OakChart

First Citizens Bancshares Inc (NC)

FCNCAFinancial·Banks - Regional·USA·Large·NASD·Nov 11 • 3:59 PM ET

2,315.61+4.09 (0.18%)
2026-11-12 05:51 CET
Market cap
26,150.42 USD m
Revenue, TTM
- USD m
Net income, TTM
2,291.00 USD m
Free cash flow, TTM
1,602.00 USD m
EPS diluted, TTM
195.15
P/E
11.87
Compare

Price

FCNCA against its 20, 50 and 200-day averages
2050200beat
2,000.002,200.002,400.00149K298KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FCNCAclose 2,315.6120-day 2,271.9450-day 2,173.29200-day 2,071.062,315.6152w high

4.7% under the 52-week high of 2,429.96 on 23 Oct 2026. 52-week low 1,759.27 on 19 Mar 2026. Last 15 sessions, 13.7% high to low

Volume 1.35× normal · the line is the 50-bar volume average

Profile

FCNCA
52-week range, 83% of the way up
1,7592,430

First Citizens BancShares, Inc. is a holding company, which engages in the provision of retail and commercial banking services through its subsidiaries. It operates through the following segments: General Banking, Commercial Banking, Rail, and Corporate. The General Banking segment delivers services to individuals through branch networks. The Commercial Banking segment provides lending, leasing and other financial and advisory services to small and middle market companies. The Rail segment deals with the provision of equipment leasing and secured financing for railroads and shippers. The Corporate segment consists of investment securities and interest bearing cash. The company was founded on August 7, 1986 and is headquartered in Raleigh, NC.

IndexRUI
Employees18141
IPOOct 22, 1986
Beta0.60
ATR, 14d58.42
Rel volume1.35
Short float5.97%
Insider own36.81%
Inst own59.22%

Snapshot

6 groups

Valuation

IndexRUI
Market Cap25.63B
Enterprise Value-
Income2.29B
Sales14.45B
Book/sh1756.37
Cash/sh-
Dividend Est.8.50 (0.37%)
Dividend TTM8.40 (0.36%)
Dividend Ex-DateNov 30, 2026
Dividend Gr. 3/5Y54.40% 36.62%
Payout4.81%
Employees18141
IPOOct 22, 1986

Ratios

P/E11.87
Forward P/E10.69
PEG1.16
P/S1.77
P/B1.32
P/C-
P/FCF16.00
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.16
Debt/Eq1.15
LT Debt/Eq1.15
Option/ShortYes / Yes

Earnings

EPS (ttm)195.15
EPS next Y216.64
EPS next Q51.70
EPS this Y16.30%
EPS next Y4.72%
EPS next 5Y9.19%
EPS past 3/5Y34.85% 28.32%
Sales past 3/5Y41.55% 49.14%
EPS Y/Y TTM15.37%
Sales Y/Y TTM-0.40%
EPS Q/Q18.95%
Sales Q/Q1.36%
EarningsOct 23 BMO
EPS/Sales Surpr.19.90% 1.93%

Ownership

Insider Own36.81%
Insider Trans-0.19%
Inst Own59.22%
Inst Trans-
ROA1.01%
ROE10.98%
ROIC5.17%
Gross Margin-
Oper. Margin20.12%
Profit Margin15.85%
SMA201.92%
SMA506.55%
SMA20011.81%
Trades-

Technical

Shs Outstand10.11M
Shs Float7.14M
Short Float5.97%
Short Ratio5.99
Short Interest0.43M
52W High2429.96 -4.71%
52W Low1759.27 31.62%
Volatility2.69% 2.56%
ATR (14)58.42
RSI (14)59.33
Beta0.60
Rel Volume1.35
Avg Volume71.10K
Volume95,976

Performance

Perf Week-0.70%
Perf Month11.59%
Perf Quarter2.10%
Perf Half Y21.27%
Perf YTD7.89%
Perf Year27.42%
Perf 3Y64.76%
Perf 5Y174.52%
Perf 10Y616.95%
Recom2.93
Target Price2492.38
Prev Close2311.52
Price2315.61
Change %0.18%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 14, 2026ResumedUUBSNeutral$2250-2.8%
Jul 09, 2026DowngradeKKeefe BruyetteOutperform → Mkt Perform$2300-0.7%
Apr 08, 2026DowngradeDDeutsche BankBuy → Hold$2154-7.0%
Nov 20, 2025UpgradeRRaymond JamesOutperform → Strong Buy$2100 → $2200-5.0%
Jul 28, 2025DowngradePPiper SandlerOverweight → Neutral$2150-7.2%
May 21, 2025InitiatedJJefferiesHold$2050-11.5%
May 15, 2025InitiatedTTD CowenBuy$2400+3.6%
Mar 11, 2025UpgradePPiper SandlerNeutral → Overweight$2250-2.8%
Jan 14, 2025UpgradeKKeefe BruyetteMkt Perform → Outperform$2500+8.0%
Dec 17, 2024ResumedUUBSBuy

Peers

Mkt cap
TickerCompanyMkt cap
RFRegions Financial Corp24.31B
CFGCitizens Financial Group Inc27.41B
HBANHuntington Bancshares Inc32.00B
KEYKeycorp22.64B
MTBM & T Bank Corp31.58B
TFCTruist Financial Corp60.24B
FITBFifth Third Bancorp49.16B
EWBCEast West Bancorp Inc17.91B
PNCPNC Financial Services Group Inc92.05B
WALWestern Alliance Bancorp8.14B

