FCNCA
First Citizens BancShares, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
+6/100
Last price
2,094.50
▲ 3.43 (0.16%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
2,121.91
Prev close
2,091.07
Day high
2,101.07
Day low
2,066.87
Volume
54.13K
Market cap
$23.58B
P/E (TTM)
11.19
52W range
1,623.76 – 2,296.30
Day trading desk
Gap from prior close
+1.47%
Prior close 2,091.07
VWAP
2,085.05
+0.45% from price
Relative volume
1.36×
Normal
Session range
2.66%
2,066.87 – 2,121.91
Position in range
50%
Mid range
ATR (14D)
46.45
2.22% of price
Prior day high
2,106.39
PDH
Prior day low
2,073.01
PDL
Bid / ask spread
—
Quote not published
Session volume
91.50K
Avg 67.13K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.71%
-1.2%
1M
-5.45%
-6.6%
3M
+2.13%
-2.4%
6M
+8.70%
-9.5%
YTD
-2.70%
-17.0%
1Y
+18.46%
+2.0%
3Y
+51.30%
-30.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FCNCA open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-7.82K
Net selling
Buy transactions
1
50 shares
Sell transactions
2
7.87K shares
Net transactions
+3
Buys less sells
Sell : buy shares
157.3 : 1
Heavily one-sided
Insider-held shares
2.87M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 19, 26 | MORAIS DIANE E Director |
BUY | 50 | $108.41K | Direct |
| Jun 4, 26 | ALEMANY ELLEN R Director |
SELL | 2.52K | $5.16M | Indirect |
| May 12, 26 | HOLDING FRANK BROWN JR. Chief Executive Officer |
SELL | 5.35K | $10.26M | Indirect |
| Mar 17, 26 | BRYANT HOPE HOLDING Officer and Director |
STOCK | 357 | $0 | Indirect |
| Mar 13, 26 | ALEMANY ELLEN R Director |
STOCK | 310 | $0 | Indirect |
| Mar 5, 26 | SNOW RALPH MATTOX III Director |
BUY | 11 | $21.39K | Direct |
| Mar 3, 26 | HOLDING FRANK BROWN JR. Chief Executive Officer |
STOCK | 360 | $0 | Direct |
| Mar 2, 26 | HOLDING OLIVIA BRITTON Beneficial Owner of more than 10% of a Class of Security |
STOCK | 130 | $0 | Indirect |
| Jan 12, 26 | BRICE CARSON HOLDING Beneficial Owner of more than 10% of a Class of Security |
STOCK | 335 | $0 | Indirect |
| Dec 22, 25 | BRYANT HOPE HOLDING Officer and Director |
STOCK | 29.52K | $0 | Indirect |
| Dec 17, 25 | HOLDING OLIVIA BRITTON Beneficial Owner of more than 10% of a Class of Security |
STOCK | 6 | $0 | Indirect |
| Nov 21, 25 | BRISTOW PETER M President |
STOCK | 120 | $0 | Indirect |
| Nov 21, 25 | BRISTOW CLAIRE HOLDING Beneficial Owner of more than 10% of a Class of Security |
STOCK | 120 | $0 | Indirect |
| Sep 26, 25 | BRICE CARSON HOLDING Beneficial Owner of more than 10% of a Class of Security |
STOCK | 125 | $0 | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ALEMANY ELLEN R |
Director | — | Sale |
BELL VICTOR E III |
Director | 6.90K | Stock Gift |
BRICE CARSON HOLDING |
Beneficial Owner of more than 10% of a Class of Security | — | Stock Gift |
BRISTOW CLAIRE HOLDING |
Beneficial Owner of more than 10% of a Class of Security | — | Stock Gift |
BRISTOW PETER M |
President | — | Stock Gift |
BRYANT HOPE HOLDING |
Officer and Director | — | Stock Gift |
HOLDING FRANK BROWN JR. |
Chief Executive Officer | — | Sale |
HOLDING OLIVIA BRITTON |
Beneficial Owner of more than 10% of a Class of Security | — | Stock Gift |
NIX CRAIG L |
Chief Financial Officer | 1.15K | Purchase |
SNOW RALPH MATTOX III |
Director | 121 | Purchase |
Fundamentals
Market cap$23.58B
Enterprise value$35.75B
