIDER2 insider transactions — 2026-05 · $20.5M gross

2026-05-08FILING10-Q filing →

2026-05-07FILING8-K filing →

2026-04-23FILING8-K filing →

2026-04-14 00:00 UTCINSIDER2 insider transactions — 2026-04

2026-03-23FILINGDEF 14A filing →

2026-03-19 00:00 UTCINSIDER26 insider transactions — 2026-03 · net buy $404k

2026-03-03FILING8-K filing →

2026-02-26FILING424B5 filing →

2026-02-25FILING424B5 filing →

2026-02-24FILING10-K filing →

2026-02-05FILING8-K filing →

2026-01-30FILING424B5 filing →

2026-01-29FILING424B5 filing →

2026-01-23FILING8-K filing →

2025-04-07CONGRESSByron Donalds (house) sale shares → $1,001 - $15,000

Showing the 40 most recent of 41 entries.

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread