What is the 13F Pro Quality Score for FCNCA?

13F Pro ranks FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FCNCA's current score at https://13fpro.ai/research/FCNCA (free sign-up required for the full ranking).

Which hedge funds own the most FCNCA stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FCNCA include BlackRock,, HARRIS ASSOCIATES L P, DODGE & COX. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/FCNCA as soon as new 13F filings post.

Where does 13F Pro source FCNCA data?

All FIRST CITIZENS BANCSHARES INC /DE/ fundamentals and ownership data come directly from SEC EDGAR. FIRST CITIZENS BANCSHARES INC /DE/ files with the SEC under CIK 798941. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FCNCA in?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FCNCA research updated on 13F Pro?

FCNCA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST CITIZENS BANCSHARES INC /DE/(FCNCA)Stock Analysis

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13F Pro Quality Score

54.8/100

Rank #1,190 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

9.9/100

Profitability

86.0/100

Balance Sheet

43.0/100

Earnings Quality

2.9/100

Free Cash Flow

73.0/100

Institutional Flow

7.0/100

Revenue Scale

86.1/100

Dilution Risk

94.9/100

FCNCA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA), a Financials sector company. 13F Pro's AI-powered ranking engine scores FCNCA at 54.8/100 on a 32-signal composite quality model, placing it at rank #1,190 of 2,879 stocks — the top half of the AI-ranked universe. FCNCA scores in the top quartile across revenue scale (86.1), profitability (86.0). Areas of concern include earnings quality (2.9) and institutional flow (7.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), FIRST CITIZENS BANCSHARES INC /DE/ reports quarterly revenue of $2.3B, net income of $534.0M, an operating margin of 30.5%. Top institutional holders of FCNCA by reported 13-F value include BlackRock,, HARRIS ASSOCIATES L P, DODGE & COX, based on the most recent SEC filings. FCNCA trades on the Nasdaq exchange and files with the SEC under CIK 798941. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FCNCA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST CITIZENS BANCSHARES INC /DE/ directly from SEC EDGAR. FIRST CITIZENS BANCSHARES INC /DE/'s 13F Pro composite quality score has ranged between 28 and 63 since 2025, currently 54.8 — a declining long-term trajectory across 12 quarterly and live scoring snapshots.

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Fun facts about FIRST CITIZENS BANCSHARES INC /DE/

Quirks, history, and lore behind FCNCA — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · listed on Nasdaq · headquartered in North Carolina · focused on commercial and retail banking.
2
The Numbers
After a blockbuster acquisition, total assets swelled to roughly $220 billion, catapulting it into the ranks of the largest U.S. banks almost overnight.
3
The History
Founded in the late 1800s in the Carolinas, it spent over a century as a quietly growing family-controlled community bank before ambition took hold.
4
The Secret
The Holding family has controlled this bank for generations — a rare example of dynastic ownership surviving all the way into the modern mega-bank era.
5
The Lore
In 2023, regulators came calling with a spectacular problem: a failed Silicon Valley giant needed a buyer, fast — and this Carolina bank raised its hand.
6
The Giveaway
It swooped in to acquire the bulk of Silicon Valley Bank after its collapse, turning a regional lender into a national headline — and a much, much bigger bank.

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Revenue

Q1 2026

$2.3B

Net Income

Q1 2026

$534.0M

Free Cash Flow

Q1 2026

$31.0M

Operating Margin

Q1 2026

30.5%

ROIC

Q1 2026

1.3%

D/E Ratio

Q1 2026

1.54

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-2.2% YoY

$9.54BFY 2025

FY19 —FY21 $0.00FY24 $9.76BFY25 $9.54B

Net Income

-20.6% YoY

$2.21BFY 2025

FY19 $457.4MFY21 $547.0MFY24 $2.78BFY25 $2.21B

EPS (Diluted)