Revenue (TTM)$9.33B
Gross profit$9.33B
EBITDA—
Net income$2.27B
EPS (TTM)$186.57
Free cash flow—
Total cash$23.90B
Total debt$34.30B
Book value / share$1,767.72
Shares outstanding10.29M
Float8.15M
Short % of float5.29%
Dividend yield0.40%
Beta (5Y)0.58
Valuation & profitability ratios
Trailing P/E11.19
Forward P/E10.33
PEG ratio1.00
Price / sales—
Price / book1.18
EV / revenue3.83
EV / EBITDA—
Gross margin0.00%
Operating margin39.04%
Profit margin25.23%
Return on equity10.65%
Return on assets1.01%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $9.25B | $9.50B | $8.75B | $4.53B | -2.6% |
| Operating revenue | $9.25B | $9.50B | $8.75B | $4.53B | -2.6% |
| Selling, general & admin | $3.82B | $3.51B | $3.12B | $1.68B | +8.8% |
| Pre-tax income | $2.97B | $3.59B | $12.08B | $1.36B | -17.3% |
| Tax provision | $765.00M | $815.00M | $611.00M | $264.00M | -6.1% |
| Net income | $2.21B | $2.78B | $11.47B | $1.10B | -20.6% |
| Net income to common | $2.15B | $2.72B | $11.41B | $1.05B | -20.9% |
| Basic EPS | 165.24 | 189.42 | 785.14 | 67.47 | -12.8% |
| Diluted EPS | 165.24 | 189.41 | 784.51 | 67.40 | -12.8% |
| Basic shares | 13.00M | 14.34M | 14.53M | 15.53M | -9.3% |
| Diluted shares | 13.00M | 14.34M | 14.54M | 15.55M | -9.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $20.60B | $22.18B | $34.52B | $5.54B | — | -7.1% |
| Accounts receivable | $912.00M | $902.00M | $832.00M | $329.00M | — | +1.1% |
| Property, plant & equipment | $12.36B | $11.64B | $10.98B | $9.96B | — | +6.2% |
| Goodwill & intangibles | $573.00M | $622.00M | $683.00M | $511.00M | — | -7.9% |
| Total assets | $229.70B | $223.72B | $213.76B | $109.30B | — | +2.7% |
| Current debt | — | — | $0 | $1.75B | $0 | — |
| Long-term debt | $35.71B | $36.67B | $37.16B | $4.45B | — | -2.6% |
| Total debt | $36.11B | $37.04B | $37.56B | $6.56B | — | -2.5% |
| Total liabilities | $207.46B | $201.49B | $192.50B | $99.64B | — | +3.0% |
| Retained earnings | $20.77B | $19.36B | $16.74B | $5.39B | — | +7.3% |
| Shareholder equity | $22.24B | $22.23B | $21.25B | $9.66B | — | +0.0% |
| Net tangible assets | $21.66B | $21.61B | $20.57B | $9.15B | — | +0.3% |
| Shares issued | 12.14M | 13.72M | 14.52M | 14.51M | — | -11.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $2.21B | $2.78B | $11.47B | $1.10B | -20.6% |
| Depreciation & amortisation | $405.00M | $130.00M | -$57.00M | $533.00M | +211.5% |
| Stock-based compensation | $0 | $0 | $5.00M | $19.00M | — |
| Change in working capital | -$112.00M | -$529.00M | -$173.00M | $744.00M | +78.8% |
| Operating cash flow | $2.92B | $2.99B | $2.66B | $2.79B | -2.2% |
| Capital expenditure | -$1.56B | -$1.53B | -$1.43B | -$926.00M | -1.8% |
| Investing cash flow | -$5.61B | -$10.15B | $2.43B | $75.00M | +44.7% |
| Share buybacks | -$3.03B | -$1.65B | $0 | -$1.24B | -83.7% |
| Dividends paid | -$161.00M | -$158.00M | -$117.00M | -$83.00M | -1.9% |
| Financing cash flow | $2.67B | $7.07B | -$4.70B | -$2.69B | -62.2% |
| Free cash flow | $1.36B | $1.45B | $1.23B | $1.86B | -6.3% |
| End cash position | $801.00M | $814.00M | $908.00M | $518.00M | -1.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $2.42B | $2.31B | $2.16B | $2.43B | $2.37B | +5.0% |
| Operating revenue | $2.42B | $2.31B | $2.16B | $2.43B | $2.37B | +5.0% |
| Selling, general & admin | $995.00M | $1.00B | $985.00M | $955.00M | $935.00M | -0.7% |
