First Citizens BancShares, Inc. (FCNCA) Earnings History
Elite Compounder36 years of earnings data (1990–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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First Citizens BancShares, Inc. (FCNCA) Earnings Overview
As of June 21, 2026, First Citizens BancShares, Inc. (FCNCA) reported trailing twelve-month net income of $2.21B, reflecting -12.5% year-over-year growth. The company earned $178.44 per diluted share over the past four quarters, with a net profit margin of 15.2%.
Looking at the long-term picture, FCNCA's 5-year EPS compound annual growth rate (CAGR) stands at +28.4%, indicating exceptional earnings growth. The company achieved its highest annual net income of $11.47B in fiscal 2023.
First Citizens BancShares, Inc. maintains industry-leading profitability with a gross margin of 61.4%, operating margin of 20.5%, and net margin of 15.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including HBAN ($2.21B net income, 17.7% margin), CFG ($1.83B net income, 16.4% margin), RF ($2.16B net income, 22.4% margin), FCNCA has room to improve margins relative to the peer group. Compare FCNCA vs HBAN →
FCNCA Earnings vs Peers
Earnings metrics vs comparable public companies
FCNCA Historical Earnings Data (1990–2025)
36 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $2.21B | -20.6% | $2.97B | $165.76 | 15.2% | 20.5% |
| 2024 | $2.78B | -75.8% | $3.59B | $189.41 | 18.6% | 24.0% |
| 2023 | $11.47B | +944.3% | $12.08B | $784.55 | 90.7% | 95.6% |
| 2022 | $1.10B | +100.7% | $1.36B | $67.40 | 21.5% | 26.7% |
| 2021 | $547M | +11.2% | $701M | $53.88 | 28.8% | 36.9% |
| 2020 | $492M | +7.6% | $618M | $47.50 | 25.7% | 32.3% |
| 2019 | $457M | +14.3% | $592M | $41.05 | 25.5% | 33.1% |
| 2018 | $400M | +23.6% | $504M | $33.53 | 25.2% | 31.7% |
| 2017 | $324M | +43.6% | $544M | $26.96 | 22.3% | 37.4% |
| 2016 | $225M | +7.2% | $351M | $18.77 | 16.8% | 26.2% |
| 2015 | $210M | +51.8% | $332M | $17.52 | 16.1% | 25.5% |
| 2014 | $139M | -17.0% | $204M | $13.56 | 13.2% | 19.5% |
| 2013 | $167M | +26.0% | $268M | $17.43 | 15.7% | 25.2% |
| 2012 | $132M | -32.1% | $197M | $13.11 | 11.1% | 16.5% |
| 2011 | $195M | +1.0% | $310M | $18.80 | 14.7% | 23.3% |
| 2010 | $193M | +65.9% | $304M | $18.50 | 15.6% | 24.5% |
| 2009 | $116M | +27.8% | $183M | $11.08 | 11.2% | 17.7% |
| 2008 | $91M | -16.2% | $140M | $8.73 | 8.1% | 12.4% |
| 2007 | $109M | -14.1% | $168M | $10.41 | 9.1% | 14.0% |
| 2006 | $126M | +12.1% | $196M | $12.12 | 11.5% | 17.8% |
| 2005 | $113M | +50.8% | $179M | $10.82 | 12.2% | 19.3% |
| 2004 | $75M | -0.5% | $124M | $7.17 | 9.7% | 16.1% |
| 2003 | $75M | -18.9% | $117M | $7.19 | 10.0% | 15.5% |
| 2002 | $93M | +6.7% | $144M | $8.85 | 11.4% | 17.6% |
| 2001 | $87M | -11.6% | $138M | $8.27 | 9.3% | 14.8% |
| 2000 | $98M | +20.2% | $157M | $9.32 | 10.8% | 17.3% |
| 1999 | $82M | +15.2% | $130M | $7.70 | 10.2% | 16.3% |
| 1998 | $71M | +0.6% | $111M | $6.62 | 9.3% | 14.5% |
| 1997 | $71M | +7.8% | $110M | $6.22 | 10.3% | 16.0% |
| 1996 | $66M | +15.1% | $102M | $5.77 | 10.3% | 16.0% |
| 1995 | $57M | +11.6% | $87M | $5.37 | 10.1% | 15.5% |
| 1994 | $51M | -8.3% | $78M | $5.13 | 11.1% | 17.0% |
| 1993 | $56M | +7.3% | $84M | $5.73 | 12.3% | 18.7% |
| 1992 | $52M | +77.4% | $78M | $5.45 | 11.1% | 16.7% |
| 1991 | $29M | +2.8% | $43M | $3.12 | 5.9% | 8.8% |
| 1990 | $28M | - | $42M | $3.05 | 6.8% | 10.0% |
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FCNCA — Frequently Asked Questions
Quick answers to the most common questions about buying FCNCA stock.
What is FCNCA earnings per share (EPS)?
FCNCA trailing twelve-month (TTM) diluted EPS is $178.44, reflecting -12.5% year-over-year growth. The 5-year EPS CAGR is +28.4%. Complete EPS history from 1990 to 2025 is available in the table on this page.
What is First Citizens BancShares, Inc.'s net income?
First Citizens BancShares, Inc. (FCNCA) trailing twelve-month net income is $2.2B as of 2025. Earnings declined -12.5% year-over-year. First Citizens BancShares, Inc. has been profitable for 36 consecutive years.
Is FCNCA profitable?
Yes, FCNCA is profitable with a TTM net income of $2.2B and a net profit margin of +15.2%. First Citizens BancShares, Inc. has generated profits for 36 consecutive years.
What is FCNCA's earnings growth rate?
FCNCA compound annual EPS growth rates (CAGR): 1-Year: -12.5%, 3-Year: +35.0%, 5-Year: +28.4%, 10-Year: +25.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1990 to 2025.
What are FCNCA's profit margins?
First Citizens BancShares, Inc. net profit margin is +15.2%, operating margin is +20.5%, and gross margin is +61.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.9%.
Is FCNCA growing earnings?
FCNCA earnings are declining — EPS fell -12.5% year-over-year. TTM net income dropped to $2.2B. This contrasts with the 5-year CAGR of +28.4%.
What was FCNCA's best earnings year?
First Citizens BancShares, Inc.'s highest annual net income on record is $11.5B, achieved in fiscal year 2023. Earnings history on this page spans 1990 to 2025 and includes all annual and quarterly figures.
What were FCNCA's earnings last quarter?
FCNCA's most recent reported quarter was Q4 2025. Net income was $580M with diluted EPS of $45.81. For a full breakdown of all quarters, see the quarterly earnings table on this page.