Insider trading

latest 14 of 22
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Holding Olivia Britton10% OwnerSep 15 '26Sale19.537,000136,70015,000Sep 17 05:07 PM
Holding Properties, LLCAffiliateSep 15 '26Proposed Sale19.4022,000426,800Sep 15 11:19 AM
Morais Diane E.DirectorAug 19 '26Buy2168.1150108,405100Aug 20 12:33 PM
The Robert P. Holding FoundatiAffiliateAug 17 '26Proposed Sale2253.131,5003,379,695Aug 17 11:01 AM
HOLDING FRANK B JRChairman and CEOJun 05 '26Buy2018.73137276,56664,572Jun 08 07:03 PM
HOLDING FRANK B JRChairman and CEOJun 05 '26Buy1920.80335643,46764,435Jun 08 07:01 PM
HOLDING FRANK B JRChairman and CEOJun 05 '26Buy1813.37528957,46164,100Jun 08 06:59 PM
HOLDING FRANK B JRChairman and CEOJun 04 '26Buy1794.992544,87563,572Jun 08 06:59 PM
HOLDING FRANK B JRChairman and CEOJun 04 '26Buy1751.95225394,18963,547Jun 08 06:58 PM
Alemany Ellen RDirectorJun 04 '26Sale2047.122,5205,158,74345Jun 08 03:59 PM
Alemany Ellen RDirectorJun 02 '26Proposed Sale1969.962,5204,964,299Jun 02 11:50 AM
HOLDING FRANK B JRChairman and CEOMay 12 '26Buy1726.825,94010,257,31138,111May 12 08:32 PM
HOLDING FRANK B JRChairman and CEOMay 12 '26Sale1918.695,34610,257,317100,654May 12 08:32 PM
HOLDING FRANK B JRChairman and CEOMar 19 '26Buy1550.0092142,6002,841Mar 19 05:12 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
USMViShares MSCI USA Min Vol Factor ETFAUM: 24.30B
IWRiShares Russell Mid-Cap ETFAUM: 58.68B
SDVYFirst Trust SMID Cap Rising Dividend Achievers ETFAUM: 11.33B
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.14B
AVLVAvantis U.S. Large Cap Value ETFAUM: 22.90B
IWDiShares Russell 1000 Value Index FundAUM: 84.71B

News

latest 14 of 200
  • First Citizens Bank Opens New Banking Office and Branch in Downtown Santa Monica (PR Newswire)
  • Dow and Small Caps Climb Weekly While Nasdaq Slips on Megacap Earnings Charges (PR Newswire) +8.15%
  • First Citizens Crushes Consensus As Loan Growth Surges And Guidance Rises, But Flat Revenue And Costlier Funding Temper The Beat (Earnings Whispers)
  • First Citizens: Q3 Earnings Snapshot (Associated Press)
  • First Citizens BancShares Reports Third Quarter 2026 Earnings, Announces Additional Share Repurchase Plan (PR Newswire)
  • First Citizens BancShares Declares Dividends (PR Newswire)
  • Pivot Energy Closes $173 Million Term Loan Facility for 135 MWdc Distributed Solar Portfolio (PR Newswire)
  • Halloween Budgets Top Thanksgiving: 38% Plan to Spend $300 or More, CIT Bank Survey Finds (PR Newswire)
  • First Citizens Bank Launches New Innovation Banking Brand (PR Newswire)
  • First Citizens BancShares, Inc. Announces Date of Third Quarter 2026 Earnings Call (PR Newswire)
  • CB Insights Joins Silicon Valley Bank's Partner Network to Give Innovators a Competitive Edge (PR Newswire)
  • First Citizens Bank Provides $157 Million to Morningstar Properties (PR Newswire)
  • First Citizens Bank Completes 138-Branch Acquisition, Adding $5 Billion in Deposits (InvestorsHub)
  • First Citizens Bank Completes Branch Acquisition, Expanding Presence Across the Midwest, Great Plains and West (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-2355.37046.18251.2302,2742,23112
2026Q22026-07-2357.09040.68755.4802,2422,19212
2026Q12026-04-2344.86039.55842.6002,2412,17111
2025Q42026-01-2351.27043.98745.7822,3832,20913
2025Q32025-10-2344.62041.86743.1152,2522,21713
2025Q22025-07-2544.78039.71542.3812,3782,18314
2025Q12025-04-2437.79037.90634.4752,2952,18712
2024Q42025-01-2445.10038.96549.1822,2252,24113
2024Q32024-10-2445.87047.09743.4062,2742,38911
2024Q22024-07-2550.87044.56347.5422,2992,25611
2024Q12024-04-2552.92043.80049.2562,2982,28210
2023Q42024-01-2646.58048.57434.3202,3712,3609
2023Q32023-10-2655.92048.83350.6912,6052,3537
2023Q22023-08-0352.60045.92045.8802,4232,3286
2023Q12023-05-1020.09022.292653.661,1591,1534
2022Q42023-01-2620.94022.98316.6351,0971,1084

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2010FY18.50010.61018.5001,1801,113
2012FY13.110-13.1101,104-
2020FY42.620-47.4971,777-
2021FY53.88050.05353.8811,8981,822
2022FY77.24071.65267.3964,0734,108
2023FY175.22173.58784.558,9798,437
2024FY194.96186.69189.379,0909,301
2025FY177.88169.04165.249,0278,814
2026FY-206.87--8,979
2027FY-216.64--9,621
2028FY-231.56--9,977

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-307502,3472,2962,479
2026Q4S2026-10-297502,3242,2962,355
2026Q4S2026-10-267402,3082,2312,355
2026Q4S2026-10-237202,2972,2312,355
2026Q4S2026-10-075102,2672,2312,326
2026Q4S2026-10-016112,2632,2312,326
2026Q4S2026-09-306112,2612,2312,326
2026Q4S2026-09-236012,2572,2312,300
2026Q4S2026-09-075012,2612,2312,300
2026Q4S2026-09-036022,2572,2312,300
2026Q4S2026-07-316112,2832,2312,397
2026Q4S2026-07-306022,2572,2312,300
2026Q4S2026-07-276112,2862,2312,413
2026Q4S2026-07-246112,2842,2312,413