| Pre-tax income | $891.00M | $705.00M | $811.00M | $751.00M | $758.00M | +26.4% |
| Tax provision | $219.00M | $171.00M | $231.00M | $183.00M | $183.00M | +28.1% |
| Net income | $672.00M | $534.00M | $580.00M | $568.00M | $575.00M | +25.8% |
| Net income to common | $640.00M | $508.00M | $566.00M | $554.00M | $561.00M | +26.0% |
| Basic EPS | 55.52 | 42.63 | 45.81 | 43.08 | 42.36 | +30.2% |
| Diluted EPS | 55.52 | 42.63 | 45.81 | 43.08 | 42.36 | +30.2% |
| Basic shares | 11.54M | 11.92M | 12.36M | 12.85M | 13.24M | -3.3% |
| Diluted shares | 11.54M | 11.92M | 12.36M | 12.85M | 13.24M | -3.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $22.65B | $24.27B | $20.60B | $25.67B | $27.07B | -6.7% |
| Accounts receivable | $943.00M | $955.00M | $912.00M | $945.00M | $902.00M | -1.3% |
| Property, plant & equipment | $12.56B | $12.47B | $12.36B | $12.03B | $11.90B | +0.7% |
| Goodwill & intangibles | $562.00M | $561.00M | $573.00M | $584.00M | $596.00M | +0.2% |
| Total assets | $236.84B | $235.96B | $229.70B | $233.49B | $229.65B | +0.4% |
| Long-term debt | $31.95B | $33.72B | $35.71B | $38.19B | $37.58B | -5.2% |
| Total debt | $32.35B | $34.11B | $36.11B | $38.59B | $38.00B | -5.2% |
| Total liabilities | $214.94B | $213.91B | $207.46B | $211.50B | $207.36B | +0.5% |
| Retained earnings | $20.35B | $20.34B | $20.77B | $20.87B | $20.34B | +0.1% |
| Shareholder equity | $21.90B | $22.05B | $22.24B | $21.99B | $22.30B | -0.7% |
| Net tangible assets | $21.34B | $21.49B | $21.66B | $21.40B | $21.70B | -0.7% |
| Shares issued | 11.39M | 11.69M | 12.14M | 12.62M | 13.08M | -2.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $672.00M | $534.00M | $580.00M | $568.00M | $575.00M | +25.8% |
| Depreciation & amortisation | $156.00M | $180.00M | $121.00M | $91.00M | $100.00M | -13.3% |
| Change in working capital | $153.00M | -$783.00M | $319.00M | $100.00M | $55.00M | +119.5% |
| Operating cash flow | $1.04B | $172.00M | $1.05B | $916.00M | $859.00M | +506.4% |
| Capital expenditure | -$290.00M | -$335.00M | -$573.00M | -$375.00M | -$341.00M | +13.4% |
| Investing cash flow | -$752.00M | -$6.54B | $3.63B | -$3.80B | -$562.00M | +88.5% |
| Share buybacks | -$606.00M | -$899.00M | -$900.00M | -$896.00M | -$613.00M | +32.6% |
| Dividends paid | -$55.00M | -$51.00M | -$40.00M | -$39.00M | -$40.00M | -7.8% |
| Financing cash flow | $148.00M | $6.64B | -$4.75B | $2.87B | -$220.00M | -97.8% |
| Free cash flow | $753.00M | -$163.00M | $477.00M | $541.00M | $518.00M | +562.0% |
| End cash position | $1.52B | $1.08B | $801.00M | $874.00M | $889.00M | +40.6% |
Options analytics
Put / call volume
1.56
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
1,840.00
-11.9% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
16
Contracts, this expiry
Put volume
25
Contracts, this expiry
Heaviest call OI
1,840.00
0 contracts
Heaviest put OI
1,840.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 40.16 | 57.09 | +42.2% |
| Mar 2026 | 39.23 | 44.86 | +14.4% |
| Dec 2025 | 43.79 | 51.27 | +17.1% |
| Sep 2025 | 41.49 | 44.62 | +7.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 45.90 | 10 | $2.23B | -0.9% |
| Next quarter | 48.59 | 10 | $2.26B | +0.6% |
| Current year | 194.10 | 11 | $8.88B | +0.3% |
| Next year | 202.13 | 11 | $9.33B | +5.1% |
Analyst targets & ownership
