---
title: First Citizens (FCNCA) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/fcnca
ticker: FCNCA
tier: Regional
as_of: 2026-10-16
---
# First Citizens (FCNCA) — bank health

First Citizens, Regional, trades at 1.25× tangible book against a 12.0% return on tangible common equity, a 3% discount to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | FCNCA | Regional average (10) |
| --- | ---: | ---: |
| Price | $2,123.74 |  |
| P/TBV | 1.25× |  |
| Tangible book per share | $1,700.62 |  |
| P/E | 11.4 |  |
| EPS (TTM) | $187.04 |  |
| Dividend per share (TTM) | $8.40 |  |
| Dividend yield | 0.4% |  |
| Payout | 4.5% |  |
| ROTCE | 12.0% | 14.0% |
| ROA | 0.99% |  |
| Efficiency ratio | 63.4% | 61.8% |
| Net interest income share | 70.2% | 76.7% |
| Credit cost | 3.62% | 4.51% |
| AOCI / TCE | -1.2% | -12.2% |
| CET1 | 10.8% |  |
| CET1 requirement | 7.0% |  |
| Total assets | $236.8B |  |
| Leverage (assets / TCE) | 12.1× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 1.50× / 1.29× / 1.12× |  |

## Lights

No light is on.

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Source: https://sweetvaluelab.com/tools/banks/fcnca (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.