Estimate history

EPS, annual26.95633.53141.05347.49753.88167.396784.546189.365165.277195.1476
Period201720182019202020212022202320242025TTM
EPS, quarterly43.40649.18234.47542.38143.11545.78242.655.4851.287
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual1459.5221604.6631800.9241960.7761928.479510112652149331446814451
Period201720182019202020212022202320242025TTM
Sales, quarterly377536813532361436823640347336063732
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual12.0111.62810.6299.8169.81614.50614.5213.71812.13911.112
Period201720182019202020212022202320242025MRQ
Shares, quarterly14.17913.71813.41513.07612.61912.13911.68911.3911.112
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income11,542.0011,778.0012,353.0010,391.003,413.001,451.011,484.031,404.011,245.76
Total Interest Expense4,844.004,964.005,210.003,679.00467.0060.6895.8692.6436.86
Net Interest Income6,698.006,814.007,143.006,712.002,946.001,390.331,388.171,311.371,208.90
Loan Loss Provision171.00514.00431.001,375.00645.00-36.8458.3531.4428.47
Net Interest Income After Loan Loss Provision6,527.006,300.006,712.005,337.002,301.001,427.171,329.821,279.931,180.43
Non-Interest Income2,909.002,690.002,580.002,261.001,688.00477.47476.75396.91358.91
Non-Interest Expense6,529.005,899.005,518.004,879.002,849.001,204.051,171.231,086.581,070.51
Operating Income2,907.003,091.003,774.002,719.001,140.00700.59635.33590.27468.83
Unusual Expense107.00150.00212.00-9,338.00-207.0029.4617.4517.17-20.09
Net Income Before Taxes3,212.002,971.003,592.0012,077.001,362.00701.66617.88592.05503.61
Income Taxes820.00765.00815.00611.00264.00154.20126.16134.68103.30
Consolidated Net Income2,392.002,206.002,777.0011,466.001,098.00547.46491.72457.37400.31
Net Income From Continuing Operations2,392.002,206.002,777.0011,466.001,098.00547.46491.72457.37400.31
Net Income2,291.002,149.002,716.0011,407.001,048.00528.91477.66457.37400.31
EPS (Recurring)210.29173.35199.71334.9758.0855.9848.7142.1332.35
EPS (Basic, Before Extraordinaries)195.15165.28189.38785.1867.4753.8847.5041.0533.53
EPS (Diluted)195.15165.28189.37784.5567.4053.8847.5041.0533.53
Non-Operating Income (Expense)46.0030.0030.0020.0015.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-0.009.480.7959.25----
Price To Earnings Ratio11.8711.8712.111.8512.0515.4012.0112.9611.24
Price To Sales Ratio1.601.932.031.632.314.222.953.292.81
Operating Margin20.1221.3625.2721.4922.3536.3332.4032.7829.22
Net Margin15.8514.8518.1990.1620.5427.4324.3625.4024.95
Shares Outstanding11.1112.1413.7214.5214.519.829.8210.6311.63
Market Capitalization26,150.4226,150.4229,560.0920,603.4410,999.038,146.055,637.275,714.714,452.96

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income2,965.002,851.002,786.002,940.002,998.002,945.002,895.003,001.00
Total Interest Expense1,266.001,195.001,165.001,218.001,264.001,250.001,232.001,292.00
Net Interest Income1,699.001,656.001,621.001,722.001,734.001,695.001,663.001,709.00
Loan Loss Provision55.00-10.0072.0054.00191.00115.00154.00155.00
Net Interest Income After Loan Loss Provision1,644.001,666.001,549.001,668.001,543.001,580.001,509.001,554.00
Non-Interest Income767.00755.00687.00700.00684.00669.00637.00680.00
Non-Interest Expense1,773.001,698.001,529.001,529.001,451.001,461.001,458.001,447.00
Operating Income638.00723.00707.00839.00776.00788.00688.00787.00
Unusual Expense37.0015.0013.0042.0028.0038.0042.0062.00
Net Income Before Taxes805.00891.00705.00811.00751.00758.00651.00736.00
Income Taxes199.00219.00171.00231.00183.00183.00168.0036.00
Consolidated Net Income606.00672.00534.00580.00568.00575.00483.00700.00
Net Income From Continuing Operations606.00672.00534.00580.00568.00575.00483.00700.00
Net Income577.00640.00508.00566.00554.00561.00468.00685.00
EPS (Recurring)53.5956.3943.3648.1644.6444.3936.6452.30
EPS (Basic, Before Extraordinaries)51.2955.4842.6045.7843.1242.3834.4749.18
EPS (Diluted)51.2955.4842.6045.7843.1242.3834.4749.18
Non-Operating Income (Expense)7.0014.0011.0014.003.008.005.0011.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense----0.000.000.00-
Price To Earnings Ratio11.8711.9711.3712.6910.5611.219.7912.11
Price To Sales Ratio1.601.671.561.831.581.771.711.97
Operating Margin17.1020.0520.3623.0521.0821.8019.4821.38
Net Margin15.4617.7514.6315.5515.0515.5213.2518.61
Shares Outstanding11.1111.3911.6912.1412.6213.0813.4113.72
Market Capitalization26,150.4224,110.1122,497.5626,689.0423,118.0925,999.3325,091.0629,560.09

