FCNCB · First Citizens Bancshares Inc
$1,815.00
-15.00 (-0.82%)
At close · Oct 28
Return incl. dividend (before tax)
Market Cap
$26.60B
Shares
11.29M
Volume · Oct 28
25
Avg daily vol (3M)
137
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$1,815.00
Open$1,840.00
Day$1,815.00–1,840.00
52W close$1,550.00–1,949.98
Avg vol 30d146
Last earningsOct 23, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Jan 23, 2027
Est · unconfirmed
· in 12 wks
call held Oct 23, 2026
Latest filings
8-K
Financial results
·
filed Oct 23, 2026
First Citizens BancShares, Inc. reported $606 million of net income for the quarter ended September 30, 2026, acquired 138 BMO branches, and authorized up to $1.2 billion in Class A share repurchases for 2027.
Read the 8-K
10-Q
filed Aug 7, 2026
Read the 10-Q
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
Guidance & track record
Latest guidance
· from the Earnings Call filed Oct 23, 2026
consistent quarterly prepayments through the end of 2027
Prepayments
$3.5B – $4B
through year-end 2027
Aggregate, senior unsecured, and subordinated debt issuances
$1B – $2B
Debt issuances
$1B – $2B
to commence in 2027
Share repurchase plan
$1.2B
fourth quarter 2026
Share repurchases
Maintained
$300M
Jul 23, 2026
$300M
changed to
Oct 23, 2026
$300M
fourth quarter
Loans
$158B – $161B
Deposits
$189B – $192B
Non-interest income
$540M – $580M
Expenses
$1.35B – $1.39B
full-year
Net interest income
Raised
$6.68B – $6.75B
Jul 23, 2026
$6.6B – $6.75B
changed to
Oct 23, 2026
$6.68B – $6.75B
Non-interest income
Raised
$2.22B – $2.26B
Jul 23, 2026
$2.14B – $2.22B
changed to
Oct 23, 2026
$2.22B – $2.26B
fourth-quarter
Net interest income
$1.7B – $1.77B
2027
Share repurchases
$1.2B
full year
Expenses
Raised
$5.39B – $5.43B
Jul 23, 2026
$5.34B – $5.41B
changed to
Oct 23, 2026
$5.39B – $5.43B
Previous outlook
earlier release
· from the Earnings Call filed Jul 23, 2026
Still-open targets the latest release did not restate under the same label.
Period-end loan balances
· full-year guidance
$153B – $157B
Total deposits
· full-year guidance
$181B – $186B
Non-interest expense
· full year 2026
$5.34B – $5.41B
Full-year guidance
· full year 2026
$181B – $186B
Tax rate
· full year 26
24.5% – 25.5%
Prior guidance
period ended
· from the Earnings Call filed Jul 23, 2026
Period-end loan balances
· third-quarter loan balances
$152B – $155B
Period-end total deposits
· third quarter deposits
$179B – $182B
FDIC purchase money note prepayments
· third quarter
$6B – $8B
Net interest income
· third quarter
$1.63B – $1.71B
Non-interest income
· third quarter
$520M – $560M
Non-interest expense
· third quarter
$1.33B – $1.37B
Share repurchases
· third quarter
$600M
Expenses
· third quarter
$1.33B – $1.37B
Guided vs delivered
· last 2 settled
Earnings per share (Reported)
FY22 - Projected
guided $68.00 – $70.00
$67.40
Miss −2.3%
Earnings per share (Reported)
FY23 - Projected
guided $93.00 – $98.00
$784.51
Beat +721.5%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders illustrative — not investment adviceMarket signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $1745 › 200d $1728 — 50d above 200d
Institutional flow
Distributing
180 of 631 funds reported for Sep 30 · net -11.6K sh shares · +13 new
Insider flow
Accumulating
Net +$108.4K over 90 days · 0% sells
Short interest
Flat
No short-interest data
Volume signal
Normal
Volume near normal
Institution breadth
Steady
631 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $1,550
Now $1,815 · 66%
Range high $1,950
vs 200-day avg +5%
vs 50-day avg +4%
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 efficiency ratio (non-GAAP) non-GAAP | 60.56% | Nine Months Ended September 30, 2026 | — |
| Adjusted EPS (non-GAAP) non-GAAP | $55.37 | 3Q26 | — |
| Adjusted net income (non-GAAP) non-GAAP | 652M | 3Q26 | — |
| Adjusted net income available to common stockholders (non-GAAP) non-GAAP | 623M | 3Q26 | — |
| Adjusted noninterest expense (non-GAAP) (b) non-GAAP | $4.03B | Nine Months Ended September 30, 2026 | — |
