Verdicts genuinely change. Free email alert the moment FCNCO's does — no target price to set, unlike "Alert" above.
Whether this company clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
The factors behind the read, each shown with the figure it rests on, including the ones pointing the other way.
FIRST CITIZENS BANCSHARES INC /DE/ (FCNCO) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-29). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies FIRST CITIZENS BANCSHARES INC /DE/ under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
46 other Financials stocks pass this same screen. See compliant Financials stocks →
Computed from published company financials, balance sheet as of 2026-06-30. FCNCO files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 13.59% | 33.00% | Pass |
| Interest-bearing investments | 0.64% | 33.00% | Pass |
| Non-liquid assets | 99.36% | at least 20.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 13.59% | 33.33% | Pass |
| Cash + interest-bearing securities | 0.64% | 33.33% | Pass |
| Accounts receivable | 0.64% | 33.33% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 13.59% | 33.33% | Pass |
| Cash + interest-bearing securities | 0.64% | 33.33% | Pass |
| Accounts receivable | 0.64% | 50.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
Read from FCNCO's own filings. Every percentage on this page is one of these lines divided by another, so the inputs are shown rather than asserted.
| Line | Figure | As reported | Read from |
|---|---|---|---|
| RevenueTotal revenue for the period | $9.5B | 2025-12-31 | Revenues |
| Interest-bearing debtBorrowings — which definition was stored is not recorded | $32.2B | 2026-06-30 | DebtLongtermAndShorttermCombinedAmount |
| Cash and interest-bearing securitiesCash, equivalents and marketable securities | $1.5B | 2026-06-30 | CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents |
| Total assetsBalance sheet total | $236.8B | 2026-06-30 | Assets |
| Market capDenominator for AAOIFI | $252.1M | live quote | price x shares |
| 36-month average market capDenominator for S&P Shariah and MSCI M-Series | $236.2M | 756 trading days | closes x shares |
| 24-month average market capDenominator for Dow Jones Islamic Market | $245.0M | 504 trading days | closes x shares |
| Non-permissible revenueInterest and excluded income | $11.8B | 2025-12-31 | InterestAndDividendIncomeOperating |
Two dates, not one: a balance-sheet line and an income-statement line cover different windows by design, so each figure carries its own.
Verdict history for FCNCO. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
ℹ️ no compliance scan has run for 3 days - this is not a reading of today
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 24.60 | BUY |
| Stochastic %K (14) | 12.97 | BUY |
| CCI (20) | -132.63 | BUY |
| Williams %R (14) | -87.03 | BUY |
| MACD (12,26,9) | -0.08 | SELL |
| ROC (10) | -5.58 | SELL |
| Momentum (10) | -1.09 | SELL |
| EMA (10) | 18.83 | SELL |
| SMA (10) | 18.83 | SELL |
| EMA (20) | 19.18 | SELL |
| SMA (20) | 19.30 | SELL |
| EMA (30) | 19.41 | SELL |
| SMA (30) | 19.61 | SELL |
| EMA (50) | 19.68 | SELL |
| SMA (50) | 19.88 | SELL |
| EMA (100) | 20.02 | SELL |
| SMA (100) | 20.09 | SELL |
| EMA (200) | 20.42 | SELL |
| SMA (200) | 20.56 | SELL |
Financial Services · Banks - Regional
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 in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
Background via Yahoo Finance — informational, not part of the verdict.
Weak — low conviction, small size or skip
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
| Timeframe | Bias | Bars |
|---|---|---|
| 📅 Daily | BEARISH | 41 |
| 🕐 1H | BEARISH | 33 |
| ⏱ 15-Min | RANGING | 130 |
| ⏲ 5-Min | BULLISH | 234 |
Rate of change and relative volume against this symbol's own recent history. Momentum describes what price has done; it is not a claim about what it will do.
How the rest of the sector moved over the same window. Context for a price move, never a cause of one.
Peer movement computing — it will appear here on its own.
The questions worth asking about any verdict on this page, answered plainly.
No. HTR applies published screening standards to a company's own filings and shows the result under each one. It is research, not a religious ruling. For a ruling that applies to you, ask a qualified scholar.
Because they measure different things. Some divide interest-bearing debt by market cap, others by total assets, and the thresholds differ too. The same filing can clear one line and cross another. HTR shows every verdict rather than averaging them into one label.
Ratios are recomputed when a new filing lands, and the whole watchlist is re-screened on a rolling basis. The date on the verdict above is the last time this symbol was actually recomputed, not the last time the page was built.
If a company earns some non-permissible income, many scholars hold that the same share of any dividend should be given away. The non-permissible income figure above is the number that calculation starts from — the purification calculator finishes it, showing the filing figures behind the ratio and both the proportional and the AAOIFI per-share convention.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
Insider transactions reported in the last ninety days. Insiders sell for reasons that have nothing to do with a view, so a sale on its own is not a signal.
NO DATA 0 buys · 0 sells
The weekly CFTC Commitments of Traders report for the broad market it tracks, not for this symbol. Positioning context for the tape — it says nothing about this company.
NEUTRAL report date 2026-10-06 · Asset managers net 906615 (+2612)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.