First Citizens BancShares, Inc. (FCNCA)
Financial Services · NMS
Price as at 13 Aug 2026, 17:03 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
First Citizens BancShares, Inc. trades at USD2,278.39, which is 99% below the USD4,536.95 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 42 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 11.9 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
FCNCA dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD6.30 | 3 |
| 2025 | USD7.95 | 4 |
| 2024 | USD6.87 | 4 |
| 2023 | USD3.89 | 4 |
| 2022 | USD2.16 | 4 |
| 2021 | USD1.88 | 4 |
| 2020 | USD1.67 | 4 |
| 2019 | USD1.60 | 4 |
| 2018 | USD1.45 | 4 |
| 2017 | USD1.25 | 4 |
| 2016 | USD1.20 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
FCNCA earnings and analyst estimates
Recommendation mix, 12 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About First Citizens BancShares, Inc.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
FCNCA passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
16 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Bill Nygren, HARRIS ASSOCIATES L P$1.91B · 2.5% of book
- Dodge & Cox, DODGE & COX$841.09M · 0.4% of book
- Philippe Laffont, COATUE MANAGEMENT LLC$290.27M · 0.6% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$155.31M · 0.1% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$119.25M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is First Citizens BancShares, Inc. (FCNCA) undervalued?
Against our fair value estimate of USD4,536.95, FCNCA at USD2,278.39 is 99% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own FCNCA?
16 of the institutions we track reported a position in FCNCA in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is FCNCA's P/E ratio?
FCNCA trades at 11.9 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does First Citizens BancShares, Inc. (FCNCA) pay a dividend?
Yes. First Citizens BancShares, Inc. yields 0.40% at the current share price. It has paid USD8.40 per share over the trailing twelve months. It has paid a dividend in each of the last 40 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its FCNCA data?
Fundamentals for FCNCA come from company filings and exchange data, as listed on NMS; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 13 Aug 2026, 17:03 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for FCNCA, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.