Nama's AI scorecard currently rates First Citizens BancShares Buy (7.0 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is FCNCA's P/E ratio?

First Citizens BancShares trades at a trailing price-to-earnings ratio of 10.9.

When does FCNCA report earnings?

First Citizens BancShares's next scheduled report is on Jan 22, 2027. Analysts expect EPS of $51.90.

What is the FCNCA price target?

The median analyst price target from 13 analysts is $2,500.00, with a range of $2,200.00 – $2,730.00.

Is FCNCA Shariah compliant?

Nama's AAOIFI-style screen reads First Citizens BancShares as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does FCNCA pay a dividend?

Yes — First Citizens BancShares's dividend yield is 0.4%.

Nama Insights

First Citizens BancShares (FCNCA)

Financial Services · Banks Regional · NASDAQ

First Citizens BancShares (FCNCA) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $25.26B and a trailing price-to-earnings ratio of 10.9. Over the most recent reported fiscal year, revenue declined 2.6%. Nama's AI scorecard rates it Buy, 7.0 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Buy · 7.0/10

Positive, at the low end of Buy. As of Nov 7, 2026.

Momentum

Rising · +15.1% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-6.4%

How far the last close sits under the highest price of the past five years.

Market cap	$25.26B
Trailing P/E	10.9
Price / book	1.2
Price / sales	2.7
FCF yield	—
Dividend yield	0.4%
Gross margin	0.0%
Operating margin	—
Net margin	25.2%
Revenue growth (YoY)	-2.6%
Revenue growth (3-yr annual)	+26.9%
EPS growth (YoY)	-8.4%
FCF/share growth (YoY)	—
Beta	0.6
Exchange	NASDAQ
Sector	Financial Services
Industry	Banks Regional

FCNCA earnings

Next report: Jan 22, 2027 (Q4 2026, EPS estimate $51.90). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 22, 2026	$55.37	$45.98	+20.4%	—
Q2 2026	Jul 23, 2026	$57.09	$40.16	+42.2%	$2.42B
Q1 2026	Apr 23, 2026	$44.86	$39.23	+14.3%	$2.31B
Q4 2025	Jan 23, 2026	$51.27	$43.79	+17.1%	$2.16B

FCNCA analyst price target

Median target $2,500.00 from 13 analysts, ranging $2,200.00 – $2,730.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live FCNCA data on Nama Insights →

Recent Congressional trades

First Citizens BancShares trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
Thomas H. Kean	House	Sell	$1,001 - $15,000	May 22, 2026
Thomas H. Kean	House	Sell	$1,001 - $15,000	Apr 13, 2026
Thomas H. Kean	House	Buy	$1,001 - $15,000	Mar 18, 2026
Thomas H. Kean	House	Buy	$1,001 - $15,000	May 15, 2025
Thomas H. Kean	House	Buy	$1,001 - $15,000	May 15, 2025
Byron Donalds	House	Sell	$1,001 - $15,000	Apr 14, 2025
Byron Donalds	House	Sell	$1,001 - $15,000	Apr 14, 2025
Byron Donalds	House	Buy	$1,001 - $15,000	Feb 10, 2025
Byron Donalds	House	Buy	$1,001 - $15,000	Feb 10, 2025
Byron Donalds	House	Buy	$1,001 - $15,000	Feb 10, 2025

FCNCA FAQ

Is FCNCA a buy?: Nama's AI scorecard currently rates First Citizens BancShares Buy (7.0 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is FCNCA's P/E ratio?: First Citizens BancShares trades at a trailing price-to-earnings ratio of 10.9.
When does FCNCA report earnings?: First Citizens BancShares's next scheduled report is on Jan 22, 2027. Analysts expect EPS of $51.90.
What is the FCNCA price target?: The median analyst price target from 13 analysts is $2,500.00, with a range of $2,200.00 – $2,730.00.
Is FCNCA Shariah compliant?: Nama's AAOIFI-style screen reads First Citizens BancShares as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does FCNCA pay a dividend?: Yes — First Citizens BancShares's dividend yield is 0.4%.