First Citizens BancShares, Inc.(FCNCA)Earnings, Financials & Key Ratios

FCNCA•NASDAQ•Banking & Credit

12.5× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial and middle-market focused banks

AboutFirst 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. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.Show more

Net Interest Income$6.81B-4.6%
Total Revenue$14.5B-3.0%
Net Income$2.21B-20.6%
Return on Equity9.92%-22.3%
Net Interest Margin2.97%-7.1%
Efficiency Ratio40.95%+7.2%
ROA0.97%-23.3%
Equity / Assets9.68%-2.6%
Book Value per Share1798.75+16.1%

FCNCA Key Insights

First Citizens BancShares, Inc. (FCNCA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Excellent 3Y average ROE of 32.3%
✓Strong 5Y profit CAGR of 35.0%
✓Efficient operations: 40.9% efficiency ratio
✓Share count reduced 13.8% through buybacks
✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FCNCA Price & Volume

First Citizens BancShares, Inc. (FCNCA) stock price & volume — 10-year historical chart

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FCNCA Growth Metrics

First Citizens BancShares, Inc. (FCNCA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years27.22%

5 Years49.89%

3 Years41.69%

TTM-

Profit CAGR

10 Years26.49%

5 Years35%

3 Years26.18%

TTM-20.56%

EPS CAGR

10 Years25.2%

5 Years28.4%

3 Years34.98%

TTM-12.49%

Return on Capital

10 Years11.82%

5 Years12.28%

3 Years12.8%

Last Year4.41%

FCNCA Recent Earnings

First Citizens BancShares, Inc. (FCNCA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (75%)●Beat Revenue 12/12 qtrs (100%)

Q2 2026Latest

Apr 23, 2026

Metric

Actual

Est

EPS

$44.86+15.0%

$39.02

Rev

$2.2B+3.2%

$2.2B

Q1 2026

Jan 23, 2026

Metric

Actual

Est

EPS

$0.51+16.5%

$0.44

Rev

$2.4B+7.9%

$2.2B

Q4 2025

Oct 23, 2025

Metric

Actual

Est

EPS

$44.62+6.6%

$41.87

Rev

$2.4B+9.6%

$2.2B

Q3 2025

Jul 25, 2025

Metric

Actual

Est

EPS

$44.78+12.8%

$39.71

Rev

$2.4B+8.7%

$2.2B

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 23, 2026	$44.86vs $39.02+15.0%	$2.2Bvs $2.2B+3.2%
Q1 2026	Jan 23, 2026	$0.51vs $0.44+16.5%	$2.4Bvs $2.2B+7.9%
Q4 2025	Oct 23, 2025	$44.62vs $41.87+6.6%	$2.4Bvs $2.2B+9.6%
Q3 2025	Jul 25, 2025	$44.78vs $39.71+12.8%	$2.4Bvs $2.2B+8.7%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
HBANHuntington Bancshares IncorporatedDirect Competitor	26.69B	16.86	12.13	4.38%	17.71%	10.04%	0.76
CFGCitizens Financial Group, Inc.Direct Competitor	29.21B	67.08	17.38	-9.71%	16.42%	7.16%	0.43
RFRegions Financial CorporationDirect Competitor	25.19B	28.62	12.50	2.51%	22.44%	11.43%	0.26
FITBFifth Third BancorpDirect Competitor	35.29B	52.74	14.90	-1.4%	19.61%	11.96%	0.67
KEYKeyCorpDirect Competitor	24.74B	22.59	14.86	23.56%	16.35%	9.26%	0.54
CMAComerica IncorporatedDirect Competitor	11.35B	88.67	16.76	-3.91%	15.07%	9.96%	0.70
ZIONZions Bancorporation, National AssociationDirect Competitor	9.73B	66.17	11.01	-0.98%	18.18%	13.33%	0.61
WALWestern Alliance BancorporationProduct Competitor	8.77B	79.81	9.14	5.17%	18.3%	12.81%	0.82

Compare FCNCA vs Peers

First Citizens BancShares, Inc. (FCNCA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HBAN

Most directly comparable listed peer for FCNCA.

Scale Benchmark

vs JPM

Larger-name benchmark to compare FCNCA against a more recognizable public peer.

