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Upturn AI Summary - About
First Citizens BancShares, Inc.(FCNCA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FCNCA
11/10/2026: FCNCA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
First Citizens BancShares is a significant US regional banking institution that has transformed into a national player through strategic growth and acquisitions. Its primary strength lies in a conservative, long-term management approach paired with the expanded commercial capabilities gained from acquiring Silicon Valley Bank. The central investment story revolves around integrating these new assets to scale up and increase profitability. However, the company faces risks related to integration complexity, macroeconomic sensitivity, and intense banking competition. It is likely best suited for value-oriented investors who monitor the company’s ability to manage its larger national footprint effectively while maintaining its historically disciplined risk and capital standards.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit while signal remains positive | The company has shown a high-growth trajectory through successful, large-scale acquisitions. |
| Momentum investor | Mixed fit | Momentum is conditional on consistent earnings surprises and positive stock price trends. |
| Value investor | Strong fit | The stock often trades at valuations that appear attractive relative to its long-term asset growth. |
| Dividend investor | Mixed fit | The company pays a consistent dividend, though it is not primarily a high-yield income stock. |
| Low-risk investor | Mixed fit | While the bank is conservatively managed, large-scale acquisitions introduce integration and execution risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are sensitive to interest rate changes and economic cycles. |
| Valuation risk | Medium | Market expectations regarding integration success can lead to price swings. |
| Competition risk (banking sector) | High | Intense competition for deposits and loans from both large and small banks impacts profitability. |
| Business quality | Strong | The bank maintains a strong, conservative reputation with deep customer relationships. |
| Dividend income | Low | Dividend yield is modest compared to pure income-generating assets. |
| Execution risk | Medium / high | Ongoing integration of large acquisitions is complex and requires significant management attention. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -8.93% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.33B USD | Price to earnings Ratio 11.76 | 1Y Target Price 2519.23 |
Price to earnings Ratio 11.76 | 1Y Target Price 2519.23 | ||
Volume (30-day avg) 83.5K shares | Beta 0.6 | 52 Weeks Range 1755.75 - 2429.96 | Updated Date 11/10/2026 |
52 Weeks Range 1755.75 - 2429.96 | Updated Date 11/10/2026 | ||
Dividends yield (FY) 0.37% | Basic EPS (TTM) 194.68 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way they make money is by charging more for loans than they pay to depositors. |
| Fee-based Services | Treasury management fees, wealth management, and service charges. | They generate steady income from service fees and financial advisory services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-23 | When Before Market | Estimate 46.61 | Actual 55.37 |
Profitability
Profit Margin 25.21% | Operating Margin (TTM) 37.26% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 10.98% |
Valuation
Trailing PE 11.76 | Forward PE 11.04 | Enterprise Value 34.56B | Price to Sales(TTM) 2.67 |
Enterprise Value 34.56B | Price to Sales(TTM) 2.67 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA - | Shares Outstanding 10.06M | Shares Floating 7.93M |
Shares Outstanding 10.06M | Shares Floating 7.93M | ||
Percent Insiders 23.49 | Percent Institutions 63.14 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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