What 7 Analyst Ratings Have To Say About First Citizens BancShares
Benzinga Insights 9 months ago
Analyst Ratings
During the last three months, 7 analysts shared their evaluations of First Citizens BancShares (NASDAQ:FCNCA), revealing diverse outlooks from bullish to bearish.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 2 | 1 | 4 | 0 | 0 |
| Last 30D | 1 | 0 | 2 | 0 | 0 |
| 1M Ago | 0 | 0 | 2 | 0 | 0 |
| 2M Ago | 0 | 1 | 0 | 0 | 0 |
| 3M Ago | 1 | 0 | 0 | 0 | 0 |
The 12-month price targets, analyzed by analysts, offer insights with an average target of $2343.14, a high estimate of $2500.00, and a low estimate of $2100.00. Marking an increase of 2.54%, the current average surpasses the previous average price target of $2285.14.
Exploring Analyst Ratings: An In-Depth Overview
A comprehensive examination of how financial experts perceive First Citizens BancShares is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Steven Alexopoulos | TD Cowen | Lowers | Buy | $2500.00 | $2600.00 |
| Benjamin Gerlinger | Citigroup | Lowers | Neutral | $2100.00 | $2250.00 |
| Jason Goldberg | Barclays | Lowers | Equal-Weight | $2346.00 | $2456.00 |
| Jason Goldberg | Barclays | Raises | Equal-Weight | $2456.00 | $2190.00 |
| Benjamin Gerlinger | Citigroup | Raises | Neutral | $2250.00 | $2000.00 |
| Anthony Elian | JP Morgan | Raises | Overweight | $2500.00 | $2300.00 |
| Nicholas Holowko | UBS | Raises | Buy | $2250.00 | $2200.00 |
Key Insights:
- Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to First Citizens BancShares. This offers insight into analysts' perspectives on the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of First Citizens BancShares compared to the broader market.
- Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into First Citizens BancShares's market standing. Stay informed and make well-considered decisions with our Ratings Table.
Stay up to date on First Citizens BancShares analyst ratings.
All You Need to Know About First Citizens BancShares
First Citizens is a US regional bank with total assets of over $230 billion as of Sept. 30, 2025. Headquartered in Raleigh, North Carolina, First Citizens' largest markets are North Carolina, South Carolina, and California. The bank has a track record of making troubled bank acquisitions from the FDIC, like the 2023 acquisition of Silicon Valley Bridge Bank, which doubled its asset base. First Citizens offers products and services across retail, commercial, wealth management, and railcar leasing. First Citizens derived over 95% of its earnings from banking and less than 5% from railcar leasing in 2024.
Financial Milestones: First Citizens BancShares's Journey
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
Revenue Challenges: First Citizens BancShares's revenue growth over 3M faced difficulties. As of 30 September, 2025, the company experienced a decline of approximately -0.45%. This indicates a decrease in top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: First Citizens BancShares's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 22.8%, the company may face hurdles in effective cost management.
Return on Equity (ROE): First Citizens BancShares's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 2.61%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): First Citizens BancShares's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of 0.24%, the company showcases efficient use of assets and strong financial health.
Debt Management: First Citizens BancShares's debt-to-equity ratio surpasses industry norms, standing at 1.83. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
The Significance of Analyst Ratings Explained
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
This article was generated by Benzinga's automated content engine and reviewed by an editor.