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First Citizens BancShares FCNCA

First Citizens BancShares scores weak on business quality (4.3 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$2,068Oct 9, 2026
Business qualityWeak
Next earningsOct 23, 2026
Insiders, 90 daysBuying

Why it matters

  1. What First Citizens BancShares does

    First Citizens BancShares operates as a bank holding company, making money primarily through traditional banking services, loans, and wealth management provided to individuals and businesses. The bank sits in the bottom quartile of its sector for revenue growth at negative 2.2% while managing a total debt load of $37.2 billion.

  2. What it does best

    First Citizens generates a net margin of 23.6%, showcasing efficient cost control across its banking operations. This profitability stands out even as revenue contracts.

  3. The main risk

    Revenue contraction of 2.2% highlights top-line pressure as loan demand or net interest income struggles to expand in the current environment.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin of 23.6% provides solid earnings quality, though profitability remains constrained by broader sector pressures.

MoatWeak

The bank operates in a competitive regional banking sector without a distinct moat, reflected by an ROE of 10.7% that trails peers like Wells Fargo.

GrowthSteady

Revenue growth sits in the bottom quartile of its sector at negative 2.2%, continuing a downward trend from prior annual periods.

Financial healthFair

Total debt sits at $37.2 billion with a debt-to-equity ratio of 1.7, backed by $1.6B in free cash flow, keeping balance-sheet risk manageable.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 insider bought $108K on the open market.

Our sealed record on FCNCA

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is FCNCA a good business?

First Citizens BancShares scores weak on the Cluenex quality check (4.3 of 10), measured against its own industry. Profitability is weak, moat weak, growth steady and financial health fair.

Are insiders buying FCNCA?

In the last 90 days of SEC Form 4 filings: 1 insider bought $108K on the open market.

When does FCNCA report earnings?

Oct 23, 2026.

For members

See FCNCA today

  • Today's verdict on FCNCA, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “First Citizens BancShares (FCNCA)”, https://cluenex.com/stocks/fcnca/, data as of Oct 10, 2026.