{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "b6980319-9fe4-461b-be39-33a6730278e2",
    "symbol": "FCNCA",
    "name": "First Citizens BancShares, Inc.",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/b6980319-9fe4-461b-be39-33a6730278e2/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "b6980319-9fe4-461b-be39-33a6730278e2",
      "symbol": "FCNCA",
      "name": "First Citizens BancShares, Inc.",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "FCNCA",
    "market_cap_usd": 24044129747.4,
    "price": 2108.610107,
    "currency": "USD",
    "dividend_yield": 0.004,
    "dividend_years": 40,
    "dividend_growth_5y": 0.36624986,
    "dividend_cut_5y": false,
    "payout_ratio": 0.0467,
    "net_income": 2206000000.0,
    "free_cash_flow": 1361000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.62393201,
    "revenue_growth_5y": 0.49891335,
    "net_margin": 0.24691,
    "roe": 0.1018,
    "pe_ratio": 12.155474,
    "price_vs_ma": 0.0565259,
    "return_3y": 0.76524334,
    "return_5y": 1.47596316,
    "max_drawdown": -0.4360013,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 18.5,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 96.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/",
      "chart": "https://sharemaestro.com/terminal/b6980319-9fe4-461b-be39-33a6730278e2/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 18.5,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 96.0,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA qualified as a dividend compounder candidate",
      "detail": "Score 96.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2026-05-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 2.1 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 2.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2026-02-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 2.1 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 2.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2025-11-28",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 7.7%",
      "detail": "Payment changed from 1.95 to 2.1.",
      "amount": 2.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2025-11-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 2.1 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 2.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2025-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.95 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2025-05-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.95 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2025-02-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.95 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2024-11-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 18.9%",
      "detail": "Payment changed from 1.64 to 1.95.",
      "amount": 1.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2024-11-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.95 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.95,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2024-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.64 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.64,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2024-05-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.64 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.64,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2024-02-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.64 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.64,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2023-11-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 118.7%",
      "detail": "Payment changed from 0.75 to 1.64.",
      "amount": 1.64,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2023-11-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 1.64 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 1.64,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2023-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "FCNCA dividend payment 0.75 USD",
      "detail": "Recorded dividend payment for First Citizens BancShares, Inc..",
      "amount": 0.75,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2022-11-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 59.6%",
      "detail": "Payment changed from 0.47 to 0.75.",
      "amount": 0.75,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2020-12-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 17.5%",
      "detail": "Payment changed from 0.4 to 0.47.",
      "amount": 0.47,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    },
    {
      "event_date": "2018-12-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FCNCA",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 14.3%",
      "detail": "Payment changed from 0.35 to 0.4.",
      "amount": 0.4,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b6980319-9fe4-461b-be39-33a6730278e2/"
    }
  ]
}