First Citizens BancShares Inc. Class A Common Stock (FCNCA)

FairStock Score: 47/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach First Citizens as a conservative bank investor. It is a regional bank with general, commercial and rail businesses and 17,876 employees. At $2,075.12 on 2026-10-13, FairStock calculates a market cap of $23.9B, a P/E of 11.12, a P/B of 1.17, an ROE of 10.65%, and a Piotroski F-score of 7/9. That is not a bargain-bin multiple, but it is not demanding if returns are durable. The latest filed figures show fiscal Q2 2026, the quarter ended 2026-06-30, had revenue of $2.4B, net income of $672.0M, and diluted EPS of $55.52, up from fiscal Q2 2025, the quarter ended 2025-06-30, when net income was $575.0M and diluted EPS was $42.36. So the recent trend has improved. But fiscal 2025, the year ended 2025-12-31, had revenue of $9.5B, net income of $2.2B, and diluted EPS of $165.24, down from fiscal 2024 revenue of $9.8B, net income of $2.8B, and diluted EPS of $189.41. Fiscal 2023 was extraordinary, with revenue of $18.8B, net income of $11.5B, and diluted EPS of $784.51, so comparisons are distorted. FairStock's Lynch category is STALWART, citing 35.0% profit growth over five years, yet FairStock also shows revenue growth of -0.14% and profit growth of -17.14%. The dividend yield is only 0.40%, and beta is 0.58. A bank's true health depends on CET1 capital, net interest margin, credit costs, and underwriting; those are not in the data, and a combined ratio is not meaningful for a bank. I would want those before calling the 1.17 P/B either cheap or merely fair.

In plain English: First Citizens BancShares is a bank holding company that takes deposits and makes loans to people and businesses. It has stayed profitable, and the latest reported quarter was stronger than the same quarter a year earlier, but full-year profits have fallen from a huge 2023 peak. At the recent price, the shares look neither clearly cheap nor clearly expensive compared with the company's earnings and net worth.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer