Revenue distribution by industry (estimated for 2025):

1. Lending: approx. 55%
2. Deposit management: approx. 25%
3. Asset management and other services: approx. 20%

TOP 3 markets and their percentage shares (estimated for 2025):

1. USA: approx. 85%
2. Canada: approx. 10%
3. Europe: approx. 5%

First Citizens BancShares, Inc. generates the majority of its revenue from lending, which is typical for a bank of its size and focus. Deposit management and asset management complement the business model and provide additional sources of income.

The primary market for First Citizens BancShares remains the USA, attributed to its strong local presence and dense branch network. Canada and Europe represent smaller but growing markets, being tapped through strategic expansions and partnerships.

Production: No physical product production

First Citizens BancShares, Inc. is a financial services company and does not produce physical products. The company offers banking services, including deposits, loans, and asset management. The services are mainly provided in the United States, with headquarters located in Raleigh, North Carolina.

Being a bank, the focus is on financial services rather than the production of physical goods.

Mergers and Acquisitions: Continuation of the Acquisition Strategy
Digitalization: Investments in Digital Platforms
Customer Expansion: Focus on SMEs and Retail Customers

First Citizens BancShares, Inc. pursues a growth strategy that heavily relies on mergers and acquisitions. In recent years, the company has carried out several strategic acquisitions to expand its market presence and leverage synergies.

Another focus is on digitalization. The company is investing in modern technologies and digital platforms to enhance customer experience and operate more efficiently.

Furthermore, First Citizens is focusing on expanding its customer base, particularly in the small and medium-sized enterprises (SMEs) and retail customers segment. This is intended to be achieved through tailored financial products and improved customer service.

Commodities/Materials: No specific commodities

Import countries: Not applicable

First Citizens BancShares, Inc. is a financial services company and not a production or trading company that imports commodities or materials. As a bank, the company focuses on financial services such as loans, deposits, and asset management.

Therefore, it is unlikely that First Citizens BancShares is directly involved in the import of commodities or materials. Banks typically do not import physical goods but provide financial services.

Return on Equity (ROE): 11.5% (estimated for 2024)
Cost Efficiency Ratio: 58% (estimated for 2024)
Market Share in the US Banking Sector: 0.5% (estimated for 2024)

In recent years, First Citizens BancShares, Inc. has gained a certain competitive advantage in the US banking sector through strategic acquisitions, including the takeover of Silicon Valley Bank. The return on equity of 11.5% indicates a solid profitability that exceeds the industry average. This shows that the company efficiently utilizes its resources to generate profits.

The cost efficiency ratio of 58% is also an indicator of good cost control compared to many competitors, who often have higher ratios. This allows First Citizens to offer competitive prices while remaining profitable.

However, the market share of 0.5% remains relatively small, suggesting that the company has limited market power compared to larger banks such as JPMorgan Chase or Bank of America. Nevertheless, focusing on niche markets and specialized services combined with a strong regional presence could provide a sustainable competitive advantage.

Institutional Investor Share: 45% (estimated for 2025 based on historical trends)

Insider Buys/Sells: No significant changes in 2025

The institutional investor share in First Citizens BancShares, Inc. is estimated to be around 45%. This is based on historical data indicating that institutional investors typically hold a significant portion of the company to benefit from stable dividends and long-term growth.

In 2025, there were no significant insider buys or sells, indicating a stable confidence from management in the company's future development. Such activities are often seen as an indicator of management's assessment of future performance.

Market share of First Citizens BancShares, Inc.: Estimated 1-2% (2025)

Main competitors and their market shares:

1. JPMorgan Chase & Co. - approx. 10-12%
2. Bank of America - approx. 9-11%
3. Wells Fargo & Co. - approx. 8-10%
4. Citigroup Inc. - approx. 6-8%
5. U.S. Bancorp - approx. 4-6%
6. Truist Financial Corporation - approx. 3-5%
7. PNC Financial Services - approx. 3-5%
8. Goldman Sachs Group, Inc. - approx. 2-4%
9. Morgan Stanley - approx. 2-4%
10. First Citizens BancShares, Inc. - approx. 1-2%

Economic moat of First Citizens BancShares, Inc.:

First Citizens BancShares has a moderate economic moat, mainly based on its strong regional presence and the ability to successfully integrate acquisitions. The company has gained an advantage through strategic acquisitions, such as that of CIT Group, which strengthens its market position.

However, compared to larger competitors like JPMorgan Chase or Bank of America, which have more extensive networks, larger capital reserves, and diversified services, the economic moat of First Citizens is less pronounced. These larger banks have significant advantages due to their global reach, technological investments, and comprehensive product offerings.

In summary, First Citizens BancShares is well positioned in its niche, but compared to industry giants, it has a less significant economic moat. The larger competitors tend to have stronger competitive advantages due to their economies of scale and innovation capabilities.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 12.0% (2024)

First Citizens BancShares, Inc. recorded solid revenue growth of 8.5% in 2024, attributed to successful integration of acquisitions and expansion of its customer base. The profit growth of 10.2% indicates that the company operates efficiently and manages its costs well.

The return on equity of 12.0% suggests that the company is able to effectively utilize shareholders' investments to generate profits. This metric is at the higher end of the industry and reflects strong financial performance.

In summary, First Citizens BancShares, Inc. demonstrates positive financial development with stable growth rates and a solid return on invested capital. These factors could indicate that the stock presents an attractive investment opportunity, especially for investors focusing on long-term growth.

Dividend Yield: 2.5% (estimated for 2025)
Dividend History: Steady payout in recent years

First Citizens BancShares, Inc. has regularly distributed dividends to its shareholders in the past. The dividend yield is currently around 2.5%, indicating a moderate but stable payout policy.

The company has a solid financial foundation and a long tradition of dividend payments, indicating reliability. The payouts are usually well covered by profits, minimizing the risk of dividend cuts. Analysts expect the company to continue its dividend policy in the coming years, unless unexpected economic challenges arise.