Peer Set

Compare Top 5

vs HBAN, CFG, RF, FITB

FCNCA Income Statement

First Citizens BancShares, Inc. (FCNCA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	1.06B	1.21B	1.31B	1.39B	1.39B	2.95B	6.71B	7.14B	6.81B
NII Growth %	12.2%	14.06%	8.48%	5.84%	0.14%	111.94%	127.83%	6.42%	-4.61%
Net Interest Margin %	3.07%	3.41%	3.29%	2.78%	2.38%	2.7%	3.14%	3.19%	2.97%
Interest Income	1.1B	1.25B	1.4B	1.48B	1.45B	3.41B	10.39B	12.35B	11.78B
Interest Expense	43.79M	36.86M	92.64M	96M	61M	467M	3.68B	5.21B	4.96B
Loan Loss Provision	25.69M	28.47M	31.44M	58M	-37M	645M	1.38B	431M	626M
Non-Interest Income	349.06M	343.58M	386.31M	432M	448M	1.68B	2.25B	2.59B	2.72B
Non-Interest Income %	24.03%	21.62%	21.58%	22.55%	23.59%	33.03%	17.78%	17.32%	18.76%
Total Revenue	1.45B▲ 0%	1.59B▲ 9.4%	1.79B▲ 12.6%	1.92B▲ 7.0%	1.9B▼ 0.9%	5.1B▲ 168.4%	12.64B▲ 148.0%	14.94B▲ 18.2%	14.5B▼ 3.0%
Revenue Growth %	8.41%	9.4%	12.65%	7.02%	-0.89%	168.35%	148%	18.21%	-2.97%
Non-Interest Expense	839.57M	1.02B	1.07B	1.14B	1.17B	2.62B	-4.49B	5.71B	5.94B
Efficiency Ratio	57.79%	64.2%	60%	59.71%	61.82%	51.45%	-35.55%	38.2%	40.95%
Operating Income	543.7M▲ 0%	503.61M▼ 7.4%	592.05M▲ 17.6%	618M▲ 4.4%	701M▲ 13.4%	1.36B▲ 94.3%	12.08B▲ 786.7%	3.59B▼ 70.3%	2.97B▼ 17.3%
Operating Margin %	37.43%	31.69%	33.07%	32.25%	36.91%	26.73%	95.56%	24.04%	20.49%
Operating Income Growth %	54.87%	-7.37%	17.56%	4.38%	13.43%	94.29%	786.71%	-70.26%	-17.29%
Pretax Income	543.7M▲ 0%	503.61M▼ 7.4%	592.05M▲ 17.6%	618M▲ 4.4%	701M▲ 13.4%	1.36B▲ 94.3%	12.08B▲ 786.7%	3.59B▼ 70.3%	2.97B▼ 17.3%
Pretax Margin %	37.43%	31.69%	33.07%	32.25%	36.91%	26.73%	95.56%	24.04%	20.49%
Income Tax	219.95M	103.3M	134.68M	126M	154M	264M	611M	815M	765M
Effective Tax Rate %	40.45%	20.51%	22.75%	20.39%	21.97%	19.38%	5.06%	22.69%	25.75%
Net Income	323.75M▲ 0%	400.31M▲ 23.6%	457.37M▲ 14.3%	492M▲ 7.6%	547M▲ 11.2%	1.1B▲ 100.7%	11.47B▲ 944.3%	2.78B▼ 75.8%	2.21B▼ 20.6%
Net Margin %	22.29%	25.19%	25.55%	25.68%	28.8%	21.55%	90.73%	18.59%	15.22%
Net Income Growth %	43.58%	23.65%	14.25%	7.57%	11.18%	100.73%	944.26%	-75.78%	-20.56%
Net Income (Continuing)	323.75M	400.31M	457.37M	492M	547M	1.1B	11.47B	2.78B	2.21B
EPS (Diluted)	26.96▲ 0%	33.53▲ 24.4%	41.05▲ 22.4%	47.50▲ 15.7%	53.88▲ 13.4%	67.40▲ 25.1%	784.55▲ 1064.0%	189.41▼ 75.9%	165.76▼ 12.5%
EPS Growth %	43.63%	24.37%	22.43%	15.71%	13.43%	25.09%	1064.02%	-75.86%	-12.49%
EPS (Basic)	26.96	33.53	41.05	47.50	53.88	67.47	785.18	189.42	165.76
Diluted Shares Outstanding	12.01M	11.94M	11.14M	10.06M	9.82M	15.55M	14.54M	14.34M	12.36M

