FIRST CITIZENS BANCSHARES INC
First Citizens BancShares Inc Class A (ticker: FCNCA) is the bank holding company for First Citizens Bank, a regional commercial bank that offers lending, deposit, treasury and wealth-management services to individuals and businesses. With a market capitalisation of about $24.34 billion, the group expanded its scale through acquisitions — notably the 2022 CIT Group deal — which increased its national commercial lending footprint. Key value drivers include net interest margin sensitivity to interest rates, loan growth in middle‑market and commercial sectors, deposit stability and credit quality. Costs, capital levels and integration of acquisitions are important to watch. Risks include cyclical loan losses in a downturn, deposit competition or outflows, regulatory change and concentration in certain loan types. This summary is educational and not investment advice; prospective investors should consider their own objectives, risk tolerance and seek personalised advice if needed.
Why It's Moving
Wall Street Analysts Trim FCNCA Targets Amid Mixed Buy Signals.
- JP Morgan maintained its rating on April 24 but lowered the price target to $2150, reflecting tempered growth expectations in a shifting rate environment.
- Multiple firms including Keefe Bruyette & Woods cited ongoing acquisition reviews and net interest income pressures in recent notes from early April.
- Consensus leans Buy from 19 analysts with median targets around $2230-$2330, highlighting resilience in revenue models even as multiples compress.
Wall Street Analysts Trim FCNCA Targets Amid Mixed Buy Signals.
- JP Morgan maintained its rating on April 24 but lowered the price target to $2150, reflecting tempered growth expectations in a shifting rate environment.
- Multiple firms including Keefe Bruyette & Woods cited ongoing acquisition reviews and net interest income pressures in recent notes from early April.
- Consensus leans Buy from 19 analysts with median targets around $2230-$2330, highlighting resilience in revenue models even as multiples compress.
When is the next earnings date for FIRST CITIZENS BANCSHARES INC (FCNCA)?
First Citizens BancShares has already reported its Q1 2026 earnings on April 23, 2026, before market open, with results showing EPS of $43.31 and revenue of $2.1972 billion against analyst expectations. The next earnings date for the company has not yet been announced in available sources, though based on historical patterns, investors can typically expect Q2 2026 results in late July 2026. The company maintains a "Moderate Buy" consensus among analysts with an average price target of $2,227 per share.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying First Citizens BancShares stock, predicting it could rise to $2,251.54.
Financial Health
First Citizens BancShares is performing well with strong revenue and cash flow, indicating good financial stability.
Dividend
First Citizens BancShares offers a low dividend yield of 0.37%, which may not attract dividend-seeking investors. If you invested $1000 you would be paid $3.70 a year in dividends (based on the last 12 months).
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Baskets Featuring FCNCA
Banks Unleash Value
Major US banks are flexing their financial muscle by increasing dividends and launching buyback programs after acing the Fed's annual stress tests. These moves signal strength and confidence, creating opportunities for investors seeking both income and growth.
Published: July 2, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Earnings drivers
Net interest margin, loan mix and fee income drive profitability; these are sensitive to interest‑rate moves and economic cycles, so performance can vary.
Expanded footprint
Acquisitions have broadened national commercial lending capabilities and customer reach, offering scale benefits but also integration and concentration risks.
Funding and risk
Stable deposits and capital levels support lending, yet deposit competition and credit cycles remain key risks for investors to monitor.
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