First Citizens Bancshares, Inc (NC) - 5.375% PRF PERPETUAL USD 25 - Ser A(1/40th Dep Sh)
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+ FollowMarket Cap$201.27M
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Earnings Call Q3 2026
October 23, 2026 - AI Summary
Strong quarter; profitability + ROE/ROA driven by growth + disciplined execution
- Adjusted net income: $652M; Adj. EPS: $55.37
- ROE / ROA: 12.24% / 1.08%
- Adjusted net revenue: +1.4% sequentially, showing positive operating leverage
- NII/NIM: NII +$43M sequentially; headline NIM 3.07% (ex accretion 2.99%), i.e., margin stability.
Balance sheet momentum: loans + deposits both accelerating; BMO acquisition materially contributes
- Loans: +$6.2B QoQ (+4.1%) to support continued franchise strength (fund banking a major driver).
- Deposits: +$11.8B period-end (+6.8%) and +$8.0B average basis—strong inflows reflecting diversified funding.
- BMO branch acquisition impact: onboarding ~$4.9B deposits and ~$650M loan balances (and improving liquidity/run-rate).
- Client funds off-balance sheet: period-end +$6.9B, average +$7.2B, led by innovation + fund banking.
Credit quality resilient; allowances reduced due to improving metrics
- Nonaccrual loans: 0.87% of loans (down 0.80 bps?; management cited - $80M QoQ).
- Net charge-offs: $103M, with net charge-off ratio 0.27%, improved 2 bps vs prior guidance range.
- Allowance for loan losses reduced due to improving credit trends + low charge-offs + positive macro backdrop.
- Guidance: 4Q net charge-offs expected 30–35 bps; full-year tightened to 29–31 bps.
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$6408.29
35720.5% upside
Current Fair Value
35720.5% upsideUndervalued by 35720.5% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $201.27 Million |
|---|---|
| Enterprise Value | $-663,728,215.00 |
| Annual dividend | $1.34 |
| Dividend yield | 0.36% |
| Earnings per Share | $165.76 |
| Beta | 0.61 |
| 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 | 0.01 |
| Price to Book Ratio | 0.01 |
| Enterprise Value to Revenue | 1.8 |
| Enterprise Value to EBIT | 5.81 |
| Enterprise Value to Net Income | -1 |
| 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 | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.01%▼ 0.01% |
|---|---|
| Total Invested | $19,920▼ 53.85% |
| Investors Holding | 1▼ 1.00% |
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...