FCNCA Balance Sheet

First Citizens BancShares, Inc. (FCNCA) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	8.9B	5.68B	8.54B	11.72B	18.66B	14.54B	54.45B	56.09B	20.83B
Cash & Due from Banks	336.15M	327.44M	376.72M	362.05M	9.45B	5.54B	34.52B	22.18B	20.6B
Short Term Investments	8.57B	5.35B	8.17B	11.36B	9.2B	8.99B	19.94B	33.91B	232M
Total Investments	32.22B	33.2B	37.01B	47.35B	45.48B	88.1B	162.37B	184.01B	41.8B
Investments Growth %	5.72%	3.06%	11.46%	27.96%	-3.94%	93.69%	84.31%	13.33%	-77.29%
Long-Term Investments	23.65B	27.85B	28.84B	35.77B	36.28B	79.1B	142.44B	150.26B	41.56B
Accounts Receivables	0	0	0	0	134M	329M	832M	902M	146.36B
Goodwill & Intangibles	223.7M	308.64M	417.67M	401.07M	388M	511M	683M	622M	541M
Goodwill	150.6M	236.35M	349.4M	350.3M	346M	346M	346M	346M	346M
Intangible Assets	73.1M	72.3M	68.28M	50.77M	42M	165M	337M	276M	195M
PP&E (Net)	1.14B	1.2B	1.24B	1.32B	1.3B	9.96B	10.98B	11.64B	12.07B
Other Assets	739.69M	481.63M	657.48M	495.98M	446.34M	2.32B	1.53B	1.62B	7.52B
Total Current Assets	9B	5.79B	8.67B	11.98B	19.9B	17.41B	57.66B	59.58B	168B
Total Non-Current Assets	25.53B	29.62B	31.16B	37.98B	38.41B	91.89B	155.62B	164.14B	61.7B
Total Assets	34.53B▲ 0%	35.41B▲ 2.6%	39.82B▲ 12.5%	49.96B▲ 25.4%	58.31B▲ 16.7%	109.3B▲ 87.4%	213.76B▲ 95.6%	223.72B▲ 4.7%	229.7B▲ 2.7%
Asset Growth %	4.66%	2.55%	12.47%	25.44%	16.72%	87.45%	95.57%	4.66%	2.67%
Return on Assets (ROA)	0.96%	1.14%	1.22%	1.1%	1.01%	1.31%	7.1%	1.27%	0.97%
Accounts Payable	0	0	0	0	8M	57M	137M	134M	0
Total Debt	1.56B	933.66M	1.33B	1.89B	1.78B	7B	38.05B	37.41B	36.01B
Net Debt	1.23B	606.23M	950.15M	1.53B	-7.67B	1.45B	3.53B	15.23B	15.41B
Long-Term Debt	877.45M	348.22M	883.91M	1.24B	1.19B	4.45B	37.16B	36.67B	35.78B
Short-Term Debt	678.81M	572.29M	442.96M	641.49M	589M	2.19B	485M	367M	224M
Other Liabilities	363.13M	313.55M	480.2M	407.15M	381M	2.61B	4.49B	5.19B	8.73B
Total Current Liabilities	29.95B	31.24B	34.87B	44.07B	51.99B	91.93B	146.87B	155.73B	162.95B
Total Non-Current Liabilities	1.25B	674.93M	1.36B	1.66B	1.58B	7.71B	45.63B	45.76B	44.51B
Total Liabilities	31.19B	31.92B	36.24B	45.73B	53.57B	99.64B	192.5B	201.49B	207.46B
Total Equity	3.33B▲ 0%	3.49B▲ 4.6%	3.59B▲ 2.8%	4.23B▲ 17.9%	4.74B▲ 12.0%	9.66B▲ 103.9%	21.25B▲ 120.0%	22.23B▲ 4.6%	22.24B▲ 0.0%
Equity Growth %	10.68%	4.65%	2.79%	17.93%	12.03%	103.93%	119.99%	4.58%	0.04%
Equity / Assets (Capital Ratio)	9.66%	9.85%	9%	8.47%	8.13%	8.84%	9.94%	9.94%	9.68%
Return on Equity (ROE)	10.2%	11.73%	12.93%	12.59%	12.2%	15.25%	74.17%	12.77%	9.92%
Book Value per Share	277.61	292.26	321.89	420.53	482.68	621.35	1461.83	1549.75	1798.75
Tangible BV per Share	258.98	266.40	284.40	380.65	443.15	588.49	1414.86	1506.38	1754.99
Common Stock	12.01M	11.63M	10.63M	9.82M	10M	15M	15M	14M	12M
Additional Paid-in Capital	658.92M	493.96M	44.08M	0	0	4.11B	4.11B	2.42B	0
Retained Earnings	2.79B	3.22B	3.66B	3.87B	4.38B	5.39B	16.74B	19.36B	20.77B
Accumulated OCI	-122.29M	-235.19M	-126.72M	12.26M	10M	-735M	-491M	-445M	83M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	339.94M	340M	881M	881M	881M	1.38B

