First Citizens Bancshares Inc (NC) (FCNCA) — Titan Protect Analysis

FCNCA

First Citizens Bancshares Inc (NC)

Financial · ·

$2,075.10

Data: 2026-06-03

✗ ETHICAL FAIL

NARROW MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$22.6B

Total market value of the company

Trailing P/E

11.27

Reasonably valued

Forward P/E

9.85

Based on estimated future earnings — lower means cheaper

Rev Growth

+4.9%

Year-over-year revenue change

Profit Margin

24.7%

How much profit the company keeps from each dollar of revenue

ROE

10.2%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$2,152.00

+4% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 12 analysts covering this stock

About First Citizens Bancshares Inc (NC)

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 the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and c

https://www.firstcitizens.com

Country: United States Employees: 17,876 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.464

Positive but modest risk-adjusted returns

Kelly Fraction

0.0444

Modest edge detected — smaller position warranted

Calmar Ratio

0.316

Drawdown risk outweighs the returns — higher risk profile

Annual Return

10.6%

Historical annualised return based on price data

Max Drawdown

-33.5%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.63

Less volatile than the market — more defensive

52W High

$2,232.21

7% below the year high

52W Low

$1,623.76

28% above the year low

Avg Volume

81,996

Average daily shares traded — higher means easier to buy and sell

Short Ratio

8.6

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

42.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$173.33

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

34.2%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$9.1B

Total revenue over the last 12 months

Net Income

$2.2B

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$2,475.00

Target Median

$2,152.00

Target Low

$2,050.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
2026-04-14	Thomas Kean Jr	Republican	Sale	1K–15K
14 Apr2026	Thomas Kean Jr	Republican	sell	1K–15K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

Before you go