Skip to main content
Equibles
FCNCA logo

FCNCA · First Citizens Bancshares Inc /De/

Track FCNCA — free

Use FCNCA with AI

Ask our own analyst here, or connect this data to the AI you already use.

Ask ALVIS about FCNCA

Free, nothing to set up — ALVIS runs on the same tools and cites every figure.

or use your own AI

The free Equibles MCP server lets any client query SEC filings, earnings calls, KPIs, holdings and prices directly — read-only, OAuth-secured, cited to the filing.

ChatGPT Claude Gemini
Server URL
https://mcp.equibles.com/mcp
All connection guides →
$2,166.92 +15.69 (+0.73%)
Market Cap
$24.54B
Shares
11.29M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$2,151.23 Open$2,170.87 Day$2,148.64–2,180.98 52W close$1,638.68–2,291.33 Avg vol 30d70K Short int452K · 4.0% float · 5.3d Short vol70% Last earningsJul 23, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Fair Quant / Vol Moderate
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +6%
      above
      Price vs 50-day avg +0%
      above
      RSI (14) 45
      neutral
      MACD trend Negative
      52-week position 79%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return −3%
      trailing
      6-month return +13%
      trailing
      YTD return 0%
      this year
      Relative strength +2%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $2143 › 200d $2024 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +87 funds added
      Insider flow Distributing
      Net -$2.7M over 90 days · 33% sells
      Short interest Falling
      4.00% of float · ▼ -11.7% MoM · 5.3 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      626 holders — mid 3-yr range
      Squeeze score 67
      elevated · 0–100
      Fundamentals
      Fair
      Revenue growth −2%
      Y/Y
      EPS growth −13%
      Y/Y
      Free cash flow $2.2B
      Valuation P/E 11.7
      below peers
      Buyback $1.1B
      remaining
      Balance sheet $27.3B
      net debt
      Quant / Vol
      risk profile
      Moderate
      Volatility 28%
      annualized · 1-yr
      Max drawdown −20%
      past year
      ATR 2.4%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jul 23, 2026
      3Q26 - Projected
      Deposits - EOP Initiated $179B – $182B
      Net interest income Initiated $1.63B – $1.71B
      Adjusted noninterest income Non-GAAP Initiated $520M – $560M
      Adjusted noninterest expense Non-GAAP Initiated $1.33B – $1.37B
      FY26 - Projected
      Deposits - EOP Initiated $181B – $186B
      Net interest income Initiated $6.6B – $6.75B
      Adjusted noninterest income Non-GAAP Initiated $2.14B – $2.22B
      Prior guidance period ended · from the Earnings Call filed Mar 31, 2026
      Loans · end of the second quarter $149B – $152B
      Net interest income · second quarter $1.6B – $1.67B
      Deposits · second quarter $171B – $174B
      Non-interest income · second quarter $520M – $550M
      Non-interest expense · second quarter $1.34B – $1.38B
      Headline net interest income · second quarter 2026 $1.6B – $1.67B
      Net charge-offs · second quarter 2026 0.35% – 0.45%
      Expenses · second quarter 2026 $1.34B – $1.38B