FCNCA Cash Flow Statement

First Citizens BancShares, Inc. (FCNCA) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	355.26M	453.77M	578.25M	376M	-284M	2.79B	2.66B	2.99B	2.92B
Operating CF Growth %	54.12%	27.73%	27.43%	-34.98%	-175.53%	1082.75%	-4.69%	12.33%	-2.18%
Net Income	323.75M	400.31M	457.37M	492M	547M	1.1B	11.47B	2.78B	2.21B
Depreciation & Amortization	113.65M	120.43M	127.69M	133M	143M	533M	-57M	130M	405M
Deferred Taxes	125.84M	-13.38M	54.6M	-26M	-8M	206M	-165M	6M	-111M
Other Non-Cash Items	-135.08M	-69.95M	-11.84M	-73M	-238M	191M	-8.42B	604M	535M
Working Capital Changes	-72.9M	16.36M	-49.57M	-150M	-728M	744M	-173M	-529M	-112M
Cash from Investing	-668.67M	101.14M	-1.6B	-9.91B	-7.57B	75M	2.43B	-10.15B	-5.61B
Purchase of Investments	-3.06B	-1.55B	-5.02B	-10.63B	-7.78B	-2.74B	-13.05B	-23.29B	-14.36B
Sale/Maturity of Investments	3.19B	2.93B	5.05B	8.03B	4.66B	2.07B	3.12B	9.52B	16.8B
Net Investment Activity	126.3M	1.38B	32.21M	-2.6B	-3.12B	-666M	-9.93B	-13.77B	2.44B
Acquisitions	304.82M	-155.13M	-236.73M	-60M	0	134M	810M	0	0
Other Investing	-1.01B	-984.45M	-1.27B	-7.11B	-4.34B	1.53B	12.97B	5.15B	-7.2B
Cash from Financing	109.82M	-563.62M	1.07B	9.52B	7.83B	-2.69B	-4.7B	7.07B	2.67B
Dividends Paid	-14.41M	-16.78M	-18.14M	-30M	-42M	-83M	-117M	-158M	-161M
Share Repurchases	0	-163.09M	-453.12M	-334M	0	-1.24B	0	-1.65B	-3.03B
Stock Issued	0	0	0	0	0	0	0	0	494M
Net Stock Activity	0	-163.09M	-453.12M	-334M	0	-1.24B	0	-1.65B	-2.53B
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K
Other Financing	870K	490.22M	1.44B	8.98B	7.98B	-1.87B	297M	9.33B	6.52B
Net Change in Cash	-203.59M▲ 0%	-8.71M▲ 95.7%	49.28M▲ 665.8%	-15M▼ 130.4%	-24M▼ 60.0%	180M▲ 850.0%	390M▲ 116.7%	-94M▼ 124.1%	-13M▲ 86.2%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	539.74M	336.15M	327.44M	377M	362M	338M	518M	908M	814M
Cash at End	336.15M	327.44M	376.72M	362M	338M	518M	908M	814M	801M
Interest Paid	43.64M	37.1M	78.23M	105M	62M	525M	3.69B	0	0
Income Taxes Paid	88.56M	73.81M	83.04M	117M	870M	0	514M	0	0
Free Cash Flow	270.46M▲ 0%	313.32M▲ 15.8%	457.17M▲ 45.9%	243M▼ 46.8%	-391M▼ 260.9%	1.86B▲ 577.0%	1.23B▼ 33.9%	1.45B▲ 17.9%	2.07B▲ 42.5%
FCF Growth %	81.93%	15.85%	45.91%	-46.85%	-260.91%	576.98%	-33.94%	17.94%	42.53%