| Adjusted noninterest income (non-GAAP) (a) non-GAAP | $1.68B | Nine Months Ended September 30, 2026 | — |
| Adjusted personnel cost (non-GAAP) non-GAAP | 2.53B | Nine Months Ended September 30, 2026 | — |
| Adjusted PPNR (non-GAAP) non-GAAP | $2.63B | Nine Months Ended September 30, 2026 | — |
| Adjusted PPNR ROA (non-GAAP) non-GAAP | 1.49% | Nine Months Ended September 30, 2026 | — |
| Adjusted professional fees (non-GAAP) non-GAAP | 53M | Nine Months Ended September 30, 2026 | — |
| Adjusted rental income on operating lease equipment non-GAAP | 122M | 3Q26 | — |
|
|
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| Adjusted ROA (non-GAAP) non-GAAP | 1.08% | Nine Months Ended September 30, 2026 | — |
| Adjusted ROE (non-GAAP) non-GAAP | 11.85% | Nine Months Ended September 30, 2026 | — |
| Adjusted ROTCE (1) non-GAAP | 12.61% | Three Months Ended September 30, 2026 | — |
| Adjusted ROTCE (non-GAAP) non-GAAP | 12.18% | Nine Months Ended September 30, 2026 | — |
| ALLL at end of period | $1.44B | Nine Months Ended September 30, 2026 | — |
| ALLL to total loans and leases | 0.91% | 3Q26 | — |
| Annualized net interest income non-GAAP | $6.74B | 3Q26 | — |
| Annualized net interest income, excluding PAA non-GAAP | $6.57B | 3Q26 | — |
| Average Price | $2,152.92 | 3Q26 | — |
| Average tangible common equity (non-GAAP) non-GAAP | $19.59B | 3Q26 | — |
| Book value per common share | $1,756.4 | 3Q26 | — |
| branches acquired | 138 | September 4, 2026 | — |
| capital | $600M | Third Quarter 2026 | — |
| Card volume | 4.94B | 3Q26 | — |
| CET1 | 9% | September 30, 2026 | — |
| CET1 including impact of AOCI | 9.82% | September 30, 2026 | — |
| CET1 Ratio | 10.24% | Third Quarter 2026 | — |
| Class A common shares | $600M | Third Quarter 2026 | — |
| Class A common shares repurchased | 25.53% | June 30, 2024 to October 20, 2026 | — |
| Client investment fees | 68M | 3Q26 | — |
| Common equity Tier 1 including impact of AOCI (non-GAAP) non-GAAP | $18.79B | 3Q26 | — |
| Common shares outstanding at period end | 11,111,579 | 3Q26 | — |
| Deposit fees and service charges | 76M | 3Q26 | — |
| Deposits acquired | 4.9B | September 4, 2026 | — |
| deposits assumed | 4.9B | September 4, 2026 | — |
| deposits represented | 88.3% | September 30, 2026 | — |
| dividend of $2.10 per share | $2.1 | the current quarter | — |
| Efficiency ratio (GAAP) | 64.92% | Nine Months Ended September 30, 2026 | — |
| Factoring commissions | 20M | 3Q26 | — |
| Factoring volume | 6.78B | 3Q26 | — |
| FDIC Purchase Money Note | 8B | Third Quarter 2026 | — |
| FDIC Purchase Money Note payments | 9.5B | July to October 2026 | — |
| Impact of notable items on adjusted basic and diluted EPS non-GAAP | $7.88 | Nine Months Ended September 30, 2026 | — |
| Impact of notable items on adjusted net income non-GAAP | $91M | Nine Months Ended September 30, 2026 | — |
| Impact of notable items on adjusted pre-tax income (a)-(b) non-GAAP | $108M | Nine Months Ended September 30, 2026 | — |
| Interest income on loans, excluding loan PAA (non-GAAP) non-GAAP | 6.65B | Nine Months Ended September 30, 2026 | — |
| International fees | 34M | 3Q26 | — |
| Lending-related fees | 83M | 3Q26 | — |
| Loan to deposit ratio | 84.85% | 3Q26 | — |
| loans acquired | 650M | September 4, 2026 | — |
| Loans and leases (1) (2) | 6.04% | Nine Months Ended September 30, 2026 | — |
| Merchant volume | 1.82B | 3Q26 | — |
| Net charge-off ratio for the period | 0.27% | Three Months Ended September 30, 2026 | — |
| Net charge-offs | -$322M | Nine Months Ended September 30, 2026 | — |
| Net interest income, excluding PAA (non-GAAP) non-GAAP | 4.85B | Nine Months Ended September 30, 2026 | — |
|
|
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| Net interest margin (2) | 3.09% | Nine Months Ended September 30, 2026 | — |
| Net interest spread | 2.35% | Third Quarter 2026 | — |
| NIM, excluding PAA (non-GAAP) non-GAAP | 3% | Nine Months Ended September 30, 2026 | — |
|
|
|||
| Nonaccrual loans | 1.37B | 3Q26 | — |
| Nonaccrual loans to total loans | 0.87% | 3Q26 | — |
