First Citizens BancShares (FCNCP) stock: Winston Score and insider trades

First Citizens BancShares is the parent company of First Citizens Bank, one of the largest family-controlled banks in the United States. It offers standard banking services like checking and savings accounts, loans, mortgages, and wealth management to individuals and businesses. The company grew significantly in 2023 when it acquired most of the assets of Silicon Valley Bank, adding a large technology and innovation banking division. First Citizens makes money primarily from interest on loans and fees for banking services. It operates branches mainly across the eastern and southern United States, with its Silicon Valley Bank division serving tech and life sciences clients nationwide. With a market cap around $24.5 billion, it ranks among the top 20 U.S. banks by assets. The SVB acquisition gave it a strong foothold in venture and startup lending, but concentration in the technology sector also adds risk if that industry faces a prolonged downturn.

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