Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

FIRST CITIZENS BANCSHARES INC /DE/
Next earnings Jul 23, 2026 · consensus $41.87 EPS, $2.30B rev
Last earnings -3.4% on 2026-04-23
Fortress-capitalized bank normalizing off its SVB windfall; fair at 12.5x P/E with buybacks cushioning falling earnings.
Sources: SEC EDGAR (CIK 0000798941, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/21/2026, 7:08:37 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Middling fundamentals and a rich price (~36% above fair value) leave little margin of safety — a wait-and-see.
First Citizens is a high-quality, exceptionally well-capitalized regional bank, but it is digesting the aftermath of its transformational acquisitions. The 2023 results (revenue $18.8B, net income $11.5B) were inflated by the SVB/CIT-era bargain-purchase economics; the franchise has since settled into a normalized run-rate, and the trend is down: FY2025 revenue fell 2.2% to $9.54B, net income dropped 20.6% to $2.21B, and diluted EPS fell 12.8% to $165.24. Return on equity of 9.9% is only middling for a bank, signaling that the post-deal earnings power is solid but not exceptional.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $5.08B | $18.8B | $9.76B | $9.54B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $547M | $1.10B | $11.5B | $2.78B | $2.21B |
| Diluted EPS | $53.88 | $67.40 | $784.51 | $189.41 | $165.24 |
| Net margin | — | 21.6% | 61.0% | 28.5% | 23.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1482 tracked peers · median
1 buy · 2 sells · 1 member · last 180d
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 51 open-market buys · 9 sales
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 2.00 @ $1,998.68 | $4.00K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 8.00 @ $2,010.00 | $16.1K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 23.00 @ $2,030.00 | $46.7K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 47.00 @ $2,050.00 | $96.3K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 2.00 @ $2,060.00 | $4.12K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 34.00 @ $2,065.00 | $70.2K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 1.00 @ $2,068.50 | $2.07K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 5.00 @ $2,070.00 | $10.3K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 15.00 @ $1,780.00 | $26.7K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 60.00 @ $1,860.00 | $112K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 1.00 @ $1,879.48 | $1.88K |
| 2026-06-05 | HOLDING FRANK B JR Chairman and CEO | Buy | 12.00 @ $1,886.00 | $22.6K |