First Citizens BancShares, Inc. (FCNCA) Stock Score, Valuation & Financial Research
First Citizens BancShares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 60/100.
Quick answer for FCNCA
First Citizens BancShares, Inc. currently has a Wall Street Score of 60/100. The stored market price is $2K. Its financial score is 27/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What First Citizens BancShares, Inc. does
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury
FCNCA financial snapshot
- Wall Street Score:
- 60/100
- Current price:
- $2K
- Market capitalization:
- $24.75B
- Revenue:
- $14.43B
- Net income:
- $2.35B
- Free cash flow:
- $2.07B
- Cash:
- $1.52B
- Total debt:
- $32.19B
- EPS:
- 187.04
- P/E ratio:
- 11.6x
- Financial score:
- 27/100
- Valuation score:
- 97/100
- Revenue score:
- 27/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $2.07B, showing positive cash generation.
- The balance sheet shows $1.52B of cash versus $32.19B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 27/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FCNCA
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.