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FCNCA Dividend DRIP Calculator 2026
0.38% YieldFinancial ServicesFirst Citizens BancShares, Inc. · NASDAQ
Price: $2,208.49 · Annual div: $8.40/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When FCNCA pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in FCNCA → $10.64M in 10 years · $3,358.47/month
About First Citizens BancShares, Inc. (FCNCA) — Dividend Analysis 2026
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 FCNCA Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FCNCA.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.38% | -2.42% | $38 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.32% | -2.48% | $32 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.30% | -2.50% | $30 / yr |
| 🇬🇧 UK ISA | 0% | 0.38% | -2.42% | $38 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.35% | -2.45% | $35 / yr |
| 🇨🇦 TFSA | 0% | 0.38% | -2.42% | $38 / yr |
| 🇨🇦 CA Taxable | 25% | 0.29% | -2.51% | $29 / yr |
| 🇦🇺 Super (pension) | 15% | 0.32% | -2.48% | $32 / yr |
| 🇦🇺 AU Taxable | 30% | 0.27% | -2.53% | $27 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.28% | -2.52% | $28 / yr |
| 🇫🇷 FR Taxable | 30% | 0.27% | -2.53% | $27 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FCNCA Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $8.40/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FCNCA Dividend Payment Schedule
FCNCA pays quarterly — 4 times per year. Next ex-div: TBD.
📊 FCNCA vs Financial Services Benchmarks
How FCNCA compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FCNCA sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FCNCA Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-08-19 | 4 | $2167.80 | $8.7K | ||
| Buy | 2026-08-19 | 46 | $2168.13 | $99.7K | ||
| Buy | 2026-06-05 | 15 | $1780.00 | $26.7K | ||
| Buy | 2026-06-05 | 5 | $2070.00 | $10.3K | ||
| Buy | 2026-06-05 | 1 | $2068.50 | $2.1K | ||
| Buy | 2026-06-05 | 34 | $2065.00 | $70.2K | ||
| Buy | 2026-06-05 | 2 | $2060.00 | $4.1K | ||
| Buy | 2026-06-05 | 47 | $2050.00 | $96.3K | ||
| Buy | 2026-06-05 | 23 | $2030.00 | $46.7K | ||
| Buy | 2026-06-05 | 8 | $2010.00 | $16.1K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-08-19
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FCNCA dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
First Citizens BancShares, Inc. (FCNCA) is currently trading at $2,208.49, trading near its 52-week high. The current dividend yield is 0.38% based on an annual payout of $8.40 per share.
FCNCA (First Citizens BancShares, Inc.) — 0.38% Dividend Yield Analysis
First Citizens BancShares, Inc. (FCNCA) is a financial services stock currently trading at $2208.49 with a dividend yield of 0.38%. The company pays an annual dividend of $8.40 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, FCNCA has grown its dividend at a compound annual rate of 100.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.