First Citizens BancShares (FCNCA)
Combines relationship banking, national commercial finance, innovation banking and rail leasing.
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Serves consumers and businesses through General Bank, Commercial Bank and Rail, spanning relationship banking, national lending, innovation-economy finance and railcar leasing. Growth through CIT and Silicon Valley Bank created a coast-to-coast franchise whose scale depends on integration, liquidity, capital and risk controls under Holding-family voting control.
Provides consumer and business banking through General Bank, national commercial lending and specialized innovation-economy services through Commercial Bank, and railcar leasing through Rail. The franchise operates across the United States, combining branches with direct-bank funding and sector-focused client relationships.
Built from a North Carolina bank founded in 1898, the business expanded through interstate acquisitions, FDIC-assisted transactions, the CIT merger, and the Silicon Valley Bridge Bank acquisition. That history links current scale to an operating model centered on relationship banking, acquisition integration, and long-term continuity.
Rapid expansion has increased dependence on enterprise risk controls, capital, liquidity, systems integration, and supervisory readiness. A dual-class share structure gives the Holding family and related entities majority voting power, while the pending BMO branch purchase remains subject to approval and conversion work.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 14, 2026 | UBS | Downgrade | ||
| Jul 28, 2026 | Truist Financial | Target | Target: $2,150 | Target: $2,323 |
| Jul 27, 2026 | Barclays | Reiterate | Rating: —Target: $2,346 | Target: $2,376 |
| Jul 23, 2026 | Jefferies | Reiterate | Rating: —Target: — | Target: $2,300 |
| Jul 9, 2026 | Citigroup | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.52B · Total debt $32.19B · Total assets $236.84B · Shareholders' equity $21.90B
- Revenue
- $3.60B
- Operating income
- $891.0M
- Net income
- $672.0M
HistoryDividendAnnual yield
| Institutions | 57.64% | 6.68M shares | |
|---|---|---|---|
| 642 holders · as of Jun 30, 2026 | |||
| Insiders | 6.29% | 728.4K shares | |
| 9 holders · as of Aug 20, 2026 | |||
| Strategic holders | 18.47% | 2.14M shares | |
| 4 holders · as of Aug 11, 2026 | |||
| Other | 17.60% | 2.04M shares | |
| remainder | |||
11.59M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Harris Associates L PInstitution | 7.93% | 919,347 A | as of Jun 30, 2026 |
Olivia B. HoldingStrategic | 7.91% | 916,649 | filed Aug 11, 2026 |
BlackRock, Inc.Institution | 7.41% | 859,143 A | as of Jun 30, 2026 |
Holding Olivia BrittonStrategic10 percent owner | 5.69% | 537,541 A · 122,094 B | filed Mar 4, 2026 |
Holding Frank B JrStrategicdirector, 10 percent owner, officer: Chairman and CEO | 3.50% | 102,683 B · 302,771 A | filed Jun 8, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 15, 2026 | Holding Olivia Britton | 10 percent owner | −7,000 | $19.53 |
| Aug 19, 2026 | Diane E. Morais | director | +50 | $2,168.11 |
| Jun 4, 2026 | Ellen R. Alemany | director | −2,520 | $2,047.12 |
| Jun 4, 2026 | Holding Frank B Jr | director, 10 percent owner, officer: Chairman and CEO | +250 | $1,756.26 |
| Jun 5, 2026 | Holding Frank B Jr | director, 10 percent owner, officer: Chairman and CEO | +1,000 | $1,877.49 |
- Truist Financial
Southeastern rival across retail, commercial, and wealth banking
- PNC Financial Services Group
National overlap in retail, business, and institutional banking
- JPMorgan Chase
Scaled challenger in commercial and innovation-economy banking
- Western Alliance
Specialist rival in innovation, fund, and technology banking
- GATX
Direct specialist rival in North American railcar leasing
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Citizens BancShares | $2,071.01 | +0.15% | $23.56B | 11.1 | 11.0 | 1.6 | −5.5% |
| Truist Financial | $47.66 | −0.85% | $59.89B | 11.4 | 10.1 | 2.0 | +6.5% |
| PNC Financial Services Group | $225.67 | −1.00% | $90.96B | 12.5 | 11.1 | 2.6 | +21.4% |
| JPMorgan Chase | $338.71 | −0.38% | $911.03B | 14.6 | 14.0 | 3.1 | +27.8% |
| Western Alliance | $77.77 | +0.03% | $8.49B | 8.7 | 7.5 | 1.7 | +17.7% |
| GATX | $182.87 | −0.08% | $6.50B | 18.0 | 17.7 | 3.2 | +34.8% |
| Median | 12.5 | 11.1 | 2.6 | +21.4% |