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +6% Bullish
      Price vs 50-day avg
      +0% Bullish
      RSI (14)
      45 Neutral
      MACD trend
      Negative Bearish
      52-week position
      79% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $2143 › 200d $2024 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +87 funds added
      Insider flow Distributing
      Net -$2.7M over 90 days · 33% sells
      Short interest Falling
      4.00% of float · ▼ -11.7% MoM · 5.3 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      626 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $1,639 Now $2,151 · 79% Range high $2,291
      vs 200-day avg +6% vs 50-day avg +0%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted rental income on operating lease equipment non-GAAP $101M Three Months Ended June 30, 2026 filing —
      Adjusted Efficiency Ratio non-GAAP 60.05% 2Q26 —
      Adjusted EPS non-GAAP $57.09 2Q26 —
      Adjusted net income (non-GAAP) non-GAAP $691M 2Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Net income (GAAP) 672M
      +19M Total notable items, after income tax
      = Adjusted net income (non-GAAP) 691M
      Adjusted net income available to common stockholders non-GAAP $659M 2Q26 —
      Adjusted noninterest expense (non-GAAP) non-GAAP $1.35B Q2 FY2026 —
      Adjusted noninterest income (non-GAAP) non-GAAP $586M Q2 FY2026 —
      Adjusted PPNR non-GAAP $896M 2Q26 —
      Adjusted PPNR ROA non-GAAP 1.53% 2Q26 —
      Adjusted Pre-provision net revenue non-GAAP $896M 2Q26 —
      Adjusted ROA non-GAAP 1.18% 2Q26 —
      Adjusted ROE non-GAAP 12.94% 2Q26 —
      Adjusted ROTCE non-GAAP 13.28% 2Q26 —
      ALLL to total loans and leases 0.98% 2Q26 —
      Card volume $4.85B 2Q26 —
      CET1 Ratio 10.77% 2Q26 —
      Class A Common Shares Outstanding 10,320,059 7/21/2026 —
      Class A common shares repurchased percent (cumulative since July 2024) 23.7% since plan inception in July 2024 through July 21, 2026 —
      Cost of average total deposits 2.07% second quarter of 2026 —
      Cost of deposits 2.27% 2Q26 —
      Cost of interest-bearing deposits 3% 2Q26 —
      Cost of interest-bearing liabilities 2.95% 2Q26 —
      Deposit Growth (Avg) 2.8% 2Q26 —
      Deposit Growth (EOP) 1.5% 2Q26 —
      Deposits as a percentage of total funding 84.3% June 30, 2026 —
      Factoring volume $5.88B 2Q26 —
      Loan Growth (Avg) 0.7% 2Q26 —
      Loan Growth (EOP) 1.6% 2Q26 —
      Loan to deposit ratio 87.09% 2Q26 —
      Merchant volume $1.9B 2Q26 —
      NCO ratio 0.29% 2Q26 —
      Net charge-off ratio for the period 0.29% Six Months Ended June 30, 2026 —
      Net charge-offs 108M 2Q26 —
      Net interest margin 3.1% second quarter of 2026 —
      Net interest margin, excluding PAA non-GAAP 3.01% second quarter of 2026 —
      Nonaccrual loans to total loans and leases 0.96% 2Q26 —
      Noninterest-bearing deposits to total deposits 24.49% 2Q26 —
      Number of branches 520 2Q26 —
      PPNR ROA (non-GAAP) non-GAAP 1.5% Three Months Ended June 30, 2026 —
      Pre-provision net revenue non-GAAP $405M 2Q26 (General Bank) —
      Pre-tax, pre-provision net revenue (PPNR) non-GAAP $881M 2Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Net income (GAAP) 672M
      -10M (benefit) provision for credit losses
      +219M income tax expense
      = PPNR (non-GAAP) 881M
      Railcars and locomotives 129,300 2Q26 —
      Rate paid on average interest-bearing liabilities 2.95% second quarter of 2026 —
      Renewal rate to previous rate 115% 2Q26 —
      ROTCE non-GAAP 13.28% 2Q26 —
      ROTCE (non-GAAP) non-GAAP 12.92% Three Months Ended June 30, 2026 —
      Tangible book value per common share non-GAAP $1,722.35 2Q26 —
      Tangible common equity to tangible assets non-GAAP 8.3% 2Q26 —
      Tier 1 11.73% 2Q26 —
      Tier 1 Leverage ratio 9.22% 2Q26 —
      Total client funds (Avg) 119.8B 2Q26 —
      Total client funds (EOP) 122.9B 2Q26 —
      Total liquidity / uninsured deposits 138% 2Q26 —
      Total Risk-Based Capital 13.37% 2Q26 —
      Uninsured deposits 38% 2Q26 —
      Utilization 96.7% 2Q26 —
      Yield on average interest-earning assets 5.34% second quarter of 2026 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      FCNCA
      First Citizens Bancshares Inc /De/
      this stock
      		$24.54B +0.2% -2.2% 11.7 4.0%
      MFG
      Mizuho Financial Group Inc
      		 $123.19B +38.4% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.1% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -0.4% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +18.7% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      626
      % held
      59.3%
      Net QoQ
      -355.6K sh
      Top holder
      HARRIS ASSOCIATES L P
      Held Float
      View
      Held by Funds
      Fund positions
      476
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      452.0K
      Days to cover
      5.3d
      Change
      -59.8K sh
      View
      Short Volume
      Short vol %
      70%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      478
      Value
      $1.1M
      As of
      Jul 29, 2026
      View
      Off-Exchange
      Off-exchange %
      37.6%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$2.7M
      Buyers / Sellers
      2 / 1
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Thomas H. Kean
      Amount
      $1.0K–$15.0K
      Traded
      Apr 14, 2026
      View
      Financials
      Financials
      Revenue (FY)
      $9.5B
      Net income (FY)
      $2.2B
      EPS diluted
      $165.24
      View
      Buybacks
      Authorized
      shares 250.0K
      Remaining
      $1.1B
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 7, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $3.4M
      Shares
      1.5K
      Filed
      Aug 17, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 23, 2026
      View
      Investor Relations
      Latest news
      First Citizens BancShares Reports…
      Published
      Jul 23, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      FCNCA -5.2% -2.8% +13.3% -1.6% +0.2%
      SPY -2.0% +3.3% +11.2% +2.1% +11.8%
      vs SPY -3.2% -6.1% +2.2% -3.7% -11.6%

      Capital returns

      Latest dividend
      $2.10 / share · ex May 29, 2026
      Declared · upcoming
      $2.10 / share · ex Aug 31, 2026
      Raised 7.7%
      Paid (TTM)
      $8.25 / share · 4 payouts
      Dividend yield (TTM, derived)
      0.38%
      Buyback program · as of Jul 31, 2026
      Authorized
      shares 250,000
      Spent (derived)
      —
      Remaining
      $1.11B

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 798941 CUSIP 31946M103 13F (30d) 550 filings 529 filers Visit website Investor relations

      Report a Problem

      Category
      Description
      Email (optional, for follow-up)