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First Citizens BancShares, Inc. (FCNCA) — chart, structure and Closelooknet read

The Closelooknet read

First Citizens BancShares is the holding company for First-Citizens Bank & Trust, providing retail and commercial banking to individuals, businesses and professionals in the United States and abroad. It runs through three segments: a General Bank covering deposits, mortgages, wealth planning and treasury services; a Commercial Bank offering leasing, capital markets, factoring and commercial deposit services; and a Rail segment that leases and finances railcars and locomotives to railroads and shippers.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for FCNCA, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sovereign pressure Index -1.91 · down 2.45 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-06
How it trades on rate days beta 0.21 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How FCNCA has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.21 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), First Citizens BancShares, Inc. moved 0.21% on average · correlation 0.08 · higher than 15% of US names
  • Beta, last 3 months 0.13 about the same as over the year
  • On the 10 worst bond days −0.30% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +0.86% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Banks - Regional · United States · 8 names with week and year-to-date

Peer group

Banks - Regional · United States

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against FCNCA on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — First Citizens BancShares, Inc.

FCNCA in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
First Citizens BancShares is the holding company for First-Citizens Bank & Trust, providing retail and commercial banking to individuals, businesses and professionals in the United States and abroad. It runs through three segments: a General Bank covering deposits, mortgages, wealth planning and treasury services; a Commercial Bank offering leasing, capital markets, factoring and commercial deposit services; and a Rail segment that leases and finances railcars and locomotives to railroads and shippers. It is based in Raleigh, North Carolina.
Where it sits in the stack
First Citizens carries no Rubin seat, so it sits outside Closelooknet's AI build-out index. It belongs to our Banks - Regional sleeve within Financial Services, read there as a diversified regional lender rather than a supplier into the AI stack.
Who it is priced against
The diary has no formal peer group listed for the name; the comparison the market draws is with other large regional lenders such as Truist Financial.
Why Closelooknet tracks it
It is a Russell 1000 constituent, its only listed index seat in the diary's coverage. It carries no Closelooknet score yet, and no quotes or editions have mentioned it so far.
What the diary watches
The diary watches whether the stock's pullback from its 50-day average deepens or steadies, alongside the recent shift in analyst stance to Neutral from Buy.

First Citizens BancShares, Inc. (FCNCA) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 4 analyst actions on the wire · latest: price target by UBS, 2026-10-26 · last print 2026-10-23

The Street on this name

Analyst actions and the latest print for FCNCA from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target UBS — target 2,475 from 2,250 Target raised to $2475 from $2250 (+3.6% to spot) 2026-10-26
  • Price target Barclays — target 2,650 from 2,376 Target raised to $2650 from $2376 (+11.5% to spot) 2026-10-26
  • Downgrade Citigroup — Neutral → Underweight Downgraded to Underweight from Neutral 2026-10-26
  • Latest print EPS 55.37 against 46.18 expected — a +19.9% beat 2026-10-23

4 actions on the analyst wire since 2026-08-13: 1 downgrade, 3 target changes. Analyst wire → · Earnings wire →

Dividends and capital return trailing yield 0.37%, quarterly · last 2.10 USD on 2026-08-31

Dividends and capital return

What FCNCA pays out and buys back — distributions read from the price series, money terms from the filings.

  • Trailing 12 months 8.40 USD per share · a 0.37% yield on the 2026-11-06 close 4 distributions, paid quarterly 2026-11-06
  • Change on the year +7.7% against the prior twelve months prior twelve months 7.80 USD per share
  • Last distribution 2.10 USD per share as the price series records it, within days of the ex-date 2026-08-31
  • By calendar year 2023: 1.64 USD (partial) · 2024: 6.87 USD · 2025: 7.95 USD · 2026: 6.30 USD to date first distribution recorded in the three-year window: 2023-11-29

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-07

Quick answers

What is First Citizens BancShares, Inc. (FCNCA)?

First Citizens BancShares, Inc. trades as FCNCA on the US exchange (United States) in the Closelooknet research universe, as of the registry build of 2026-11-07.

Is FCNCA in a Closelooknet index?

Not currently — First Citizens BancShares, Inc. is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-07.

Where does FCNCA trade against its moving averages?

First Citizens BancShares, Inc. trades 5.0% above its 50-day and 10.1% above its 200-day moving average (1.7% above its 20-day). As of 2026-11-06 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does First Citizens BancShares, Inc. compare with its peers?

Against its peer group (Banks - Regional · United States), First Citizens BancShares, Inc. (FCNCA) sits 6.4% below its 52-week high, 5.0% above its 50-day average; Bank First National Corp (BFC) is 6.7% below, Bank Ozk (OZK) is 5.2% below, Prosperity Bancshares Inc (PB) is 6.0% below, as of 2026-11-06. Put any of them next to FCNCA in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does First Citizens BancShares, Inc. trade when bond yields rise?

Over the past year First Citizens BancShares, Inc. had a beta of 0.21 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 15% of US names. On the 10 sessions in which long bonds fell most it moved −0.30% on average, against −0.74% for the S&P 500. As of 2026-11-06; The "How it trades on rate days" block on this page carries the lines.

What does First Citizens BancShares, Inc. do?

First Citizens BancShares is the holding company for First-Citizens Bank & Trust, providing retail and commercial banking to individuals, businesses and professionals in the United States and abroad. It runs through three segments: a General Bank covering deposits, mortgages, wealth planning and treasury services; a Commercial Bank offering leasing, capital markets, factoring and commercial deposit services; and a Rail segment that leases and finances railcars and locomotives to railroads and shippers. It is based in Raleigh, North Carolina. The diary has no formal peer group listed for the name; the comparison the market draws is with other large regional lenders such as Truist Financial. (Company snapshot of 2026-09-17.)

Where does First Citizens BancShares, Inc. sit in the AI build-out?

First Citizens carries no Rubin seat, so it sits outside Closelooknet's AI build-out index. It belongs to our Banks - Regional sleeve within Financial Services, read there as a diversified regional lender rather than a supplier into the AI stack. It is a Russell 1000 constituent, its only listed index seat in the diary's coverage. It carries no Closelooknet score yet, and no quotes or editions have mentioned it so far. (Company snapshot of 2026-09-17.)

Does First Citizens BancShares, Inc. pay a dividend?

First Citizens BancShares, Inc. has paid 8.40 USD per share over the last twelve months, paid quarterly, a trailing yield of 0.37% on the 2026-11-06 close; the last distribution recorded in the price series was 2.10 USD on 2026-08-31. As of 2026-11-06; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on First Citizens BancShares, Inc. recently?

The most recent analyst action on First Citizens BancShares, Inc. on the Closelooknet wire is a price target by UBS on 2026-10-26 (target 2,475 from 2,250). 4 actions on the analyst wire since 2026-08-13: 1 downgrade, 3 target changes. Its latest earnings print on the wire, 2026-10-23: EPS 55.37 against 46.18 expected — a +19.9% beat. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for FCNCA, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Banks - Regional. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.