FCNCA Banking Ratios

First Citizens BancShares, Inc. (FCNCA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.66%	10.2%	11.73%	12.93%	12.59%	12.2%	15.25%	74.17%	12.77%	9.92%
Return on Assets (ROA)	0.7%	0.96%	1.14%	1.22%	1.1%	1.01%	1.31%	7.1%	1.27%	0.97%
Net Interest Margin	2.86%	3.07%	3.41%	3.29%	2.78%	2.38%	2.7%	3.14%	3.19%	2.97%
Efficiency Ratio	68.13%	57.79%	64.2%	60%	59.71%	61.82%	51.45%	-35.55%	38.2%	40.95%
Equity / Assets	9.13%	9.66%	9.85%	9%	8.47%	8.13%	8.84%	9.94%	9.94%	9.68%
Book Value / Share	250.83	277.61	292.26	321.89	420.53	482.68	621.35	1.46K	1.55K	1.8K
NII Growth	2.14%	12.2%	14.06%	8.48%	5.84%	0.14%	111.94%	127.83%	6.42%	-4.61%
Dividend Payout	6.39%	4.45%	4.19%	3.97%	6.1%	7.68%	7.56%	1.02%	5.69%	7.3%

FCNCA SEC Filings & Documents

First Citizens BancShares, Inc. (FCNCA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 23, 2026·SEC

Material company update

Mar 3, 2026·SEC

Material company update

Feb 5, 2026·SEC

10-K Annual Reports

FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

FCNCA Frequently Asked Questions

First Citizens BancShares, Inc. (FCNCA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Citizens BancShares, Inc. (FCNCA) saw revenue decline by 3.0% over the past year.

Yes, First Citizens BancShares, Inc. (FCNCA) is profitable, generating $2.21B in net income for fiscal year 2025 (15.2% net margin).

Dividend & Returns

Yes, First Citizens BancShares, Inc. (FCNCA) pays a dividend with a yield of 0.63%. This makes it attractive for income-focused investors.

First Citizens BancShares, Inc. (FCNCA) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.

Industry Metrics

First Citizens BancShares, Inc. (FCNCA) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.

First Citizens BancShares, Inc. (FCNCA) has an efficiency ratio of 40.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FCNCA back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in FCNCA be worth today?

