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/FCNCA
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First Citizens BancShares Inc (Delaware)

First Citizens BancShares Inc (Delaware)

FCNCA
$2,173.00USD+0.35%+7.57 today

MARKET CAP

24.1B

P/E (TTM)

13.1x

FWD P/E

DAY RANGE

$2,150 – $2,195

52W RANGE

$1,624
$2,296

AI Summary

Stalk
StalkMedium

FCNCA is in a Stage 2 advance, confirmed by sequential higher highs and higher lows above rising short-term EMAs. Price has entered a neutral consolidation around the 9/21/50-day EMA cluster with flat momentum indicators, providing no clear execution edge. Medium-term bias remains bullish, but optimal engagement requires a pullback into rising EMA support. We will defer entry until price shows acceptance near the 50-day SMA.

  • Adjusted EPS $57.09 in Q2 2026, up 20% sequentially; ROE 1.18%
  • Net charge-offs of 29 bps indicate resilient loan portfolio
  • Negative profitability metrics raise doubts on sustainable returns
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$2.0B$5.5B$22.5B$15.0B$14.5B
YoY %-0.1%+183.3%+304.9%-33.4%-3.1%
P / Sales4.2x2.1x0.9x2.0x1.9x
EV / Sales31.3x20.0x9.5x15.4x16.2x
Gross Profit, Adj.$1.9B$5.1B$18.8B$9.8B$9.5B
YoY %+1.8%+167.8%+269.7%-48.1%-2.2%
Margin %96.9%91.6%83.6%65.2%65.8%
EV / Gross Profit32.3x21.8x11.3x23.7x24.6x
EBITDA, Adj.$730.0M$1.6B$12.5B$3.8B$3.1B
YoY %+15.0%+118.2%+687.6%-69.7%-18.1%
Margin %37.3%28.7%55.8%25.4%21.5%
EV / EBITDA84.1x69.6x16.9x60.8x75.4x
EBIT$701.0M$1.4B$12.1B$3.6B$3.0B
YoY %+13.4%+94.3%+786.7%-70.3%-17.3%
Margin %35.8%24.5%53.8%24.0%20.5%
EV / EBIT87.6x81.4x17.6x64.3x79.0x
Net Income$529.0M$1.0B$11.4B$2.7B$2.1B
YoY %+10.7%+98.1%+988.5%-76.2%-20.9%
Net Margin27.0%18.9%50.8%18.1%14.8%
EPS (GAAP)$53.88$67.40$784.51$189.41$165.24
YoY %+13.4%+25.1%+1064.0%-75.9%-12.8%