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks801.00814.00908.00518.00337.81362.05376.72327.44336.15
Investments65,273.0068,935.0066,896.0025,570.0022,520.8514,558.988,516.527,824.578,747.36
Net Loans146,364.00138,545.00131,555.0069,859.0032,193.0332,567.6628,656.3525,299.5623,374.93
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets119.0056.0058.0047.0039.3350.8946.5948.0351.10
Net Property, Plant & Equipment12,362.0011,645.0010,977.009,957.001,296.621,319.331,321.511,204.181,138.43
Interest Receivables912.00902.00832.00329.00134.24145.69123.15109.9095.25
Deferred Tax Assets--1,425.001,389.00-----
Other Intangible Assets3,867.002,823.002,532.003,018.001,786.26953.08783.65594.94912.29
Total Assets229,698.00223,720.00215,183.00110,687.0058,308.1449,957.6839,824.5035,408.6334,527.51
Total Deposits161,578.00155,229.00145,854.0089,408.0051,406.0943,431.6134,431.2430,672.4629,266.28
Total Debt36,337.0037,408.0038,050.006,997.001,847.911,957.991,403.62892.151,564.05
Long Term Debt36,055.0037,003.0037,534.004,245.001,163.231,291.48648.99309.87870.24
Provision for Risks Charges1,302.001,302.00992.00373.0055.2253.7070.0010.9936.95
Deferred Tax Liabilities-3,534.005,004.001,675.00-----
Other Liabilities8,243.004,019.004,028.002,572.00261.68285.11333.46344.07326.18
Total Liabilities207,460.00201,492.00193,928.00101,025.0053,570.9045,728.4136,238.3131,919.6731,193.45
Preferred Stock - Carrying Value1,375.00881.00881.00881.00339.94339.940.000.000.00
Common Equity20,863.0021,347.0020,374.008,781.004,397.303,889.333,586.183,488.953,334.06
Total Shareholders Equity22,238.0022,228.0021,255.009,662.004,737.244,229.273,586.183,488.953,334.06
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity22,238.0022,228.0021,255.009,662.004,737.244,229.273,586.183,488.953,334.06
Total Liabilities & Stockholders Equity229,698.00223,720.00215,183.00110,687.0058,308.1449,957.6839,824.5035,408.6334,527.51
Book Value Per Share1,718.651,556.171,403.16605.33447.95396.21337.38300.04277.60
Tangible Book Value Per Share1,674.091,512.801,357.84571.82408.31357.23298.09273.49258.97
Tier 1 Capital21,660.0022,137.0021,150.009,902.004,380.453,856.093,344.303,463.313,287.36
Tier 2 Capital3,285.002,473.002,741.001,897.00661.23721.13387.20363.32339.43
Full-Time Employees18,14117,47516,02110,6846,8466,7227,1766,6836,799
Price to Book Ratio1.321.371.062.371.851.451.581.261.46
Return on Assets0.971.277.041.301.011.101.221.140.96
Return on Equity9.9212.7774.1715.2512.2112.5812.9311.7310.20
Return on Invested Capital3.784.6919.507.909.288.9110.8010.547.70
Current Ratio0.190.210.330.110.300.180.070.060.09

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations3,388.003,035.003,517.002,833.002,047.00-274.03396.23577.14508.94
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-221.00-112.00-529.00-173.00744.00-9.75-56.22-36.57256.86
Cash from Operating Activities3,167.002,923.002,988.002,660.002,791.00-283.78340.01540.57765.80
Capital Expenditures-1,565.00-1,562.00-1,535.00-1,428.00-926.00-107.37-133.38-121.08-140.44
Net Assets From Acquisitions0.000.000.000.000.000.00-60.00-236.73-155.13
Sale of Fixed Assets and Businesses328.00285.00250.001,053.00242.001.191.370.131.72
Purchase or Sale of Investments-550.003,409.00-13,439.00-10,382.00-618.00-7,844.08-5,790.4658.131,100.82
Purchase of Investments-20,182.00-14,437.00-23,288.00-13,525.00-2,740.00-12,545.46-13,849.21-5,019.98-1,551.93
Sale Or Maturity of Investments19,632.0017,846.009,849.003,143.002,122.004,701.378,058.765,078.112,652.75
Other Uses-774.00-806.00-546.00--538.00-41.43-99.47-0.29-3.57
Other Sources231.00212.000.001,396.0049.000.000.000.000.00
Cash from Investing Activities-4,076.00-5,611.00-10,155.002,429.0075.00-7,568.43-9,871.76-1,558.47-210.89
Cash Dividends Paid-199.00-161.00-158.00-117.00-83.00-41.61-30.39-18.14-16.78
Change in Capital Stock-1,825.00-2,533.00-1,648.000.00-1,240.000.006.18-453.12-163.09
Repurchase of Common Pref Stock-3,005.00-3,027.00-1,648.000.00-1,240.000.00-333.75-453.12-163.09
Sale of Common Pref Stock1,180.00494.000.000.000.000.00339.940.000.00
Proceedsfrom Stock Options1,180.00494.000.000.000.000.00339.940.000.00
Issuance or Reduction of Debt, Net-14,170.00-1,155.00-568.00-4,840.00352.00-106.72562.3799.01-873.96
Change in Long Term Debt-13,863.00-1,012.00-450.00-3,129.00-1,245.00-54.33659.11126.72-627.45
Issuance of Long Term Debt1,640.001,838.000.009,991.003,854.000.00745.85200.00125.00
Reduction of Long Term Debt-15,503.00-2,850.00-450.00-13,120.00-5,099.00-54.33-86.74-73.28-752.45
Net Financing Active Other Cash Flow-1.000.00-14.00-7.00-24.000.000.000.000.00
Other Financing Activities Uses-0.00-14.00-7.00-24.000.00---
Cash from Financing Activities1,016.002,675.007,073.00-4,699.00-2,686.007,827.989,517.071,067.18-563.62
Net Change in Cash107.00-13.00-94.00390.00180.00-24.23-14.6749.28-8.71
Free Cash Flow1,602.001,361.001,453.001,232.001,865.00-391.15206.63419.49625.36
Preferred Dividends (Cash Flow)---61.00-60.00-49.00--0.000.00
Price to Free Cash Flow16.5223.2523.4018.506.62-32.7714.777.40
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks981.001,519.001,080.00801.00874.00889.00
Investments66,936.0068,843.0069,989.0065,273.0073,586.0073,207.00
Net Loans155,754.00149,550.00147,134.00146,364.00143,106.00139,597.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment12,817.0012,556.0012,469.0012,362.0012,034.0011,899.00
Interest Receivables1,007.00943.00955.00912.00945.00902.00
Other Intangible Assets3,610.003,318.004,222.003,867.002,848.003,062.00
Total Assets241,182.00236,842.00235,959.00229,698.00233,488.00229,653.00
Total Deposits185,264.00173,427.00170,842.00161,578.00163,190.00159,935.00
Total Debt24,803.0032,498.0034,279.0036,337.0039,016.0038,468.00
Long Term Debt24,710.0032,379.0034,144.0036,055.0038,633.0038,037.00
Provision for Risks Charges1,034.00908.00747.001,302.001,090.00985.00
Deferred Tax Liabilities----3,580.003,560.00
Other Liabilities8,504.008,109.008,043.008,243.004,626.004,409.00
Total Liabilities219,605.00214,942.00213,911.00207,460.00211,502.00207,357.00
Preferred Stock - Carrying Value2,061.001,765.001,765.001,375.00881.00881.00
Common Equity19,516.0020,135.0020,283.0020,863.0021,105.0021,415.00
Total Shareholders Equity21,577.0021,900.0022,048.0022,238.0021,986.0022,296.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity21,577.0021,900.0022,048.0022,238.0021,986.0022,296.00
Total Liabilities & Stockholders Equity241,182.00236,842.00235,959.00229,698.00233,488.00229,653.00
Book Value Per Share1,756.371,767.721,735.171,718.651,672.531,637.74
Tangible Book Value Per Share1,687.341,722.331,690.011,674.091,628.621,594.37
Tier 1 Capital-21,650.0021,635.0021,660.0021,524.0021,896.00
Tier 2 Capital-3,030.003,165.003,285.003,377.002,817.00
Full-Time Employees---18,141--
Price to Book Ratio1.321.201.101.281.091.23
Return on Assets1.011.010.970.971.021.07
Return on Equity10.9810.6510.189.9210.3810.70
Return on Invested Capital1.311.240.950.990.940.95
Current Ratio0.160.200.210.190.290.25