Mean target$2,336.54
High target$2,525.00
Low target$2,100.00
Implied upside11.56%
Analyst count13
ConsensusHOLD
Strong buy / Buy0 / 2
Hold11
Sell / Strong sell0 / 0
Held by insiders25.38%
Held by institutions68.43%
Institutions holding835
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
2,074.46
+0.97% from price
SMA 20
2,103.40
-0.73% from price
SMA 50
2,162.61
-3.44% from price
SMA 100
2,111.91
-0.82% from price
SMA 200
2,060.87
+1.32% from price
EMA 12
2,088.28
+0.30% from price
EMA 26
2,111.44
-0.80% from price
EMA 50
2,124.51
-1.41% from price
RSI (14)
45.2
Neutral
MACD (12,26,9)
-23.16
Hist 1.45
ATR (14)
46.45
2.22% of price
Realised vol 30D
20.0%
Annualised
Bollinger upper
2,182.07
20, 2σ
Bollinger lower
2,024.73
20, 2σ
50 / 200 cross
Golden
2,162.61 vs 2,060.87
Trend bias
Above 200
+1.32%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.62
Less volatile than market
Correlation to SPY
0.29
Largely independent
Realised vol 30D
20.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-19.9%
Peak to trough
Max drawdown 5Y
-43.8%
Peak to trough
ATR 14
46.45
2.22% of price
Beta (reported)
0.58
5Y monthly, from filing
Short interest
Shares short
468.08K
Prior 419.94K
Change vs prior
+11.5%
Shorts adding
% of float
5.29%
Normal
% of shares out
4.14%
Against total outstanding
Days to cover
8.0
Crowded exit
Float
8.15M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 1, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Jul 28, 26 | Truist Securities | MAINTAINED | Hold | Hold |
| Jul 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 27, 26 | Barclays | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 24, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Jul 9, 26 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
| Jul 7, 26 | Goldman Sachs | MAINTAINED | Neutral | Neutral |
| Jul 1, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Apr 27, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Apr 24, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Apr 9, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 1, 26 | JP Morgan | DOWNGRADE | Overweight | Neutral |
Dividends & splits
Forward rate$8.40 / yr
Forward yield0.40%
5-year avg yield0.29%
Payout ratio4.42%
Ex-dividend dateAug 31, 2026
Next pay dateSep 15, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-14
Corporate Changes & Voting Matters
8-K · 2026-09-08
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-23
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-23
Annual Report to Shareholders
ARS · 2026-03-23
Headlines
First Citizens Bank Launches New Innovation Banking Brand
PR Newswire · 18h ago
First Citizens BancShares vs MP Materials: A Tale of 2 Regulation Bets
MarketBeat · 2d ago
First Citizens BancShares, Inc. Announces Date of Third Quarter 2026 Earnings Call
PR Newswire · 6d ago
3 Bank Stocks We Find Risky
StockStory · 7d ago
Q2 Earnings Highlights: First Citizens BancShares (NASDAQ:FCNCA) Vs The Rest Of The Regional Banks Stocks
StockStory · 8d ago
Top Premarket Decliners
MT Newswires · 15d ago
CB Insights Joins Silicon Valley Bank's Partner Network to Give Innovators a Competitive Edge
PR Newswire · 20d ago
What Could First Citizens BancShares (FCNC.A) $300 Million Preferred Offering Mean?
Simply Wall St. · 21d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.