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First Citizens BancShares, Inc. · NASDAQ
Price: $21.40 · Annual div: $1.41/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in FCNCO → $19.35M in 10 years · $99,431.42/month
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
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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Real after-tax yield depends on where you live and how you hold FCNCO.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 6.57% | 3.77% | $657 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 5.58% | 2.78% | $558 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 5.26% | 2.46% | $526 / yr |
| 🇬🇧 UK ISA | 0% | 6.57% | 3.77% | $657 / yr |
| 🇬🇧 UK Taxable | 8.75% | 6.00% | 3.20% | $600 / yr |
| 🇨🇦 TFSA | 0% | 6.57% | 3.77% | $657 / yr |
| 🇨🇦 CA Taxable | 25% | 4.93% | 2.13% | $493 / yr |
| 🇦🇺 Super (pension) | 15% | 5.58% | 2.78% | $558 / yr |
| 🇦🇺 AU Taxable | 30% | 4.60% | 1.80% | $460 / yr |
| 🇩🇪 DE Taxable | 26.375% | 4.84% | 2.04% | $484 / yr |
| 🇫🇷 FR Taxable | 30% | 4.60% | 1.80% | $460 / 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.41/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
FCNCO pays quarterly — 4 times per year. Next ex-div: TBD.
How FCNCO compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FCNCO sourced from FMP /financial-growth endpoint — real data, not estimates.
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 | 2026-06-05 | 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 | ||
| Buy | 2026-06-05 | 2 | $1998.68 | $4.0K | ||
| Buy | 2026-06-05 | 26 | $1997.97 | $51.9K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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: 2026-06-05
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 FCNCO 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 →
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