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations812.00890.00955.00731.00816.00804.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital90.00153.00-783.00319.00100.0055.00
Cash from Operating Activities902.001,043.00172.001,050.00916.00859.00
Capital Expenditures-367.00-290.00-335.00-573.00-375.00-341.00
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses92.0091.0055.0090.0071.0061.00
Purchase or Sale of Investments-1,443.00-1,157.00-1,533.003,583.00-1,364.001,217.00
Purchase of Investments-4,320.00-6,404.00-2,886.00-6,572.00-4,595.00-1,011.00
Sale Or Maturity of Investments2,877.005,247.001,353.0010,155.003,231.002,228.00
Other Uses-164.00-118.00-149.00-343.00-191.00-158.00
Other Sources230.0089.0092.00-180.00265.00-2.00
Cash from Investing Activities-416.00-752.00-6,537.003,629.00-3,801.00-562.00
Cash Dividends Paid-53.00-55.00-51.00-40.00-39.00-40.00
Change in Capital Stock-304.00-216.00-899.00-406.00-896.00-613.00
Repurchase of Common Pref Stock-600.00-606.00-899.00-900.00-896.00-613.00
Sale of Common Pref Stock296.00390.000.00494.000.000.00
Proceedsfrom Stock Options296.00390.000.00494.000.000.00
Issuance or Reduction of Debt, Net-7,642.00-1,773.00-2,060.00-2,695.00546.00-330.00
Change in Long Term Debt-7,606.00-1,755.00-2,006.00-2,496.00594.00-351.00
Issuance of Long Term Debt397.00747.00497.00-1.00597.000.00
Reduction of Long Term Debt-8,003.00-2,502.00-2,503.00-2,495.00-3.00-351.00
Net Financing Active Other Cash Flow0.00-390.00390.00-1.000.001.00
Cash from Financing Activities-1,024.00148.006,644.00-4,752.002,870.00-220.00
Net Change in Cash-538.00439.00279.00-73.00-15.0077.00
Free Cash Flow535.00753.00-163.00477.00541.00518.00
Price to Free Cash Flow16.5216.8718.6822.1116.4318.78

