📊 AI Stock Rating — Summary

First Citizens BancShares reported Q3 2025 revenue of $3.68 billion with a net income of $568 million, translating to an EPS of $43.12. The net margin stands at 15.4%. Over the last year, annual revenues have remained stable around $3.68 billion. Free Cash Flow (FCF) figures are not consistently available, albeit it is critical for assessing financial health. The 12-month performance reflects a core stability in revenue while EPS showed a decline from $49.21 in Q4 2024 to $43.12 in Q3 2025. The operating margins were strong but showed some pressure sequentially. The balance sheet remains robust with total assets of $233.49 billion against liabilities of $211.50 billion, leading to a debt-to-equity ratio of approximately 1.76. The company has been active in stock repurchases and consistently maintains dividend payments, signaling confidence in cash flows. Analyst sentiment is positive with a consensus price target of $2127.5, suggesting potential for appreciation. Shareholder returns are slightly hindered by lower price improvements, but strategic buybacks and stable dividends bolster the position.

AI Score Breakdown

Revenue Growth — Score: 6/10

Revenues remained relatively flat, suggesting stability but limited top-line growth. Primary drivers were consistent across quarters without notable expansion.

Profitability — Score: 7/10

Net margins are strong yet decreased from previous quarters. The EPS performance has decreased slightly due to both operational and market factors.

Cash Flow Quality — Score: 5/10

While cash flow data is inconsistent, dividends and buyback activities assure a level of operating stability.

Leverage & Balance Sheet — Score: 7/10

The balancing of debt and equity is well managed. Net debt increased significantly this quarter, an area needing attention, though the balance sheet remains stable.

Shareholder Returns — Score: 5/10

Based on the limited price appreciation (~2% over the past year) and dividend payout, shareholder returns are modest. Buybacks were substantial but did not translate into significant price momentum.

Analyst Sentiment & Valuation — Score: 7/10

With a median price target of $2050, the stock appears reasonably valued, indicating a possibility of medium-term gain.

⚠ AI-generated — informational only, not financial advice.