FCNCA · First Citizens Bancshares Inc /De/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.31B | - | $2.45B | $2.37B | $2.44B | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $705.00M | - | $751.00M | $758.00M | $651.00M | - | $873.00M | $979.00M | $1.00B | - |
| Interest Expense | - | - | - | - | - | - | - | - | $1.27B | - |
| Income Tax | $171.00M | - | $183.00M | $183.00M | $168.00M | - | $234.00M | $272.00M | $273.00M | - |
| Net Income | $534.00M | - | $568.00M | $575.00M | $483.00M | - | $639.00M | $707.00M | $731.00M | - |
| EPS - Basic | $42.63 | - | $43.08 | $42.36 | $34.47 | - | $43.42 | $47.54 | $49.27 | - |
| EPS - Diluted | $42.63 | - | $43.08 | $42.36 | $34.47 | - | $43.42 | $47.54 | $49.26 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.08B | $801.00M | $874.00M | $889.00M | $812.00M | $814.00M | $862.00M | $764.00M | $698.00M | $908.00M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $235.96B | $229.70B | $233.49B | $229.65B | $228.82B | $223.72B | $220.57B | $219.83B | $217.84B | $213.76B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $33.79B | $35.78B | $38.25B | $37.64B | $37.96B | $36.68B | $36.77B | $37.07B | $37.15B | $37.17B |
| Total Liabilities | $213.91B | $207.46B | $211.50B | $207.36B | $206.53B | $201.49B | $197.74B | $197.34B | $195.99B | $192.50B |
| Stockholders' Equity | $22.05B | $22.24B | $21.99B | $22.30B | $22.30B | $22.23B | $22.83B | $22.49B | $21.85B | $21.25B |
| Retained Earnings | $20.34B | $20.77B | $20.87B | $20.34B | $19.80B | $19.36B | $18.70B | $18.10B | $17.43B | $16.74B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $172.00M | - | - | - | $98.00M | - | - | - | $461.00M | - |
| Investing Cash Flow | ($6.54B) | - | - | - | ($4.88B) | - | - | - | ($4.29B) | - |
| Financing Cash Flow | $6.64B | - | - | - | $4.78B | - | - | - | $3.62B | - |
| CapEx | $141.00M | - | - | - | $103.00M | - | - | - | $94.00M | - |
| Free Cash Flow | $31.00M | - | - | - | ($5.00M) | - | - | - | $367.00M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 30.5% | - | 30.7% | 31.9% | 26.6% | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 23.1% | - | 23.2% | 24.2% | 19.8% | - | - | - | - | - |
| Free cash flow margin | 1.3% | - | - | - | -0.2% | - | - | - | - | - |
| FCF / Net income | 0.06 | - | - | - | -0.01 | - | - | - | 0.50 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.3% | - | 24.4% | 24.1% | 25.8% | - | 26.8% | 27.8% | 27.2% | - |
| Return on assets | 0.2% | - | 0.2% | 0.3% | 0.2% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.4% | - | 2.6% | 2.6% | 2.2% | - | 2.8% | 3.1% | 3.3% | - |
| Return on invested capital | 1.0% | - | 0.9% | 1.0% | 0.8% | - | 1.1% | 1.2% | 1.2% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 1.53 | 1.61 | 1.74 | 1.69 | 1.70 | 1.65 | 1.61 | 1.65 | 1.70 | 1.75 |
| Debt / Assets | 0.14 | 0.16 | 0.16 | 0.16 | 0.17 | 0.16 | 0.17 | 0.17 | 0.17 | 0.17 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.8x | - |
| Equity multiplier | 10.70 | 10.33 | 10.62 | 10.30 | 10.26 | 10.06 | 9.66 | 9.78 | 9.97 | 10.06 |
| Liabilities / Assets | 0.91 | 0.90 | 0.91 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | 0.01 | - | 0.01 | 0.01 | 0.01 | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 44.2x | - | 41.5x | 46.2x | 53.8x | - | 42.4x | 35.4x | 33.2x | - |
| P / B | 1.0x | - | 1.0x | 1.2x | 1.1x | - | 1.2x | 1.1x | 1.1x | - |
| P / S | 9.7x | - | 9.4x | 10.9x | 10.3x | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -5.4% | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 8.3% | - | -14.0% | -22.6% | -35.2% | - | -12.4% | 9.3% | -89.4% | - |
| Net income growth (YoY) | 10.6% | - | -11.1% | -18.7% | -33.9% | - | -15.0% | 3.7% | -92.3% | - |
| EPS growth (YoY) | 23.7% | - | -0.8% | -10.9% | -30.0% | - | -14.3% | 3.6% | -92.5% | - |
| EPS CAGR (3y) | -59.7% | - | 30.8% | 41.1% | 27.3% | - | 45.7% | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | -17.5% | - | - | - | - | - | - | - | 25.9% | - |
| Book value growth (YoY) | -1.1% | 0.0% | -3.7% | -0.8% | 2.0% | 4.6% | 12.0% | 13.7% | 13.7% | 120.0% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$8.97B totalCommercial Bank Segment$4.33B · 48.3%
General Bank Segment$3.96B · 44.2%
Rail Segment$680.00M · 7.6%
Product / service
$1.43B totalLending Related Fees$266.00M · 18.7%
Deposit Fees And Service Charges$241.00M · 16.9%
Asset Management1$229.00M · 16.1%
Client Investment Service$217.00M · 15.2%
Credit And Debit Card$158.00M · 11.1%
International Fees$136.00M · 9.5%
Factoring Commissions$73.00M · 5.1%
Insurance Commissions$53.00M · 3.7%
Merchant Services$52.00M · 3.6%
Peer comparison
Same SIC group: State Commercial Banks
Comparing FIRST CITIZENS BANCSHARES INC /DE/ against the 5 most active filers in the same SIC group.
Dividends
$8.25/share trailing 12 months · +10.1% YoY
| Ex-date | Per share |
|---|---|
| May 29, 2026 | $2.1000 |
| Feb 27, 2026 | $2.1000 |
| Nov 28, 2025 | $2.1000 |
| Aug 29, 2025 | $1.9500 |
| May 30, 2025 | $1.9500 |
| Feb 28, 2025 | $1.9500 |
| Nov 29, 2024 | $1.9500 |
| Aug 30, 2024 | $1.6400 |
| May 31, 2024 | $1.6400 |
| Feb 28, 2024 | $1.6400 |
| Nov 29, 2023 | $1.6400 |
| Aug 30, 2023 | $0.7500 |
| May 30, 2023 | $0.7500 |
| Feb 27, 2023 | $0.7500 |
| Nov 29, 2022 | $0.7500 |
| Aug 30, 2022 | $0.4700 |
| May 27, 2022 | $0.4700 |
| Feb 25, 2022 | $0.4700 |
| Nov 9, 2021 | $0.4700 |
| Jul 29, 2021 | $0.4700 |
| May 13, 2021 | $0.4700 |
| Mar 12, 2021 | $0.4700 |
| Dec 11, 2020 | $0.4700 |
| Sep 11, 2020 | $0.4000 |