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First Citizens BancShares Inc (Delaware)

First Citizens BancShares Inc (Delaware)

FCNCA
$2,122.13USD↓-1.59%-34.32 today

MARKET CAP

24.3B

P/E (TTM)

12.1x

FWD P/E

11.1x

DAY RANGE

$2,107 – $2,151

52W RANGE

$1,624
$2,232

AI Summary

Stalk
StalkMedium

FCNCA remains in a Stage 2 advancing phase marked by the mid-July Momentum Breakout that overcame prior consolidation on strong volume. Short EMAs and the 50 DMA slope higher, confirming the medium-term bullish bias, though current overbought conditions and extension above rising EMAs reduce immediate execution favorability. Optimal entries lie on pullbacks into the breakout zone or tests of the rising EMAs. The long-term uptrend remains intact.

  • ↑Q1 2026 adjusted EPS $44.86 despite NIM pressure at 3.09%.
  • ↑Sequential deposit growth of $9.3B (5.7%), driven by tech & healthcare.
  • ↓Guidance implies NII down low single digits on expected Fed cuts.
Full analysis →

The case for & against

Bull & Bear analysis

Bearish

First Citizens BancShares (NASDAQ: FCNCA) operates as a diversified financial institution headquartered in Raleigh, North Carolina, offering comprehensive banking services such as commercial banking, mortgage banking, and wealth management. The bank focuses on sustainable growth through strategic client relationships and capital-efficient acquisitions. With a strong emphasis on the innovation economy, particularly in technology and healthcare sectors, First Citizens is well-positioned to adapt amid fluctuating interest rates and competitive pressures.

Bull says

  • ↑Q1 2026 adjusted EPS $44.86 despite NIM pressure at 3.09%.
  • ↑Sequential deposit growth of $9.3B (5.7%), driven by tech & healthcare.
  • ↑Returned $900M via buybacks, repurchasing over 20% of shares.
  • ↑High earnings yield and positive rate sensitivity suggest undervaluation.
  • ↑Diversified revenue across commercial banking, mortgages, and wealth mgmt.

Bear says

  • ↓Guidance implies NII down low single digits on expected Fed cuts.
  • ↓Intense deposit competition pressures funding costs and margin expansion.
  • ↓Net charge-offs climbed to $103M, signaling potential credit deterioration.
  • ↓Negative earnings revisions and a consensus Hold highlight analyst skepticism.
  • ↓Low profitability and no dividend yield deter income-focused investors.
  • ↓Macroeconomic and geopolitical uncertainties may curb loan growth.

Investment themes with FCNCA

Buybacks↑ +0.48%

Companies repurchasing their own shares

C · JCI · WFC

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-23-2026neutral

Transcript signals

Bull points

  • In the first quarter, we delivered adjusted earnings of $44.86 per share on net income of $560 million.
  • We saw solid growth in deposit fees and lending-related capital market fees, though these increases were partially tempered by seasonal declines and factoring commissions.
  • we successfully mitigated that impact through a $3.9 billion increase in average off-balance sheet client funds.

Bear points

  • we would expect to moderate to the lower end of that range for the next two quarters.
  • we would expect both headline and execretion, uh, net interest income to be down low single digits percentage points
  • we would expect that headline net interest income and execretion net interest income to have already troughed in the first quarter, but that NEM would trough in the third quarter.
Read full transcript analysis ›