First Citizens BancShares: Speculative Optimism
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First Citizens BancShares (FCNCA) is the holding company for First Citizens Bank which has more than 500 branch locations primarily concentrated in North Carolina and South Carolina but which also has a significant presence in Virginia, Georgia, and Florida in addition to a smattering of other branches spanning the United States.
First Citizens is well run bank with decent to slightly above average returns on average assets and equity (at approximately…
