First Citizens BancShares, Inc. (FCNCA) Earnings History
Annual and quarterly earnings data from 1990 to 2025
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FCNCA EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FCNCA Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 61.4% | 20.5% | 15.2% |
| 2024 | 62.2% | 24.0% | 18.6% |
| 2023 | 60.0% | 95.6% | 90.7% |
| 2022 | 78.2% | 26.7% | 21.5% |
| 2021 | 98.7% | 36.9% | 28.8% |
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First Citizens BancShares, Inc. (FCNCA) Earnings Overview
As of May 7, 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 ($1.70B net income, 12.2% 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% |
Full FCNCA Stock Analysis
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Start ComparisonFCNCA — Frequently Asked Questions
Quick answers to the most common questions about buying FCNCA stock.
Is FCNCA growing earnings?
FCNCA EPS fell to $178.44, with earnings declining -12.5%. This contrasts with the 5-year CAGR of +28.4%. TTM net income dropped to $2.2B.
What are FCNCA's profit margins?
First Citizens BancShares, Inc. net margin is +15.2%, with operating margin at +20.5%. Above-average margins indicate pricing power.
How consistent are FCNCA's earnings?
FCNCA earnings data spans 1990-2025. The declining earnings trend is -12.5% YoY. Historical data enables comparison across business cycles.