| Noninterest-bearing deposits to total deposits | 22.89% | 3Q26 | — |
| Number of branches | 656 | 3Q26 | — |
| PPNR (non-GAAP) non-GAAP | $2.52B | Nine Months Ended September 30, 2026 | — |
| PPNR ROA (non-GAAP) non-GAAP | 1.42% | Nine Months Ended September 30, 2026 | — |
| Pre-provision net revenue non-GAAP | 543M | 3Q26 | — |
| preferred stock | $300M | September 2026 | — |
| Prepaid | 1.5B | October 2026 | — |
| Railcars and locomotives (3) | 129,500 | 3Q26 | — |
| Return on average tangible common equity (ROTCE) (1) non-GAAP | 11.67% | Three Months Ended September 30, 2026 | — |
| ROA | 1.02% | Nine Months Ended September 30, 2026 | — |
| ROE | 11.26% | Nine Months Ended September 30, 2026 | — |
| ROTCE (non-GAAP) non-GAAP | 11.57% | Nine Months Ended September 30, 2026 | — |
| share repurchases | 600M | third quarter of 2026 | — |
| Shares | 278,828 | 3Q26 | — |
| shares of our Class A common stock | 278,828 | the current quarter | — |
| Tangible book value per common share non-GAAP | $1,687.41 | 3Q26 | — |
| Tangible common equity non-GAAP | 18.75B | 3Q26 | — |
| Tangible common equity to tangible assets (non-GAAP) non-GAAP | 7.8% | 3Q26 | — |
| The cost of average total deposits | 2.16% | the current quarter | — |
| The estimated total risk-based capital | 12.9% | September 30, 2026 | — |
| The rate paid on average interest-bearing liabilities | 3.01% | the current quarter | — |
| the total capacity remaining under the 2025 Share Repurchase Plan | $711M | September 30, 2026 | — |
| The yield on average interest-earning assets | 5.36% | the current quarter | — |
| Tier 1 Leverage | 10.24% | September 30, 2026 | — |
| Tier 1 risk-based capital | 11.32% | September 30, 2026 | — |
| Total client funds | 133.19B | 3Q26 | — |
| Total common shares repurchased | 23.76% | June 30, 2024 to October 20, 2026 | — |
| Total Cost | $600M | 3Q26 | — |
| Total criticized commercial loans | $6.34B | September 30, 2026 | — |
| Total deposits | $185.26B | September 30, 2026 | — |
| Total liquid assets (available cash + HQLS) | 57.33B | 3Q26 | — |
| Total liquidity (liquid assets & contingent sources) | 88.43B | 3Q26 | — |
| Total net charge-offs (2) | 0.28% | Nine Months Ended September 30, 2026 | — |
| Utilization | 96.9% | 3Q26 | — |
| Wealth management assets under management ($B) | 62.5B | 3Q26 | — |
| Wealth management services | 62M | 3Q26 | — |
| Weighted average yield on loans | 5.5% | September 4, 2026 | — |
| Adjusted rental income on operating lease equipment (non-GAAP) - Rail non-GAAP | $101M | Three Months Ended June 30, 2026 filing | — |
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| Average re-pricing of equipment upon lease maturities | 115% | Three Months Ended June 30, 2026 filing | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FCNCB
this stock
First Citizens Bancshares Inc
|
$26.60B | +3.1% | -2.2% | — | — |
|
MFG
Mizuho Financial Group Inc
|
$116.98B | +32.9% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$109.84B | -41.0% | -3.2% | — | 0.8% |
|
IBN
Icici Bank Ltd
|
$103.82B | -3.7% | — | — | 0.6% |
|
USB
US Bancorp De
|
$92.94B | +11.7% | +4.4% | 11.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Institutional Holders
Reducing
Holders
638
- % held
- 59.4%
- Reported
- 180 of 631
- Top holder
- HARRIS ASSOCIATES L P
Held
Float
Short & Settlement
Smart Money
Financials
Filings
SEC Filings
Latest
8-K
- Filed
- Oct 23, 2026
- This year
- 15
First Citizens BancShares, Inc. reported $606 million of net income for the quarter ended September 30, 2026, acquired 138 BMO branches, and authorized up to $1.2 billion in Class A share repurchases for 2027.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FCNCB | +5.3% | +6.5% | +12.3% | +6.5% | +3.1% |
| SPY | -0.1% | +1.3% | +5.6% | +1.3% | +13.3% |
| vs SPY | +5.4% | +5.3% | +6.7% | +5.3% | -10.1% |
Capital returns
Latest dividend
$2.10
/ share · ex Aug 31, 2026
Declared · upcoming
$2.25
/ share · ex Nov 27, 2026
Paid (TTM)
$8.40
/ share · 4 payouts
Dividend yield (TTM, derived)
0.46%
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.