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 23, 2026

$44.86vs $39.02+15.0%

$2.2Bvs $2.2B+3.2%

Q1 2026

Jan 23, 2026

$0.51vs $0.44+16.5%

$2.4Bvs $2.2B+7.9%

Q4 2025

Oct 23, 2025

$44.62vs $41.87+6.6%

$2.4Bvs $2.2B+9.6%

Q3 2025

Jul 25, 2025

$44.78vs $39.71+12.8%

$2.4Bvs $2.2B+8.7%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

1.06B

1.21B

1.31B

1.39B

2.95B

6.71B

7.14B

6.81B

NII Growth %

12.2%

14.06%

8.48%

5.84%

0.14%

111.94%

127.83%

6.42%

-4.61%

Net Interest Margin %

3.07%

3.41%

3.29%

2.78%

2.38%

2.7%

3.14%

3.19%

2.97%

Interest Income

1.1B

1.25B

1.4B

1.48B

1.45B

3.41B

10.39B

12.35B

11.78B

Interest Expense

43.79M

36.86M

92.64M

96M

61M

467M

3.68B

5.21B

4.96B

Loan Loss Provision

25.69M

28.47M

31.44M

58M

-37M

645M

1.38B

431M

626M

Non-Interest Income

349.06M

343.58M

386.31M

432M

448M

1.68B

2.25B

2.59B

2.72B

Non-Interest Income %

24.03%

21.62%

21.58%

22.55%

23.59%

33.03%

17.78%

17.32%

18.76%

Total Revenue

1.45B▲ 0%

1.59B▲ 9.4%

1.79B▲ 12.6%

1.92B▲ 7.0%

1.9B▼ 0.9%

5.1B▲ 168.4%

12.64B▲ 148.0%

14.94B▲ 18.2%

14.5B▼ 3.0%

Revenue Growth %

8.41%

9.4%

12.65%

7.02%

-0.89%

168.35%

148%

18.21%

-2.97%

Non-Interest Expense

839.57M

1.02B

1.07B

1.14B

1.17B

2.62B

-4.49B

5.71B

5.94B

Efficiency Ratio

57.79%

64.2%

60%

59.71%

61.82%

51.45%

-35.55%

38.2%

40.95%

Operating Income

543.7M▲ 0%

503.61M▼ 7.4%

592.05M▲ 17.6%

618M▲ 4.4%

701M▲ 13.4%

1.36B▲ 94.3%

12.08B▲ 786.7%

3.59B▼ 70.3%

2.97B▼ 17.3%

Operating Margin %

37.43%

31.69%

33.07%

32.25%

36.91%

26.73%

95.56%

24.04%

20.49%

Operating Income Growth %

54.87%

-7.37%

17.56%

4.38%

13.43%

94.29%

786.71%

-70.26%

-17.29%

Pretax Income

543.7M▲ 0%

503.61M▼ 7.4%

592.05M▲ 17.6%

618M▲ 4.4%

701M▲ 13.4%

1.36B▲ 94.3%

12.08B▲ 786.7%

3.59B▼ 70.3%

2.97B▼ 17.3%

Pretax Margin %

37.43%

31.69%

33.07%

32.25%

36.91%

26.73%

95.56%

24.04%

20.49%

Income Tax

219.95M

103.3M

134.68M

126M

154M

264M

611M

815M

765M

Effective Tax Rate %

40.45%

20.51%

22.75%

20.39%

21.97%

19.38%

5.06%

22.69%

25.75%

Net Income

323.75M▲ 0%

400.31M▲ 23.6%

457.37M▲ 14.3%

492M▲ 7.6%

547M▲ 11.2%

1.1B▲ 100.7%

11.47B▲ 944.3%

2.78B▼ 75.8%

2.21B▼ 20.6%

Net Margin %

22.29%

25.19%

25.55%

25.68%

28.8%

21.55%

90.73%

18.59%

15.22%

Net Income Growth %

43.58%

23.65%

14.25%

7.57%

11.18%

100.73%

944.26%

-75.78%

-20.56%

Net Income (Continuing)

323.75M

400.31M

457.37M

492M

547M

1.1B

11.47B

2.78B

2.21B

EPS (Diluted)

26.96▲ 0%

33.53▲ 24.4%

41.05▲ 22.4%

47.50▲ 15.7%

53.88▲ 13.4%

67.40▲ 25.1%

784.55▲ 1064.0%

189.41▼ 75.9%

165.76▼ 12.5%

EPS Growth %

43.63%

24.37%

22.43%

15.71%

13.43%

25.09%

1064.02%

-75.86%

-12.49%

EPS (Basic)

26.96

33.53

41.05

47.50

53.88

67.47

785.18

189.42

165.76

Diluted Shares Outstanding

12.01M

11.94M

11.14M

10.06M

9.82M

15.55M

14.54M

14.34M

12.36M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

8.9B

5.68B

8.54B

11.72B

18.66B

14.54B

54.45B

56.09B

20.83B

Cash & Due from Banks

336.15M

327.44M

376.72M

362.05M

9.45B

5.54B

34.52B

22.18B

20.6B

Short Term Investments

8.57B

5.35B

8.17B

11.36B

9.2B

8.99B

19.94B

33.91B

232M

Total Investments

32.22B

33.2B

37.01B

47.35B

45.48B

88.1B

162.37B

184.01B

41.8B

Investments Growth %

5.72%

3.06%

11.46%

27.96%

-3.94%

93.69%

84.31%

13.33%

-77.29%

Long-Term Investments

23.65B

27.85B

28.84B

35.77B

36.28B

79.1B

142.44B

150.26B

41.56B

Accounts Receivables

134M

329M

832M

902M

146.36B

Goodwill & Intangibles

223.7M

308.64M

417.67M

401.07M

388M

511M

683M

622M

541M

Goodwill

150.6M

236.35M

349.4M

350.3M

346M

Intangible Assets

73.1M

72.3M

68.28M

50.77M

42M

165M

337M

276M

195M

PP&E (Net)

1.14B

1.2B

1.24B

1.32B

1.3B

9.96B

10.98B

11.64B

12.07B

Other Assets

739.69M

481.63M

657.48M

495.98M

446.34M

2.32B

1.53B

1.62B

7.52B

Total Current Assets

5.79B

8.67B

11.98B

19.9B

17.41B

57.66B

59.58B

168B

Total Non-Current Assets

25.53B

29.62B

31.16B

37.98B

38.41B

91.89B

155.62B

164.14B

61.7B

Total Assets

34.53B▲ 0%

35.41B▲ 2.6%

39.82B▲ 12.5%

49.96B▲ 25.4%

58.31B▲ 16.7%

109.3B▲ 87.4%

213.76B▲ 95.6%

223.72B▲ 4.7%

229.7B▲ 2.7%

Asset Growth %

4.66%

2.55%

12.47%

25.44%

16.72%

87.45%

95.57%

4.66%

2.67%

Return on Assets (ROA)

