- ISIN
- US31959X2027
- CUSIP
- 31959X202
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Jan 5, 2022
Highlights
- Market Cap
- $245.30M
- Enterprise Value
- $10.11B
- EPS (TTM)
- $179.22
- PE Ratio
- 0.11
- PEG Ratio
- 0.00
- Total Revenue (TTM)
- $14.45B
- Gross Profit (TTM)
- $9.08B
- EBITDA (TTM)
- $3.47B
- Year Range
- $20.30 - $23.91
- ROA (TTM)
- 0.96%
- ROE (TTM)
- 10.24%
Share Price Chart
Loading charts...
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Performance
FCNCO Performance Chart
First Citizens BancShares, Inc. (FCNCO) is up 0.2% since the beginning of the year. At $21 per share, FCNCO is trading 14.0% below its 52-week high of $24.
Loading charts...
Returns By Period
First Citizens BancShares, Inc. (FCNCO) has returned 0.21% so far this year and -3.60% over the past 12 months.
First Citizens BancShares, Inc.
- 1D
- -0.99%
- 1M
- -1.44%
- YTD
- 0.21%
- 6M
- -0.96%
- 1Y
- -3.60%
- 3Y*
- 6.83%
- 5Y*
- —
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
FCNCO Monthly Returns History
Based on dividend-adjusted daily data since Jan 5, 2022, FCNCO's average daily return is +0.01%, while the average monthly return is +0.18%. At this rate, an investment would double in approximately 32.1 years.
Historically, 54% of months were positive and 46% were negative. The best month was Nov 2023 with a return of +11.8%, while the worst month was Oct 2022 at -8.2%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 3 months.
On a daily basis, FCNCO closed higher 50% of trading days. The best single day was Mar 14, 2023 with a return of +9.3%, while the worst single day was Mar 13, 2023 at -10.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.82% | 4.95% | -6.77% | 2.41% | -2.12% | -1.58% | 0.21% | ||||||
| 2025 | 0.40% | 3.07% | -4.07% | 1.60% | -1.93% | 6.78% | 1.39% | -1.30% | -1.99% | 1.58% | 0.31% | -4.83% | 0.45% |
| 2024 | 5.87% | 1.43% | 1.84% | -6.35% | 6.08% | -3.82% | 2.28% | 4.28% | 6.60% | -1.30% | -1.99% | -4.06% | 10.25% |
| 2023 | 5.06% | 5.60% | -3.15% | -0.65% | -3.15% | 0.69% | 1.12% | 1.65% | -3.24% | -3.84% | 11.76% | 2.17% | 13.68% |
| 2022 | 1.73% | -4.38% | 0.12% | -7.89% | 5.91% | -5.92% | 7.04% | -6.34% | -1.93% | -8.19% | 4.32% | -1.07% | -16.74% |
Benchmark Metrics
First Citizens BancShares, Inc. has an annualized alpha of -1.03%, beta of 0.33, and R2 of 0.10 versus S&P 500 Index. Calculated based on daily prices since January 05, 2022.
- This stock participated in 62.78% of S&P 500 Index downside but only 35.51% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.33 may look defensive, but with R2 of 0.10 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.10 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- -1.03%
- Beta
- 0.33
- R²
- 0.10
- Upside Capture
- 35.51%
- Downside Capture
- 62.78%
Return for Risk
Risk / Return Rank
FCNCO ranks 26 for risk / return — below 26% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for First Citizens BancShares, Inc. (FCNCO) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FCNCO | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.36 | ||
| Sortino ratioReturn per unit of downside risk | -3.15 | ||
| Omega ratioGain probability vs. loss probability | 0.95 | 1.37 | -0.42 |
| Calmar ratioReturn relative to maximum drawdown | -0.38 | 2.78 | -3.17 |
| Martin ratioReturn relative to average drawdown | -0.73 | 12.44 | -13.17 |
Dividends
Dividend History
First Citizens BancShares, Inc. provided a 6.84% dividend yield over the last twelve months, with an annual payout of $1.41 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Dividend | $1.41 | $1.41 | $1.41 | $1.41 | $1.41 |
Dividend yield | 6.84% | 6.64% | 6.27% | 6.50% | 6.91% |
Monthly Dividends
The table displays the monthly dividend distributions for First Citizens BancShares, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.70 | ||||||
| 2025 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $1.41 |
| 2024 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $1.41 |
| 2023 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $1.41 |
| 2022 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $0.00 | $0.35 | $0.00 | $1.41 |
Dividend Yield & Payout
Dividend Yield
First Citizens BancShares, Inc. has a dividend yield of 6.84%, which means its dividend payment is significantly above the market average.
Payout Ratio
First Citizens BancShares, Inc. has a payout ratio of 7.13%, which is below the market average. This means First Citizens BancShares, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Loading charts...
Worst Drawdowns
The table below displays the maximum drawdowns of the First Citizens BancShares, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the First Citizens BancShares, Inc. was 27.97%, occurring on Mar 17, 2023. Recovery took 250 trading sessions.
The current First Citizens BancShares, Inc. drawdown is 8.75%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -27.97%Mar 2023 | 1y 2mo | 12mo 4d | 2y 2moJan 2022 - Mar 2024 |
2025 selloff2025 | -13.90%Apr 2025 | 6mo 13d | 4mo 4d | 10mo 17dSep 2024 - Aug 2025 |
2026 pullback2026 | -9.41%Jun 2026 | 3mo 13d | — | 3mo 26dFeb 2026 - now |
2025 pullback2025 | -8.82%Dec 2025 | 4mo 17d | 1mo 20d | 6mo 7dAug 2025 - Feb 2026 |
2024 pullback2024 | -7.81%Apr 2024 | 27d | 4mo | 4mo 27dMar 2024 - Aug 2024 |
Drawdown Indicators
| FCNCO | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.97% | -56.78% | +28.81% |
Max Drawdown (1Y)Largest decline over 1 year | -9.41% | -9.10% | -0.31% |
Max Drawdown (3Y)Largest decline over 3 years | -13.90% | -18.90% | +5.00% |
Max Drawdown (5Y)Largest decline over 5 years | — | -25.43% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -8.75% | -1.80% | -6.95% |
Average DrawdownAverage peak-to-trough decline | -8.94% | -10.71% | +1.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.93% | 2.03% | +2.90% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
Loading charts...
Financials
Financial Performance
The chart below illustrates the trends in the financial health of First Citizens BancShares, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how First Citizens BancShares, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for FCNCO, comparing it with other companies in the Banks - Regional industry. Currently, FCNCO has a P/E ratio of 0.1. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for FCNCO compared to other companies in the Banks - Regional industry. FCNCO currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for FCNCO relative to other companies in the Banks - Regional industry. Currently, FCNCO has a P/S ratio of 0.0. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for FCNCO in comparison with other companies in the Banks - Regional industry. Currently, FCNCO has a P/B value of 0.0. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
Build a portfolio with FCNCO
Add First Citizens BancShares, Inc. to a portfolio and analyze allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Analyzer with FCNCO