Insider Trading June 8, 2026 04:09 PM

First Citizens Bancshares Director Alemany Executes $5.1 Million Share Sale

Transaction via GRATs reduces indirect holdings as the bank reports board re-elections and dividend declarations amid net interest margin pressures.

By Leila Farooq
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FCNCA

Director Ellen R. Alemany of First Citizens Bancshares Inc. (NASDAQ: FCNCA) executed a significant transaction on June 4, 2026, selling 2,520 shares of Class A Common stock. The sale, facilitated through specific trusts, resulted in a total value of $5,158,743. This activity occurs as the bank navigates recent operational updates, including board elections and financial performance metrics that highlight both earnings strength and margin challenges.

First Citizens Bancshares Director Alemany Executes $5.1 Million Share Sale
FCNCA
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Key Points

  • Director Ellen R. Alemany sold 2,520 shares of Class A Common stock via GRATs for $5,158,743, reducing her indirect holdings while maintaining significant direct and trust-based equity positions.
  • First Citizens BancShares reported a board re-election with all 12 nominees serving one-year terms, alongside the declaration of quarterly dividends and a regional leadership appointment in the South.
  • TD Cowen maintained a Buy rating but lowered the price target to $2,300, citing earnings beats from lower expenses offset by net interest income shortfalls due to margin pressures.

Ellen R. Alemany, serving as a director at First Citizens Bancshares Inc. (NASDAQ: FCNCA), completed a substantial divestiture of company equity on June 4, 2026. The transaction involved the sale of 2,520 shares of the firm's Class A Common stock. At the time of execution, the shares changed hands at weighted average prices falling between $2,033.33 and $2,052.43 per share. The aggregate value of this transaction reached $5,158,743.

These sales were not conducted through direct market orders but were instead processed indirectly through specific trust vehicles: the Alemany August 2024 Grantor Retained Annuity Trust (GRAT) and the Alemany September 2025 GRAT. Following the completion of these transactions, Ms. Alemany's indirect ownership of Class A Common stock was adjusted. Her remaining indirect holdings consist of 82 shares held within the Alemany August 2024 GRAT and 3,476 shares within the Alemany September 2025 GRAT. Additionally, she retains 4,559 shares in a Family GST Exempt Trust and 4,660 shares in a Family Non-GST Exempt Trust.

Beyond these trust holdings, Ms. Alemany maintains direct ownership of 1,985 shares of Class A Common stock. Her broader equity portfolio within the institution also includes 30,000 shares of Class C Preferred Stock and 300 Depositary Shares. Each of these Depositary Shares represents a one-hundredth interest in a share of the Issuer's 7% Non-Cumulative Perpetual Preferred Stock, Series D.

At the time of the reported activity, First Citizens BancShares stock was trading at $2,074.25. The company's valuation metrics included a price-to-earnings (P/E) ratio of 12.05. Market analysis from InvestingPro indicated that the shares were currently trading at a slight discount, suggesting the stock remained undervalued relative to current levels. The institution also highlighted its longstanding commitment to shareholder returns, noting a consistent dividend history spanning 41 consecutive years.

Recent corporate developments at First Citizens BancShares include the results of its 2026 Annual Stockholders' Meeting. During this meeting, all 12 nominees for the board of directors were successfully elected to serve one-year terms. In a separate operational update, the bank facilitated the expansion of a warehouse credit facility for Parafin. This facility, involving First Citizens Bank, EverBank, and Trinity Capital, was increased to enhance the borrower's capacity and reduce its cost of capital.

Financial analysis from TD Cowen also provided an updated outlook for the bank. The firm adjusted its price target for First Citizens BancShares downward to $2,300 from a previous level of $2,500, while maintaining a Buy rating on the stock. TD Cowen noted that the bank achieved an earnings-per-share beat, driven by lower provisions and expenses. However, the firm pointed out that net interest income fell short of market expectations, citing ongoing pressures on the net interest margin.

Further reinforcing its shareholder return policy, First Citizens BancShares declared quarterly dividends on both its common and preferred stock. These dividends are scheduled to be paid on June 15, 2026. On the leadership front, First Citizens Bank appointed Holt Chetwood as Regional Executive Vice President for its South Region. In this capacity, Mr. Chetwood will oversee 55 branches located across South Carolina and select areas of Georgia.

Risks

  • Net interest margin pressures continue to impact revenue generation, as highlighted by TD Cowen's observation that net interest income fell short of expectations despite cost management successes.
  • The downward adjustment of the price target from $2,500 to $2,300 by TD Cowen suggests potential headwinds in valuation expectations, even as the bank maintains strong dividend and earnings performance.
  • Regulatory or operational complexities in expanding credit facilities, such as the recent Parafin warehouse credit expansion, may introduce execution risks or require careful capital allocation across multiple banking partners.

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