0.96%

1.14%

1.22%

1.1%

1.01%

1.31%

7.1%

1.27%

0.97%

Accounts Payable

57M

137M

134M

Total Debt

1.56B

933.66M

1.33B

1.89B

1.78B

38.05B

37.41B

36.01B

Net Debt

1.23B

606.23M

950.15M

1.53B

-7.67B

1.45B

3.53B

15.23B

15.41B

Long-Term Debt

877.45M

348.22M

883.91M

1.24B

1.19B

4.45B

37.16B

36.67B

35.78B

Short-Term Debt

678.81M

572.29M

442.96M

641.49M

589M

2.19B

485M

367M

224M

Other Liabilities

363.13M

313.55M

480.2M

407.15M

381M

2.61B

4.49B

5.19B

8.73B

Total Current Liabilities

29.95B

31.24B

34.87B

44.07B

51.99B

91.93B

146.87B

155.73B

162.95B

Total Non-Current Liabilities

1.25B

674.93M

1.36B

1.66B

1.58B

7.71B

45.63B

45.76B

44.51B

Total Liabilities

31.19B

31.92B

36.24B

45.73B

53.57B

99.64B

192.5B

201.49B

207.46B

Total Equity

3.33B▲ 0%

3.49B▲ 4.6%

3.59B▲ 2.8%

4.23B▲ 17.9%

4.74B▲ 12.0%

9.66B▲ 103.9%

21.25B▲ 120.0%

22.23B▲ 4.6%

22.24B▲ 0.0%

Equity Growth %

10.68%

4.65%

2.79%

17.93%

12.03%

103.93%

119.99%

4.58%

0.04%

Equity / Assets (Capital Ratio)

9.66%

9.85%

8.47%

8.13%

8.84%

9.94%

9.68%

Return on Equity (ROE)