Revenue breakdown

State Commercial Banks2024: 9.76B 2025: 9.54B
United States2024: 9.76B 2025: 9.54B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.97%0.4M7.1M67.40K
2026-10-156.20%0.4M7.1M64.33K
2026-09-306.65%0.5M7.1M67.86K
2026-09-156.56%0.5M7.1M73.13K
2026-08-316.22%0.4M7.2M75.66K
2026-08-145.82%0.4M7.2M77.87K
2026-07-316.05%0.5M7.5M78.54K
2026-07-156.85%0.5M7.5M76.39K
2026-06-306.92%0.5M7.5M74.34K
2026-06-157.87%0.6M7.5M75.93K
2026-05-297.78%0.6M7.5M83.35K
2026-05-157.21%0.5M7.5M88.33K
2026-04-307.12%0.5M7.7M98.09K
2026-04-157.39%0.6M7.7M107.85K
2026-03-317.34%0.6M7.9M109.09K
2026-03-136.94%0.5M7.9M104.25K
2026-02-276.74%0.5M7.9M96.51K
2026-02-135.86%0.5M8.1M98.31K
2026-01-306.11%0.5M8.1M93.06K
2026-01-155.59%0.5M8.3M94.27K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call9801,3311,3461,3093.0611.001.000.998-0.3150.020
call1,0001,3111,3251,0702.9260.000.000.998-0.3170.021
call1,0201,2891,3060.002.9890.000.000.987-1.7830.116
call1,0401,2691,2860.002.9240.000.000.987-1.7810.118
call1,0601,2491,2661,0752.8611.000.000.987-1.7780.121
call1,0801,2291,2461,0762.7991.000.000.987-1.7760.123
call1,1001,2091,2260.002.7430.000.000.986-1.7730.125
call1,1201,1891,2060.002.6830.000.000.986-1.7700.128
call1,1401,1691,1860.002.6240.000.000.986-1.7670.130
call1,1601,1491,1660.002.5670.000.000.985-1.7640.133
call1,1801,1291,1460.002.5140.000.000.985-1.7610.135
call1,2001,1091,1261,1542.4581.000.000.985-1.7570.138
call1,2201,0891,1060.002.4040.000.000.984-1.7540.141
call1,2401,0691,0860.002.3490.000.000.984-1.7500.143
call1,2601,0491,0660.002.3000.000.000.984-1.7460.146
call1,2801,0291,0460.002.2480.000.000.983-1.7420.149
call1,3001,0091,0260.002.1960.000.000.983-1.7380.152
call1,320988.91,0060.002.1490.000.000.982-1.7340.155
call1,3409699860.002.0990.000.000.982-1.7300.158
call1,360949966.10.002.0490.000.000.982-1.7250.161
call1,380929946.10.002.0000.000.000.981-1.7200.165
call1,400909926.10.001.9560.000.000.981-1.7150.168
call1,420889.1906.2751.091.9082.000.000.980-1.7100.172
call1,440872886.2870.21.8111.000.000.980-1.7050.175
call1,460849.1866.20.001.8150.000.000.979-1.6990.179
call1,480829.1846.2713.91.7721.000.000.979-1.6940.183
call1,500809.2826.30.001.7270.000.000.978-1.6880.187
call1,520789.2806.30.001.6820.000.000.978-1.6820.191
call1,540769.2786.30.001.6370.000.000.977-1.6750.195
call1,560749.2766.30.001.5970.000.000.976-1.6690.199
call1,580729.3746.4657.51.4972.000.000.976-1.6620.204
call1,600709.3726.40.001.5100.000.000.975-1.6550.209
call1,620689.3706.40.001.4700.000.000.975-1.6480.213
call1,640669.4686.50.001.4280.000.000.974-1.6400.218
call1,650659.4676.50.001.4070.000.000.973-1.6360.221
call1,660649.4666.50.001.3870.000.000.973-1.6320.224
call1,670640656.50.001.3660.000.000.973-1.6280.226
call1,680630646.50.001.3450.000.000.972-1.6240.229
call1,690620636.50.001.3270.000.000.972-1.6200.232
call1,700610626.5655.81.3071.000.000.971-1.6160.235
call1,710600616.60.001.2860.000.000.971-1.6110.238
call1,720590606.6357.71.2661.000.000.971-1.6070.241
call1,730580596.60.001.2460.000.000.970-1.6020.244
call1,740570586.6349.31.2261.000.000.970-1.5980.247
call1,750560576.60.001.2060.000.000.969-1.5930.250
call1,760550566.60.001.1880.000.000.969-1.5880.254
call1,770540556.7343.11.1681.000.000.968-1.5830.257
call1,780530546.70.001.1480.000.000.968-1.5780.261
call1,790520536.74381.1296.000.000.967-1.5730.264
call1,800510526.7271.551.1092.000.000.966-1.5680.268
call1,810500516.70.001.0910.000.000.966-1.5620.272
call1,820490506.8313.81.0721.000.000.965-1.5570.276
call1,830480496.80.001.0520.000.000.965-1.5510.280
call1,840470486.8246.551.0331.000.000.964-1.5450.284
call1,850460476.80.001.0130.000.000.963-1.5390.288
call1,860450466.84120.9961.000.000.963-1.5330.292
call1,870440456.94380.9771.000.000.962-1.5270.297
call1,880430446.90.000.9580.000.000.961-1.5210.301
call1,890420436.90.000.9400.000.000.961-1.5140.306
call1,900411427385.60.90920.000.000.960-1.5070.311
call1,910402.74173700.8882.000.000.959-1.5010.316
call1,920392.84063660.8291.000.000.958-1.4930.321
call1,930382.83963580.8111.000.000.957-1.4860.327
call1,940372.83863780.7921.000.000.956-1.4790.332
call1,960352.9366.2285.780.7601.000.000.954-1.4630.344
call1,980333346.11350.7223.000.000.952-1.4470.357
call2,000313.2326.4111.50.6915.000.000.948-1.4880.383
call2,020293.3306.6118.40.65918.000.000.945-1.4690.399
call2,040273.4286.6233.10.6227.000.000.942-1.4470.416
call2,060253.6267.994.000.61417.000.000.939-1.4240.434
call2,080231.1248.282.700.5976.000.000.935-1.4000.454
call2,100212.4228.5290.50.5632.000.000.930-1.4050.486
call2,120191.5208.81790.5282.000.000.886-2.1110.694
call2,140172.2189.32220.4954.000.000.877-2.0730.732
call2,160152.6170239.030.46211.000.000.866-2.0330.777
call2,180132.8150.8216.30.43178.000.000.853-1.9950.829
call2,200115133.1190.60.39739.000.000.837-1.9480.888
call2,220100.1115.61450.39310.000.000.810-1.9730.977
call2,24084.1097.40163.20.3172.000.000.759-2.2201.122
call2,26067.5081.90111.30.3368.000.000.701-2.4331.250
call2,28052.9067.8054.920.3275.000.000.641-2.5151.346
call2,30041.9052.7047.710.30247.001.000.573-2.5671.413
call2,32028.6043.6076.960.3119.000.000.501-2.5911.437
call2,34019.1030.3025.890.28049.001.000.423-2.3691.410
call2,36011.4026.0066.000.3031.000.000.356-2.3301.342
call2,3805.6020.608.420.3113.000.000.297-2.2271.246
call2,4001.3018.4045.500.33433.000.000.254-2.1881.154
call2,4200.5017.1055.570.35346.000.000.220-2.1501.067
call2,4400.0513.6044.000.36543.000.000.187-2.0230.969
call2,4600.0515.805.000.4001.000.000.172-2.0790.919
call2,4800.004.9026.050.3223.000.000.099-1.2060.630
