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/company/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 HARRIS ASSOCIATES L P, BlackRock,, DODGE & COX. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/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.

What drives FCNCA's revenue?

Per FIRST CITIZENS BANCSHARES INC /DE/'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net interest income ($1,656M, +2% QoQ); Rental income on operating lease equipment ($280M, Flat QoQ); Lending-related fees and deposit fees ($147M, +6% QoQ). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FCNCA.

What are FCNCA's largest expenses?

FIRST CITIZENS BANCSHARES INC /DE/'s latest 10-Q reports these as the largest expense items: Personnel cost ($844M, -3% QoQ); Third-party processing fees ($100M, +7% QoQ); Maintenance and operating lease expenses ($67M, +3% QoQ). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

52.9/100

Rank #1,419 of 2,961 stocksTOP 50%

View Financials peers →

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

Revenue Growth

17.5/100

Profitability

82.7/100

Balance Sheet

42.4/100

Earnings Quality

59.8/100

Free Cash Flow

79.3/100

Institutional Flow

11.9/100

Revenue Scale

86.1/100

Dilution Risk

94.7/100

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Why FCNCA Scores 53/100

exact factor attribution · 2026-09-11

FCNCA's composite is driven by scale and profitability, held back by revenue growth and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+7.2 pts

86th pct

Profitability

+6.5 pts

83th pct

Free cash flow

+4.4 pts

79th pct

Shareholder dilution

+3.0 pts

95th pct

Earnings quality

+1.0 pts

60th pct

Capital efficiency

-1.0 pts

42th pct

Earnings growth

-1.6 pts

25th pct

Institutional flow

-2.5 pts

12th pct

Revenue growth

-8.7 pts

18th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FCNCA Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 52.9/100 on a 32-signal composite quality model, placing it at rank #1,419 of 2,961 stocks — the top half of the AI-ranked universe. FCNCA scores in the top quartile across revenue scale (86.1), profitability (82.7), free cash flow (79.3). Areas of concern include institutional flow (11.9) and revenue growth (17.5), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FIRST CITIZENS BANCSHARES INC /DE/ reports quarterly revenue of $2.4B, net income of $672.0M, an operating margin of 36.6%. Top institutional holders of FCNCA by reported 13-F value include HARRIS ASSOCIATES L P, BlackRock, 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 52.9 — a declining long-term trajectory across 51 quarterly and live scoring snapshots.

✦

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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What's Driving FCNCA's Business? Latest 10-Q Breakdown

✓ 26/26 datapoints verified

AI-extracted from FIRST CITIZENS BANCSHARES INC /DE/'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 26% QoQ to $672M on lower credit provisions and higher noninterest income, with NIM stable at 3.10% despite $2.5B Purchase Money Note prepayment.

Biggest Revenue Drivers

Net interest income$1,656M+2% QoQ

Higher yields on loans and investment securities, loan PAA of $48M, offset by higher rate paid on interest-bearing deposits

Rental income on operating lease equipment$280MFlat QoQ

Rail segment portfolio growth with strong repricing at 115% of expiring lease rates

Biggest Revenue Drivers

Total revenue: $2,432M+3% QoQ

Net interest income$1,656M+2% QoQ

Higher yields on loans and investment securities, loan PAA of $48M, offset by higher rate paid on interest-bearing deposits

Rental income on operating lease equipment$280MFlat QoQ

Rail segment portfolio growth with strong repricing at 115% of expiring lease rates

Lending-related fees and deposit fees$147M+6% QoQ

Higher line of credit fees and overdraft fees

Other noninterest income$202M+138% QoQ

$27M gain on equity warrants, $17M gain on tax credit sales, $12M increase in fair value of marketable securities

Largest Expense Items

Personnel cost$844M-3% QoQ

Lower incentive compensation and seasonal benefit limit effects, partially offset by merit increases

Third-party processing fees$100M+7% QoQ

Digital infrastructure investment for data center modernization

Maintenance and operating lease expenses$67M+3% QoQ

Variable timing and railcars coming on/off lease; asset condition impacts

Depreciation on operating lease equipment$101MFlat QoQ

Consistent with operating lease equipment portfolio levels

Margins: Net interest margin held steady at 3.10% (3.01% ex-purchase accounting) despite a 1bp rise, driven by higher yields on loans and securities offset by increased deposit funding costs. The prepayment of $2.5B on the FDIC Purchase Money Note reduced borrowing costs, supporting stability.