-12.8% YoY

$165.24FY 2025

FY19 —FY21 $53.88FY24 $189.41FY25 $165.24

Total Assets

+2.7% YoY

$229.70BFY 2025

FY19 $39.82BFY21 $58.31BFY24 $223.72BFY25 $229.70B

Total Debt

-2.8% YoY

$36.01BFY 2025

FY19 $1.33BFY21 $1.78BFY24 $37.05BFY25 $36.01B

Op. Cash Flow

-2.2% YoY

$2.92BFY 2025

FY19 $578.2MFY21 $-284.0MFY24 $2.99BFY25 $2.92B

Metric	FY 2025	FY 2024	FY 2021	FY 2019	FY 2018	FY 2017
Revenue	$9.54B -2.2%	$9.76B	$0.00	—	—	—
Net Income	$2.21B -20.6%	$2.78B +407.7%	$547.0M +19.6%	$457.4M +14.3%	$400.3M +23.6%	$323.8M
EPS (Diluted)	$165.24 -12.8%	$189.41 +251.5%	$53.88	—	—	—
Total Assets	$229.70B +2.7%	$223.72B +283.7%	$58.31B +46.4%	$39.82B +12.5%	$35.41B +2.6%	$34.53B
Total Debt	$36.01B -2.8%	$37.05B +1976.8%	$1.78B +34.5%	$1.33B -9.4%	$1.46B -35.1%	$2.26B
Operating Cash Flow	$2.92B -2.2%	$2.99B +1152.1%	$-284.0M -149.1%	$578.2M +27.4%	$453.8M +27.7%	$355.3M

AI Insight: FCNCA Financial Trends

Debt reduction accelerates in Q4 2025–Q1 2026, but net income has not recovered to mid-2024 levels, pressuring the earnings outlook.

• Total debt fell sharply from $38,675M in Q3 2025 to $33,962M in Q1 2026, a $4.7B reduction in two quarters.

• Revenue held relatively steady, rising from $2,298M in Q1 2025 to $2,437M in Q4 2025, before dipping to $2,313M in Q1 2026.

• Net income in Q1 2026 of $534M remains well below the $707M posted in Q2 2024, reflecting a sustained earnings step-down.

• Operating cash flow is highly volatile — swinging from $98M in Q1 2025 to $1,050M in Q4 2025 and back to $172M in Q1 2026.

⚠ Equity has edged down from $22,828M in Q3 2024 to $22,048M in Q1 2026 — modest but consistent balance-sheet erosion.

⚠ Whether debt reduction below $34B in Q1 2026 is sustained, or reverses as it did from Q4 2024 to Q1 2025.

⚠ Q1 operating cash flow consistently weak ($98M in Q1 2025, $172M in Q1 2026) — seasonal pattern or structural concern worth monitoring.

AI Insight: FCNCA Ratio Trends

FCNCA's profitability has stabilized well above the Q1 2025 trough, but Q1 2026 shows a sequential softening in nearly every margin metric.

• Operating margin recovered from 28.3% in Q1 2025 to a peak of 33.3% in Q4 2025, before dipping to 30.5% in Q1 2026.

• ROE rebounded from a low of 8.7% in Q1 2025 to 10.4% in Q4 2025, but eased back to 9.7% in Q1 2026.

• Leverage improved materially: D/E fell from 1.76 in Q3 2025 to 1.54 in Q1 2026, the lowest level in the dataset.

⚠ ROIC contracted from 6.5% in Q2 2024 to 5.0% in Q1 2026, signaling sustained capital-return pressure over the trailing year.

⚠ ROA slipped to 0.9% in Q1 2026 from 1.0% the prior three quarters — a small but consistent step-down to monitor.

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Available Research

13F Pro tracks comprehensive data for FIRST CITIZENS BANCSHARES INC /DE/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FCNCA

BlackRock, Inc.
$1.9B1,004,250 sh
HARRIS ASSOCIATES L P
$1.8B948,101 sh
DODGE & COX
$740.8M393,087 sh
VANGUARD CAPITAL MANAGEMENT LLC
$730.1M387,414 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$657.2M348,723 sh
STATE STREET CORP
$420.4M223,040 sh
GEODE CAPITAL MANAGEMENT, LLC
$340.3M180,972 sh
COATUE MANAGEMENT LLC
$262.9M139,498 sh
MORGAN STANLEY
$259.0M137,440 sh
FMR LLC
$253.8M134,667 sh

Fund	Value	Shares
BlackRock, Inc.	$1.9B	1,004,250
HARRIS ASSOCIATES L P	$1.8B	948,101
DODGE & COX	$740.8M	393,087
VANGUARD CAPITAL MANAGEMENT LLC	$730.1M	387,414
VANGUARD PORTFOLIO MANAGEMENT LLC	$657.2M	348,723
STATE STREET CORP	$420.4M	223,040
GEODE CAPITAL MANAGEMENT, LLC	$340.3M	180,972
COATUE MANAGEMENT LLC	$262.9M	139,498
MORGAN STANLEY	$259.0M	137,440
FMR LLC	$253.8M	134,667

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Is FCNCA a good stock to buy?

13F Pro's AI-powered analysis of FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FCNCA are available on the FCNCA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FCNCA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FCNCA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST CITIZENS BANCSHARES INC /DE/'s investment landscape.