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Upturn AI SWOT - About
FCNCA 
First Citizens BancShares Inc (FCNCA)
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Upturn Advisory Summary
09/12/2025: FCNCA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
14 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $2310.71
1 Year Target Price $2310.71
| 4 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.2% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.23B USD | Price to earnings Ratio 11.65 | 1Y Target Price 2310.71 |
Price to earnings Ratio 11.65 | 1Y Target Price 2310.71 | ||
Volume (30-day avg) 14 | Beta 0.71 | 52 Weeks Range 1470.63 - 2405.73 | Updated Date 09/14/2025 |
52 Weeks Range 1470.63 - 2405.73 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 0.38% | Basic EPS (TTM) 169.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.68% | Operating Margin (TTM) 37.51% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 10.71% |
Valuation
Trailing PE 11.65 | Forward PE 11.07 | Enterprise Value 38574776320 | Price to Sales(TTM) 2.81 |
Enterprise Value 38574776320 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 6.73 | Enterprise Value to EBITDA - | Shares Outstanding 11916000 | Shares Floating 9645931 |
Shares Outstanding 11916000 | Shares Floating 9645931 | ||
Percent Insiders 22.39 | Percent Institutions 69.11 |
Upturn AI SWOT
First Citizens BancShares Inc
Company Overview
History and Background
First Citizens BancShares, Inc. was founded in 1898 as the Bank of Smithfield in Smithfield, North Carolina. It has grown organically and through acquisitions to become one of the largest family-controlled banks in the U.S. The 2021 merger with CIT Group was a significant milestone.
Core Business Areas
- Commercial Banking: Offers a range of financial solutions for businesses, including loans, lines of credit, treasury services, and international banking services.
- Consumer Banking: Provides traditional banking products and services to individuals, such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and investment advisory services to high-net-worth individuals and families.
- Equipment Financing and Leasing: Offers equipment financing and leasing solutions to businesses across various industries through legacy CIT operations.
Leadership and Structure
Frank Holding, Jr. serves as Chairman and CEO. The company operates with a traditional hierarchical structure, with various executive vice presidents leading different business divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans and lines of credit for businesses of all sizes. Market share data is not publicly available at a granular level for specific loan types. Competitors include Bank of America, Wells Fargo, and Truist.
- Number of Users: Market Share Data unavailable for this particular product, however, in total First Citizens BancShares Inc has 600 branches spread out in 22 states.
- Mortgages: Residential mortgages for home purchases and refinancing. Market share varies by region. Competitors include Wells Fargo, JPMorgan Chase, and Rocket Mortgage.
- Number of Users: Market Share Data unavailable for this particular product, however, in total First Citizens BancShares Inc has 600 branches spread out in 22 states.
- Equipment Financing: Financing solutions for businesses to acquire equipment. CIT historically had a significant presence in this area. Key competitors include John Deere Financial and DLL Group.
- Number of Users: Market Share Data unavailable for this particular product, however, in total First Citizens BancShares Inc has 600 branches spread out in 22 states.
Market Dynamics
Industry Overview
The banking industry is currently navigating challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is a continuing trend.
Positioning
First Citizens BancShares is positioned as a stable, relationship-focused bank with a strong presence in the Southeast and a growing national footprint. Its merger with CIT Group broadened its capabilities and market reach.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. First Citizens is capturing a portion of this market through its diversified product offerings and geographic expansion.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Long-standing history and reputation
- Experienced management team
- Diversified business model after CIT merger
- Strong relationship focus
Weaknesses
- Geographic concentration in the Southeast
- Potential integration challenges from CIT merger
- Relatively smaller scale compared to national giants
- Dependence on interest rate environment
Opportunities
- Further expansion into new markets
- Increased adoption of digital banking solutions
- Growth in wealth management business
- Capitalizing on disruption from fintech companies
- Further acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting credit quality
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- USB
- PNC
Competitive Landscape
First Citizens benefits from a strong regional presence and relationship focus. However, it faces intense competition from larger national banks with greater resources and brand recognition. The CIT merger strengthens its competitive position in equipment financing and other commercial lending areas.
Major Acquisitions
CIT Group
- Year: 2021
- Acquisition Price (USD millions): 2200
- Strategic Rationale: The acquisition of CIT Group significantly expanded First Citizens' commercial banking capabilities, national footprint, and asset base. It also diversified its revenue streams.
Growth Trajectory and Initiatives
Historical Growth: First Citizens has grown steadily through organic expansion and acquisitions. The CIT merger significantly accelerated its growth.
Future Projections: Future growth is anticipated from continued expansion in commercial banking, wealth management, and digital banking initiatives. Analyst estimates vary.
Recent Initiatives: Recent initiatives include integrating CIT Group's operations, investing in digital banking platforms, and expanding its presence in key markets.
Summary
First Citizens BancShares is a well-established bank with a strong regional presence and a growing national footprint after the CIT merger. Its diversified business model and experienced management team are strengths. However, it faces challenges from larger competitors and the evolving banking landscape, including cybersecurity risks and fintech disruption. The company should focus on integrating CIT operations and growing its digital banking capabilities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- FDIC.gov
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data may be estimates and may not be precise. Actual financial performance may differ from projections.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Citizens BancShares Inc
Exchange NASDAQ | Headquaters Raleigh, NC, United States | ||
IPO Launch date 1992-02-25 | Chairman & CEO Mr. Frank Brown Holding Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 17191 | Website https://www.firstcitizens.com |
Full time employees 17191 | Website https://www.firstcitizens.com | ||
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through General Bank, Commercial Bank, Silicon Valley Bank (SVB) Commercial, and Rail segments. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction, commercial and industrial, and small business administration loans, as well as non-owner and owner occupied commercial mortgages. In addition, the company offers consumer loans, such as revolving mortgage, consumer auto, residential mortgage, and other consumer loans. Further, it provides wealth management services, including annuities, brokerage services, and third-party mutual funds; and investment management and advisory, trust, cash management, leasing, capital market, asset-based lending, factoring, receivables management and secured financing, underwriting and private placement, insurance, and other financial and advisory services. Additionally, the company offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. It provides its products and services through online and mobile banking platforms, as well as branch locations. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
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