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First Citizens BancShares, Inc. (the Parent Company and when including all of its subsidiaries on a consolidated basis, BancShares, we, us, or our ) was incorporated under the laws of Delaware on August 7, 1986, to become the holding company of First-Citizens Bank & Trust Company ( FCB ), its banking subsidiary. FCB opened in 1898 as the Bank of Smithfield in Smithfield, North Carolina, and lat…
$2,122.13
$34.32 (-1.59%)
EOD Jul 17, 2026
24.44% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue declined 3.2% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Net income declined 21% YoY, profitability momentum has weakened.
12.2x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$9.12B
▼ -3.2% YoY
Net Income (TTM)
$2.26B
▼ -20.6% YoY
Net Margin
24.74%
P/E
12.2x
Balance Sheet
Total Assets
$235.96B
Equity
$22.05B
Total Debt
$34.35B
Cash & Equiv.
$1.08B
3Y CAGR: +26.7%
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At a P/E of 12.2 and a price-to-free-cash-flow of 11.3, First Citizens BancShares (FCNCA) trades above a two-stage DCF intrinsic value of about $478.15 per share, so at $2,122.13 the stock looks overvalued (77.5% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, First Citizens BancShares scores 82/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 0.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $478.15 per share for FCNCA, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $358.61. At today's $2,122.13, that puts the stock about 77.5% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
First Citizens BancShares scores 82 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, First Citizens BancShares pays a regular dividend of about $14.26 per share per year (typically in quarterly installments), a yield of roughly 0.7% at the current price. That is a payout ratio of about 7.5% of earnings, so the dividend is amply covered by earnings. First Citizens BancShares has grown the dividend at roughly 40.2% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For FCNCA's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. FCNCA currently trades above its estimated intrinsic value and scores 82/100 on quality (high-quality). It also yields about 0.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.