First Citizens BancShares, Inc. Class A Common Stock (FCNCA) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
First Citizens BancShares, Inc. Class A Common Stock (FCNCA) scores 4.6 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on profitability, and solvency is what holds it back.
One pillar, growth, is unscored because the filings behind it carry too little to judge. It is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
First Citizens BancShares, Inc. Class A Common Stock’s returns on capital beat their cost in most measured years: 2 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
As of October 16, 2026, First Citizens BancShares, Inc. Class A Common Stock scores 4.6 out of 10 on the Lemma Quality Score, a reading of mixed quality. In this band one or two pillars are usually holding the score up while others drag it down, which the breakdown below makes visible. Nothing in it comes from the share price or from forecasts: it is First Citizens BancShares, Inc. Class A Common Stock’s own reported numbers, scored pillar by pillar.
Ranked with the 261 Financials companies Lemma publishes, the score sits at the 22nd percentile, near the foot of the group. A typical company in the group scores 5.9, and the best quarter starts from 6.8. First Citizens BancShares, Inc. Class A Common Stock is below that typical reading.
Profitability scores 7.8 out of 10, which reads as strong. The median across 255 Financials companies is 6.8, so First Citizens BancShares, Inc. Class A Common Stock is above its peers on this pillar and ranks at the 75th percentile. Returns and margins at this level leave room to reinvest, absorb a bad year or return cash to shareholders without straining the business.
On solvency, First Citizens BancShares, Inc. Class A Common Stock scores 2.6, a weak reading. Its peers have a median of 8.5 across 140 Financials companies, which places it well below them, at the 2nd percentile. A low reading here is a question about resilience: how long the company could keep paying its obligations if earnings dropped.
Growth has no score for First Citizens BancShares, Inc. Class A Common Stock. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median growth score across 241 Financials companies is 4.6. Growth needs at least three years of comparable annual statements, so a short or interrupted history leaves it blank.
Efficiency scores 4.5 out of 10, which reads as average. The median across 211 Financials companies is 5.8, so First Citizens BancShares, Inc. Class A Common Stock is below its peers on this pillar and ranks at the 18th percentile. An average efficiency reading suggests the business turns its assets and earnings into cash at roughly the rate its sector does.
Predictability scores 2.6 out of 10, which reads as weak. The median across 256 Financials companies is 4.9, so First Citizens BancShares, Inc. Class A Common Stock is well below its peers on this pillar and ranks at the 16th percentile. A low predictability score often belongs to cyclical businesses, where good and bad years alternate with the economy or with commodity prices.
The gap between First Citizens BancShares, Inc. Class A Common Stock’s best and worst pillar is wide: profitability at 7.8 against solvency at 2.6, 5.2 points apart. An average of two readings this different deserves a closer look than the headline number. A profitability lead usually reflects something durable in the business model rather than a good year. When solvency is the soft spot, the question is how much of the cash flow is already spoken for by debt.
The pillar with the most room to move the score is solvency. If it rose to the median of Financials companies, 8.5, First Citizens BancShares, Inc. Class A Common Stock’s overall score would go from 4.6 to about 6.1. With one pillar unscored, the overall rests on 80 of the 100 weight points, spread across the four pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to First Citizens BancShares, Inc. Class A Common Stock by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading First Citizens BancShares, Inc. Class A Common Stock scores 4.6 out of 10, which reads as mixed quality. Its strongest pillar is profitability, its weakest is solvency. Quality is not the same as a good investment: the score says nothing about the price you would pay.
First Citizens BancShares, Inc. Class A Common Stock ranks at the 22nd percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against First Citizens BancShares, Inc. Class A Common Stock’s 4.6.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for FCNCA are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
Free to start · No credit card