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Upturn AI SWOT - About
FCNCA 
First Citizens BancShares Inc (FCNCA)
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Upturn Advisory Summary
06/30/2025: FCNCA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $2188.21
Year Target Price $2188.21
| 4 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.52% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.72B USD | Price to earnings Ratio 11.21 | 1Y Target Price 2188.21 |
Price to earnings Ratio 11.21 | 1Y Target Price 2188.21 | ||
Volume (30-day avg) 14 | Beta 0.64 | 52 Weeks Range 1472.06 - 2408.07 | Updated Date 06/30/2025 |
52 Weeks Range 1472.06 - 2408.07 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.40% | Basic EPS (TTM) 174.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.82% | Operating Margin (TTM) 34.79% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 11.46% |
Valuation
Trailing PE 11.21 | Forward PE 11.96 | Enterprise Value 40915439616 | Price to Sales(TTM) 2.83 |
Enterprise Value 40915439616 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 6.73 | Enterprise Value to EBITDA - | Shares Outstanding 12283700 | Shares Floating 9267385 |
Shares Outstanding 12283700 | Shares Floating 9267385 | ||
Percent Insiders 21.72 | Percent Institutions 69.05 |
Analyst Ratings
Rating 4 | Target Price 2188.21 | Buy 5 | Strong Buy 4 |
Buy 5 | Strong Buy 4 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Citizens BancShares Inc
Company Overview
History and Background
First Citizens BancShares, Inc. traces its roots back to 1898 with the founding of the Bank of Smithfield in Smithfield, North Carolina. It has grown organically and through acquisitions, becoming one of the largest family-controlled banks in the United States.
Core Business Areas
- Commercial Banking: Offers a range of financial services to businesses, including loans, deposits, treasury management, and international banking services.
- Consumer Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, personal loans, and credit cards.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by Frank Holding, Jr., Chairman and CEO. The organizational structure includes various divisions overseeing different aspects of the business, such as commercial banking, consumer banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors include Bank of America, Wells Fargo, and Truist.
- Revenue: Dependent on loan portfolio size and interest rates.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Market share data is not publicly available. Competitors include Rocket Mortgage, U.S. Bank, and Wells Fargo.
- Revenue: Dependent on mortgage origination volume and interest rates.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national and regional banks such as JPMorgan Chase, Bank of America, and regional credit unions.
- Revenue: Dependent on interest rate spreads and deposit balances.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Consolidation within the industry continues.
Positioning
First Citizens BancShares is a regional bank with a strong presence in the Southeast. Its competitive advantage lies in its long history, strong customer relationships, and conservative lending practices.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be trillions of dollars. First Citizens BancShares is positioned as a regional player, focusing on specific markets and customer segments.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative lending practices
- Long-standing customer relationships
- Experienced management team
- Regional market focus
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on traditional banking services
- Slower adoption of new technologies compared to fintech companies
- Lower brand recognition than larger competitors
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Rising interest rates increasing net interest margin
Threats
- Increased competition from fintech companies
- Rising interest rates potentially impacting loan demand
- Economic downturn leading to increased loan defaults
- Cybersecurity threats
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- BAC
- WFC
- USB
- RF
- KEY
Competitive Landscape
First Citizens BancShares competes with national and regional banks. Its advantages include strong customer relationships and a conservative lending approach. Disadvantages include limited geographic reach compared to national banks.
Major Acquisitions
CIT Group
- Year: 2022
- Acquisition Price (USD millions): 2200
- Strategic Rationale: Expansion into new markets and diversification of business lines.
Growth Trajectory and Initiatives
Historical Growth: First Citizens BancShares has grown steadily through organic growth and acquisitions.
Future Projections: Analyst estimates suggest continued growth driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking platform and acquiring smaller banks.
Summary
First Citizens BancShares is a strong regional bank with a conservative approach and long-standing customer relationships. The acquisition of CIT Group has expanded its reach and diversified its business. The company faces challenges from increased competition and potential economic downturns, but its strong capital base and experienced management team position it well for future growth. It should continue to invest in digital technologies to compete effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Financial News Outlets
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary. Analyst estimates are subject to change.
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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