Watch Items from the Filing

Purchase Money Note balance declined to $28.4B from $33.4B at year-end, with $5B prepaid YTD and $1B in July; further prepayments of $6–8B expected in Q3 from BMO Branch Acquisition liquidity.
Commercial loan portfolio concentration in capital call lines ($34.2B, +6% QoQ) represents 23% of total loans; model updates in Q2 improved ALLS reserve releases, but loss rates are significantly lower than other commercial segments.
Uninsured deposits of $65.1B (37.5% of total) increased from $61.8B at year-end; brokered deposits grew to $3.3B (newly issued) as Direct Bank rates were less attractive.
Nonaccrual loans ratio improved to 0.96% at June 30 from 0.88% at December 31, 2025; ALLS reserve cover at 0.98% of loans, down from 1.06%, reflecting model updates and lower specific reserves.
Pending BMO Branch Acquisition expected Q3 2026 to add ~$5.3B deposits and ~$700M loans; integration costs ($8M YTD) expected to continue through acquisition close.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$2.4B

Net Income

Q2 2026

$672.0M

Free Cash Flow

Q2 2026

$941.0M

Operating Margin

Q2 2026

36.6%

ROIC

Q2 2026

6.6%

D/E Ratio

Q2 2026

1.47

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

-2.2% YoY

$9.54BFY 2025

FY22 $5.08BFY23 $18.79BFY24 $9.76BFY25 $9.54B

Net Income

-20.6% YoY

$2.21BFY 2025

FY22 $1.10BFY23 $11.47BFY24 $2.78BFY25 $2.21B

EPS (Diluted)

-12.8% YoY

$165.24FY 2025

FY22 $67.40FY23 $784.51FY24 $189.41FY25 $165.24

Total Assets

+2.7% YoY

$229.70BFY 2025

FY22 $109.30BFY23 $213.76BFY24 $223.72BFY25 $229.70B

Total Debt

-2.8% YoY

$36.01BFY 2025

FY22 $6.64BFY23 $37.65BFY24 $37.05BFY25 $36.01B

Op. Cash Flow

-2.2% YoY

$2.92BFY 2025

FY22 $2.79BFY23 $2.66BFY24 $2.99BFY25 $2.92B

Free Cash Flow

-13.5% YoY

$2.21BFY 2025

FY22 $2.64BFY23 $2.25BFY24 $2.56BFY25 $2.21B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$9.54B -2.2%	$9.76B -48.1%	$18.79B +269.7%	$5.08B +167.8%	$1.90B +1.8%	$1.86B
Net Income	$2.21B -20.6%	$2.78B -75.8%	$11.47B +944.3%	$1.10B +100.7%	$547.0M +11.2%	$492.0M
EPS (Diluted)	$165.24 -12.8%	$189.41 -75.9%	$784.51 +1064.0%	$67.40 +25.1%	$53.88 +13.4%	$47.50
Total Assets	$229.70B +2.7%	$223.72B +4.7%	$213.76B +95.6%	$109.30B +87.4%	$58.31B +16.7%	$49.96B
Total Debt	$36.01B -2.8%	$37.05B -1.6%	$37.65B +466.7%	$6.64B +272.5%	$1.78B -5.6%	$1.89B
Operating Cash Flow	$2.92B -2.2%	$2.99B +12.3%	$2.66B -4.7%	$2.79B +1082.7%	$-284.0M -175.5%	$376.0M
Free Cash Flow	$2.21B -13.5%	$2.56B +13.5%	$2.25B -14.5%	$2.64B +774.2%	$-391.0M -260.9%	$243.0M

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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

HARRIS ASSOCIATES L P
$1.9B919,347 sh
BlackRock, Inc.
$1.8B859,143 sh
DODGE & COX
$841.1M404,215 sh
VANGUARD CAPITAL MANAGEMENT LLC
$746.1M358,575 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$649.9M312,316 sh
STATE STREET CORP
$433.3M208,230 sh
JPMORGAN CHASE & CO
$384.3M184,805 sh
GEODE CAPITAL MANAGEMENT, LLC
$356.7M171,811 sh
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$322.4M154,960 sh
COATUE MANAGEMENT LLC
$290.3M139,498 sh

Fund	Value	Shares
HARRIS ASSOCIATES L P	$1.9B	919,347
BlackRock, Inc.	$1.8B	859,143
DODGE & COX	$841.1M	404,215
VANGUARD CAPITAL MANAGEMENT LLC	$746.1M	358,575
VANGUARD PORTFOLIO MANAGEMENT LLC	$649.9M	312,316
STATE STREET CORP	$433.3M	208,230
JPMORGAN CHASE & CO	$384.3M	184,805
GEODE CAPITAL MANAGEMENT, LLC	$356.7M	171,811
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC	$322.4M	154,960
COATUE MANAGEMENT LLC	$290.3M	139,498

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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. FCNCA is classified as a large company.

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.