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FCNC

FCNCN

First Citizens BancShares Inc. Depositary Shs Repr 1/40th Non-Cum Perp Pfd Registered Shs Ser E

$25.22
0.24
 (0.95%)
Exchange:  NASDAQ
Market Cap:  22.709B
Shares Outstanding:  9.816M
Delayed data
Calculate FCNCN Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Frank Holding
Full Time Employees:  18141
Address: 
4300 Six Forks Road
Raleigh
NC
27609
US
Website:  http://www.firstcitizens.com
First Citizens BancShares, Inc. operates as a bank holding company, delivering both retail and commercial banking services through its various subsidiary entities. The organization’s structure is categorized into four main segments: General Banking, Commercial Banking, Rail, and Corporate. The General Banking division is responsible for serving individual customers, primarily leveraging its extensive branch network. Commercial Banking, conversely, focuses on providing small and middle-market companies with lending products, leasing solutions, and a range of financial and advisory services. The Rail segment specializes in equipment leasing and secured financing solutions tailored for railroad and shipping entities. Lastly, the Corporate segment encompasses the company’s investment securities portfolio and its interest-bearing cash holdings. The firm was established on August 7, 1986, and its corporate headquarters are located in Raleigh, North Carolina.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue31,337,00014,552,00014,216,000
Gross Profit26,283,0008,911,0008,738,000
EBITDA12,020,0003,722,0003,376,000
Operating Income12,077,0003,592,0002,971,000
Net Income11,466,0002,777,0002,206,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets213,758,000223,720,000229,698,000
Total Liabilities192,503,000201,492,000207,460,000
Total Stockholders Equity21,255,00022,228,00022,238,000
Total Debt38,050,00037,408,00036,337,000
Cash and Cash Equivalents34,517,00022,178,00020,602,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow2,660,0002,988,0002,923,000
Capital Expenditure-1,428,000-1,535,000-1,562,000
Free Cash Flow1,232,0001,453,0001,361,000
Net Income11,466,0002,777,0002,206,000
Net Change in Cash390,000-94,000-13,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)10,009,538.738Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)10,009,538.738Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)10,009,538.738Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)3,293,256.607Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)3,293,256.607Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)3,293,256.607Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)2,842,608.755Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)2,842,608.755Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)2,842,608.755Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)2,765,374.634Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)2,765,374.634Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)2,765,374.634Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)218.630Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)218.630Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)218.630Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
1.58
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
0.13
?Enterprise Value
 (TTM)
: 
53.173B  ?EV/FCF
 (TTM)
: 
33.07
?Dividend Yield
 (TTM)
: 
2.39%  ?Payout Ratio
 (TTM)
: 
7.86%
?ROE
 (TTM)
: 
10.68%  ?ROIC
 (TTM)
: 
0.99%
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1.47
?P/B
 (TTM)
: 
0.01  ?Current Ratio
 (TTM)
: 
9.99

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
0.13Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about FCNCN valuation

Is First Citizens BancShares Inc. Depositary Shs Repr 1/40th Non-Cum Perp Pfd Registered Shs Ser E (FCNCN) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Citizens BancShares Inc. Depositary Shs Repr 1/40th Non-Cum Perp Pfd Registered Shs Ser E (FCNCN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FCNCN a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FCNCN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FCNCN’s P/E ratio?

You can see FCNCN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FCNCN?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FCNCN a good long-term investment?

Whether FCNCN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FCNCN

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.95
MARKETSnap

Trading Metrics:

Open: 25.08   Previous Close: 24.98
Day Low: 24.8   Day High: 25.22
Year Low: 23.74   Year High: 25.64
Price Avg 50: 25.11   Price Avg 200: 25.03
Volume: 2658   Average Volume: 35155

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