10.2%

11.73%

12.93%

12.59%

12.2%

15.25%

74.17%

12.77%

9.92%

Book Value per Share

277.61

292.26

321.89

420.53

482.68

621.35

1461.83

1549.75

1798.75

Tangible BV per Share

258.98

266.40

284.40

380.65

443.15

588.49

1414.86

1506.38

1754.99

Common Stock

12.01M

11.63M

10.63M

9.82M

10M

15M

14M

12M

Additional Paid-in Capital

658.92M

493.96M

44.08M

4.11B

2.42B

Retained Earnings

2.79B

3.22B

3.66B

3.87B

4.38B

5.39B

16.74B

19.36B

20.77B

Accumulated OCI

-122.29M

-235.19M

-126.72M

12.26M

10M

-735M

-491M

-445M

83M

Treasury Stock

Preferred Stock

339.94M

340M

881M

1.38B

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

355.26M

453.77M

578.25M

376M

-284M

2.79B

2.66B

2.99B

2.92B

Operating CF Growth %

54.12%

27.73%

27.43%

-34.98%

-175.53%

1082.75%

-4.69%

12.33%

-2.18%

Net Income

323.75M

400.31M

457.37M

492M

547M

1.1B

11.47B

2.78B

2.21B

Depreciation & Amortization

113.65M

120.43M

127.69M

133M

143M

533M

-57M

130M

405M

Deferred Taxes

125.84M

-13.38M

54.6M

-26M

-8M

206M

-165M

-111M

Other Non-Cash Items

-135.08M

-69.95M

-11.84M

-73M

-238M

191M

-8.42B

604M

535M

Working Capital Changes

-72.9M

16.36M

-49.57M

-150M

-728M

744M

-173M

-529M

-112M

Cash from Investing

-668.67M

101.14M

-1.6B

-9.91B

-7.57B

75M

2.43B

-10.15B

-5.61B

Purchase of Investments

-3.06B

-1.55B

-5.02B

-10.63B

-7.78B

-2.74B

-13.05B

-23.29B

-14.36B

Sale/Maturity of Investments

3.19B

2.93B

5.05B

8.03B

4.66B

2.07B

3.12B

9.52B

16.8B

Net Investment Activity

126.3M

1.38B

32.21M

-2.6B

-3.12B

-666M

-9.93B

-13.77B

2.44B

Acquisitions

304.82M

-155.13M

-236.73M

-60M

134M

810M

Other Investing

-1.01B

-984.45M

-1.27B

-7.11B

-4.34B

1.53B

12.97B

5.15B

-7.2B

Cash from Financing

109.82M

-563.62M

1.07B

9.52B

7.83B

-2.69B

-4.7B

7.07B

2.67B

Dividends Paid

-14.41M

-16.78M

-18.14M

-30M

-42M

-83M

-117M

-158M

-161M

Share Repurchases

-163.09M

-453.12M

-334M

-1.24B

-1.65B

-3.03B

Stock Issued

494M

Net Stock Activity

-163.09M

-453.12M

-334M

-1.24B

-1.65B

-2.53B

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

1000K

-1000K

Other Financing

870K

490.22M

1.44B

8.98B

7.98B

-1.87B

297M

9.33B

6.52B

Net Change in Cash

-203.59M▲ 0%

-8.71M▲ 95.7%

49.28M▲ 665.8%

-15M▼ 130.4%

-24M▼ 60.0%

180M▲ 850.0%

390M▲ 116.7%

-94M▼ 124.1%

-13M▲ 86.2%

Exchange Rate Effect

Cash at Beginning

539.74M

336.15M

327.44M

377M

362M

338M

518M

908M

814M

Cash at End

336.15M

327.44M

376.72M

362M

338M

518M

908M

814M

801M

Interest Paid

43.64M

37.1M

78.23M

105M

62M

525M

3.69B

Income Taxes Paid

88.56M

73.81M

83.04M

117M

870M

514M

Free Cash Flow

270.46M▲ 0%

313.32M▲ 15.8%

457.17M▲ 45.9%

243M▼ 46.8%

-391M▼ 260.9%

1.86B▲ 577.0%

1.23B▼ 33.9%

1.45B▲ 17.9%

2.07B▲ 42.5%

FCF Growth %

81.93%

15.85%

45.91%

-46.85%

-260.91%

576.98%

-33.94%

17.94%

42.53%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

7.66%

10.2%

11.73%

12.93%

12.59%

12.2%

15.25%

74.17%

12.77%

9.92%

Return on Assets (ROA)

0.7%

0.96%

1.14%

1.22%

1.1%

1.01%

1.31%

7.1%

1.27%

0.97%

Net Interest Margin

2.86%

3.07%

3.41%

3.29%

2.78%

2.38%

2.7%

3.14%

3.19%

2.97%

Efficiency Ratio

68.13%

57.79%

64.2%

60%

59.71%

61.82%

51.45%

-35.55%

38.2%

40.95%

Equity / Assets

9.13%

9.66%

9.85%

8.47%

8.13%

8.84%

9.94%

9.68%

Book Value / Share

250.83

277.61

292.26

321.89

420.53

482.68

621.35

1.46K

1.55K

1.8K

NII Growth

2.14%

12.2%

14.06%

8.48%

5.84%

0.14%

111.94%

127.83%

6.42%

-4.61%

Dividend Payout

6.39%

4.45%

4.19%

3.97%

6.1%

7.68%

7.56%

1.02%

5.69%

7.3%

First Citizens BancShares, Inc.(FCNCA)Earnings, Financials & Key Ratios

FCNCA Key Insights

✓Strengths

✗Weaknesses

FCNCA Price & Volume

FCNCA Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FCNCA Recent Earnings

FCNCA Peer Comparison

Compare FCNCA vs Peers

vs HBAN

vs JPM

Compare Top 5

FCNCA Income Statement

FCNCA Balance Sheet

FCNCA Cash Flow Statement

FCNCA Banking Ratios

FCNCA SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FCNCA Frequently Asked Questions

First Citizens BancShares, Inc.(FCNCA)Earnings, Financials & Key Ratios

FCNCA Key Insights

✓Strengths

✗Weaknesses

FCNCA Price & Volume

FCNCA Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FCNCA Recent Earnings

FCNCA Peer Comparison

Compare FCNCA vs Peers

vs HBAN

vs JPM

Compare Top 5

FCNCA Income Statement

FCNCA Balance Sheet

FCNCA Cash Flow Statement

FCNCA Banking Ratios

FCNCA SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FCNCA Frequently Asked Questions