First Citizens BancShares, Inc. Class A (FCNCA)

First Citizens BancShares' stock price has fluctuated over the past six months. As of November 21, 2025, the share price was $1,868.49, a 20.18% decrease from November 25, 2024, but with a 5.81% increase in the past month. The stock reached an all-time high of $2,412.93 on January 23, 2025. Earnings reports have impacted the stock, with solid return metrics and loan and deposit growth reported in Q3 2025, along with $900 million in share repurchases. In Q2 2025, an additional $4 billion share repurchase plan was announced. Economic uncertainty and concerns about the regional banking sector have also affected the stock, particularly in March 2025.

Demand seasonality for First Citizens BancShares' products and services is evident across segments. The General Bank saw loan declines in Q2 2025 due to seasonal tax outflows, but its commercial portfolio and wealth business grew in Q3 2025. The SVB Commercial segment experienced growth in Global Fund Banking and Tech and Healthcare deposits, driven by deal events and new client acquisition. The Commercial Bank expects recent trends to abate but projects growth in its industry verticals.

First Citizens BancShares, Inc. is the holding company for First-Citizens Bank & Trust Company, a major bank in the U.S. Its business is divided into four segments: General Bank, Commercial Bank, SVB Commercial, and Rail, offering a range of financial products and services. The General Bank focuses on consumers and businesses through branches and digital channels. The Commercial Bank provides services to small and middle-market companies. The SVB Commercial segment specializes in financial services for innovators, investors, and venture firms. The Rail segment offers leasing and financing for railcars and locomotives in North America.

First Citizens BancShares has a significant geographic footprint across the United States, operating over 500 branches in 23 states. Its primary presence is in the Southeastern United States, with key markets including North Carolina, South Carolina, California, Texas, New York, and Florida. The company also conducts business in Canada, primarily related to its rail portfolio.

First Citizens BancShares has received several recognitions, enhancing its brand reputation. In June 2024, it debuted on the Fortune 500 list at #182 and ranked #24 on Fortune's list of fastest-growing companies. In 2024, it was also named among the top 20 on Forbes' list of America's Best Banks, ranked among the top five banks nationally in the Greenwich Excellence and Best Brand Awards, and recognized as a top originator/receiver of ACH payments by Nacha. American Banker named it the top-performing large bank with at least $50 billion in assets in 2024. The acquisition and integration of Silicon Valley Bridge Bank N.A. in 2023 has contributed to business growth and geographic expansion.

First Citizens BancShares, Inc. has a mix of institutional and individual owners. As of November 21, 2025, there are 1116 institutional owners and shareholders holding 9,718,507 shares. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Harris Associates L P, JPMorgan Chase & Co, and State Street Corp. Frank B. Holding is the largest individual shareholder, owning 3.99 million shares, representing 32.11% of the company. Other significant individual owners from the Holding family include Olivia Britton Holding, Ella Ann L. Holding, Hope Holding Bryant, and Frank B. Holding Jr.