call2,5000.004.903.000.35010.000.000.090-1.2030.586
call2,5500.004.900.000.4170.000.000.075-1.2170.509
call2,6000.004.9011.000.4809.000.000.067-1.2790.465
call2,6500.004.900.000.5400.000.000.060-1.3310.431
call2,7000.104.901.000.59816.000.000.055-1.3770.403
call2,8000.004.9027.970.7072.000.000.048-1.4550.361
call2,9000.004.901.000.8102.000.000.043-1.5200.330
call3,0000.004.900.000.9060.000.000.039-1.5750.305
put9800.0013.600.052.00335.000.00-0.002-0.2300.020
put1,0000.0013.600.051.95830.000.00-0.002-0.2290.021
put1,0200.0013.500.002.5830.000.00-0.012-1.6930.116
put1,0400.0013.500.002.5270.000.00-0.013-1.6890.118
put1,0600.0013.500.002.4720.000.00-0.013-1.6840.121
put1,0800.0013.500.002.4190.000.00-0.013-1.6790.123
put1,1000.0013.500.152.3661.000.00-0.014-1.6740.125
put1,1200.0013.500.152.3141.000.00-0.014-1.6690.128
put1,1400.0013.500.152.2632.000.00-0.014-1.6640.130
put1,1600.0013.500.152.2132.000.00-0.015-1.6580.133
put1,1800.0013.500.152.1642.000.00-0.015-1.6530.135
put1,2000.0013.500.152.1151.000.00-0.015-1.6470.138
put1,2200.0013.500.002.0670.000.00-0.016-1.6420.141
put1,2400.0013.500.602.0203.000.00-0.016-1.6360.143
put1,2600.0013.500.701.9743.000.00-0.016-1.6300.146
put1,2800.0013.500.801.9293.000.00-0.017-1.6230.149
put1,3000.0013.500.301.8845.000.00-0.017-1.6170.152
put1,3200.0013.500.901.8401.000.00-0.017-1.6110.155
put1,3400.0013.502.531.79610.000.00-0.018-1.6040.158
put1,3600.0013.500.501.7534.000.00-0.018-1.5970.161
put1,3800.0013.600.551.7115.000.00-0.019-1.5900.165
put1,4000.0013.600.701.6696.000.00-0.019-1.5830.168
put1,4200.0013.601.401.6274.000.00-0.020-1.5760.172
put1,4400.0013.601.501.5871.000.00-0.020-1.5680.175
put1,4600.0013.600.001.5460.000.00-0.021-1.5600.179
put1,4800.0013.600.001.5060.000.00-0.021-1.5530.183
put1,5000.0013.600.101.4674.000.00-0.022-1.5440.187
put1,5200.0013.600.501.4289.000.00-0.022-1.5360.191
put1,5400.0013.601.501.3908.000.00-0.023-1.5280.195
put1,5600.0013.601.701.3522.000.00-0.023-1.5190.199
put1,5800.004.902.451.3142.000.00-0.025-1.5610.214
put1,6000.004.901.001.2774.000.00-0.026-1.5510.219
put1,6200.004.901.001.2403.000.00-0.027-1.5410.224
put1,6400.004.901.001.2032.000.00-0.027-1.5310.229
put1,6500.004.900.001.1850.000.00-0.028-1.5260.232
put1,6600.004.900.001.1670.000.00-0.027-1.4710.224
put1,6700.004.900.001.1490.000.00-0.027-1.4660.226
put1,6800.004.905.651.1312.000.00-0.028-1.4610.229
put1,6900.004.900.001.1140.000.00-0.028-1.4550.232
put1,7000.004.900.001.0960.000.00-0.029-1.4500.235
put1,7100.004.900.001.0780.000.00-0.029-1.4450.238
put1,7200.004.900.001.0610.000.00-0.029-1.4390.241
put1,7300.004.900.001.0430.000.00-0.030-1.4330.244
put1,7400.004.900.001.0260.000.00-0.030-1.4280.247
put1,7500.004.903.001.0082.000.00-0.031-1.4220.250
put1,7600.004.900.000.9910.000.00-0.031-1.4160.254
put1,7700.004.909.740.9742.000.00-0.032-1.4100.257
put1,7800.004.9010.050.9572.000.00-0.032-1.4040.261
put1,7900.004.900.000.9400.000.00-0.033-1.3970.264
put1,8000.004.9044.000.9233.000.00-0.033-1.3910.268
put1,8100.004.900.000.9060.000.00-0.034-1.3840.272
put1,8200.004.900.000.8890.000.00-0.035-1.3780.276
put1,8300.004.901.000.8721.000.00-0.035-1.3710.280
put1,8400.004.900.000.8550.000.00-0.036-1.3640.284
put1,8500.004.909.580.8381.000.00-0.036-1.3570.288
put1,8600.004.900.000.8220.000.00-0.037-1.3500.292
put1,8700.004.908.560.8051.000.00-0.038-1.3430.297
put1,8800.004.900.000.7880.000.00-0.039-1.3350.301
put1,8900.004.900.530.7722.000.00-0.039-1.3270.306
put1,9000.004.901.250.7554.000.00-0.040-1.3200.311
put1,9100.004.900.450.7395.001.00-0.041-1.3120.316
put1,9200.004.901.500.7221.000.00-0.042-1.3030.321
put1,9300.004.901.000.7062.000.00-0.043-1.2950.327
put1,9400.004.602.430.6932.001.00-0.044-1.3070.336
put1,9600.004.901.210.6573.000.00-0.045-1.2690.344
put1,9800.004.602.470.62533.001.00-0.048-1.2500.357
put2,0000.004.901.000.60044.001.00-0.052-1.2900.383
put2,0200.004.902.200.5671.000.00-0.055-1.2670.399
put2,0400.004.901.000.53510.001.00-0.058-1.2440.416
put2,0600.004.9032.670.5024.000.00-0.061-1.2190.434
put2,0800.004.9053.100.4700.000.00-0.065-1.1920.454
put2,1000.004.903.100.4374.000.00-0.070-1.1940.486
put2,1200.0514.507.300.4871.000.00-0.113-1.8770.690
put2,1400.0515.7012.000.45011.000.00-0.118-1.7700.713
put2,1600.0516.004.500.41329.000.00-0.127-1.7070.751
put2,1800.0516.50104.50.3750.000.00-0.147-1.7760.829
put2,2000.0517.2018.000.33624.000.00-0.163-1.7270.888
put2,2200.0516.6011.100.2972.000.00-0.190-1.7500.977
put2,2404.2016.5022.300.3193.000.00-0.244-2.0441.131
put2,2607.5021.5019.970.31421.001.00-0.293-2.1161.240
put2,28013.1026.6024.900.3008.000.00-0.358-2.2851.346
put2,30020.8035.7037.000.3073.000.00-0.427-2.3351.413
put2,32029.4044.0049.550.29856.000.00-0.499-2.3561.437
put2,34040.3054.0041.430.29012.000.00-0.577-2.1321.410
put2,36053.0066.0090.600.2864.000.00-0.644-2.0911.342
put2,38066.3082.001020.29858.000.00-0.703-1.9861.246
put2,40082.2098.800.000.3090.000.00-0.746-1.9451.154
put2,42099.30115.565.500.3120.000.00-0.779-1.9181.070
put2,440117.11340.000.3480.000.00-0.813-1.7750.969
put2,460136.4152.4144.450.3601.000.00-0.828-1.8290.919
put2,480156173.10.000.3880.000.00-0.900-0.9540.630
put2,500175.7192.9160.970.4081.000.00-0.910-0.9480.586
put2,550225.6242257.50.4991.000.00-0.925-0.9570.509
put2,600275.6292.3218.30.5640.000.00-0.933-1.0130.465
put2,650325.6342.70.000.6280.000.00-0.940-1.0600.431
put2,700375.6392.7811.60.6850.000.00-0.944-1.1000.403
put2,800475.6491.65140.8150.000.00-0.952-1.1670.361
put2,900575.6592.7513.80.9270.000.00-0.957-1.2210.330
put3,000675.6693.70.001.0260.000.00-0.961-1.2650.305

