First Citizens Bancshares, Inc (NC) - Ordinary Shares - Class A
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+ FollowMarket Cap$26.88B
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Earnings Call Q3 2026
October 23, 2026 - AI Summary
Strong Q3 performance; solid profitability and ROE
- Adjusted net income: $652M; adjusted EPS: $55.37
- ROE: 12.24%; ROA: 1.08%
- Management attributed results to high-quality sequential growth in loans and deposits, resilient credit, expense discipline, and systematic balance sheet optimization.
- Net interest income (NII): +$43M sequentially; NIM 3.07% (headline) and 2.99% excluding accretion—stable and within expected band.
Balance sheet momentum: loans up +$6.2B (4.1% QoQ) and deposits up +$11.8B (6.8% QoQ)
- Loans: +$6.2B sequentially to support growth across commercial & general bank.
- Fund banking loans: +$4.4B (+11% QoQ) led the quarter.
- Innovation banking loans: $10.1B quarter-end (+6.6% QoQ).
- BMO branch acquisition impact: about $650M loan balances.
- Deposits: + $11.8B period-end and + $8.0B average
- Direct bank: $3.2B inflows (granular, insured retail—lower concentration risk).
- BMO deposits acquired: $4.9B.
- Management also cited ongoing strength in innovation and fund banking off-balance-sheet client funds.
Credit quality remains resilient; allowance reduced
- Nonaccrual loans: 0.87% of total loans (down $80M sequentially).
- Net charge-offs: 0.27% (stable; improved by 2 bps vs guidance).
- Management reduced the allowance for loan losses due to improving credit migration, low charge-offs, and positive macro backdrop.
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$6408.29
174.7% upside
Current Fair Value
174.7% upsideUndervalued by 174.7% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $26.88 Billion |
|---|---|
| Enterprise Value | $26.02 Billion |
| Annual dividend | $8.40 |
| Dividend yield | 0.36% |
| Earnings per Share | $165.76 |
| Beta | 0.58 |
| Outstanding Shares | 11,250,519 |
Return
| Return on Equity | 11.09% |
|---|---|
| Return on Assets | 0.99% |
| Return on Invested Capital | 1.86% |
Valuation & Multiples
| P/E Ratio | 12.06 |
|---|---|
| PEG | 180.2 |
| Price to Sales | 1.82 |
| Price to Book Ratio | 1.22 |
| Enterprise Value to Revenue | 1.8 |
| Enterprise Value to EBIT | 5.81 |
| Enterprise Value to Net Income | 10 |
| Total Debt to Enterprise | 0 |
| Debt to Equity | 0.01 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 23, 2026
EPS Estimate
$46.18
Consensus analyst estimateRevenue Estimate
$2.23 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 22, 2027
EPS Estimate
$51.87
Consensus analyst estimateRevenue Estimate
$2.32 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 77.43% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 2.58%▼ 55.32% |
|---|---|
| Total Invested | $612.61M▼ 95.59% |
| Investors Holding | 199▼ 443.00% |
About First Citizens Bancshares, Inc (NC)
6,587 employees
CEO: Frank Holding
First Citizens BancShares, Inc. functions as the parent organization for First-Citizens Bank & Trust Company, offering a wide array of retail and commercial banking services to individuals, businesses, and professional clients. Its range...