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-27SCHEDULE 13GSEC
2026-10-238-KCurrent report2026-10-23SEC
2026-09-174Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-15144Filing for proposed sale of securities under Rule 144.SEC
2026-09-148-KCurrent report2026-09-11SEC
2026-09-10424B5SEC
2026-09-09FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-09-09424B5SEC
2026-09-088-KCurrent report2026-09-08SEC
2026-08-204Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-11SCHEDULE 13D/ASEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-28SCHEDULE 13G/ASEC
2026-07-238-KCurrent report2026-07-23SEC
2026-07-153Initial statement of beneficial ownership of securities2026-07-06SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-05SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-05SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-04SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-04SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-04SEC
2026-06-02144Filing for proposed sale of securities under Rule 144.SEC
2026-06-023Initial statement of beneficial ownership of securities2026-06-01SEC
2026-05-124Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-078-KCurrent report2026-05-04SEC
2026-04-30SCHEDULE 13G/ASEC
2026-04-29SCHEDULE 13GSEC
2026-04-238-KCurrent report2026-04-23SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0900136.70K1
2026-08108.41K100
2026-070000
2026-062.32M55.16M1
2026-0510.26M110.26M1
2026-040000
2026-03404.24K600
2026-020000
2026-010000
2025-120000
2025-11520.01K200

Institutional holders

Manager% owned
HARRIS ASSOCIATES L P7.93%
BlackRock, Inc.7.41%
DODGE & COX3.49%
VANGUARD CAPITAL MANAGEMENT LLC3.09%
VANGUARD PORTFOLIO MANAGEMENT LLC2.70%
STATE STREET CORP1.80%
JPMORGAN CHASE & CO1.59%
GEODE CAPITAL MANAGEMENT, LLC1.44%
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC1.34%
COATUE MANAGEMENT LLC1.20%

Funds

Fund% owned
Bond Fund341.23%
VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND238.07%
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND185.55%
Nuveen Preferred Securities and Income Fund176.95%
Nuveen Preferred & Income Opportunities Fund108.06%
John Hancock Tax-Advantaged Dividend Income Fund62.92%
VANGUARD TOTAL BOND MARKET INDEX FUND57.46%
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND56.78%
Investment Grade Bond Fund54.85%
Nuveen Strategic Income Fund40.73%

OakChart. FCNCA. Cached 15 minutes.