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.

Price · FCNCA

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$9.54B	$9.76B	$82.00M◇	$47.00M◇	$0◇	-
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	$314.00M	$276.00M	$225.00M	$109.00M	-	-
Operating Income	$2.97B	$3.59B	$12.08B	$1.36B	$701.66M	$617.88M
Interest Expense	-	-	$3.68B	$467.00M	$60.68M	$95.86M
Income Tax	$765.00M	$815.00M	$611.00M	$264.00M	$154.20M	$126.16M
Net Income	$2.21B	$2.78B	$11.47B	$1.10B	$547.46M	$491.72M
EPS - Basic	$165.24	$189.42	$785.14	$67.47	$53.88	$47.50
EPS - Diluted	$165.24	$189.41	$784.51	$47.50	$53.88◇	-

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$801.00M	$814.00M	$908.00M	$518.00M	$9.03B	$362.05M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$229.70B	$223.72B	$213.76B	$109.30B	$58.31B	$49.96B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	$35.78B	$36.68B	$37.17B	$4.46B	$1.19B	$1.25B
Total Liabilities	$207.46B	$201.49B	$192.50B	$99.64B	$53.57B	$45.73B
Stockholders' Equity	$22.24B	$22.23B	$21.25B	$9.66B	$4.74B	$4.23B
Retained Earnings	$20.77B	$19.36B	$16.74B	$5.39B	$4.38B	$3.87B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$2.92B	$2.99B	$2.66B	$2.79B	($283.78M)	$340.01M
Investing Cash Flow	($5.61B)	($10.15B)	$2.43B	$75.00M	($7.57B)	($9.87B)
Financing Cash Flow	$2.67B	$7.07B	($4.70B)	($2.69B)	$7.83B	$9.52B
CapEx	$710.00M	$429.00M	$405.00M	$155.00M	$107.37M	$133.38M
Free Cash Flow	$2.21B	$2.56B	$2.25B	$2.64B	($391.15M)	$206.63M

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	31.1%	36.8%	14728.0%	2897.9%	-	-
EBITDA margin	34.4%	39.6%	15002.4%	3129.8%	-	-
Net margin	23.1%	28.5%	13982.9%	2336.2%	-	-
Free cash flow margin	23.2%	26.2%	2750.0%	5608.5%	-	-
FCF / Net income	1.00	0.92	0.20	2.40	-0.71	0.42
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	25.7%	22.7%	5.1%	19.4%	22.0%	20.4%
Return on assets	1.0%	1.2%	5.4%	1.0%	0.9%	1.0%
Return on equity	9.9%	12.5%	53.9%	11.4%	11.6%	11.6%
Return on invested capital	3.8%	4.7%	19.6%	7.8%	9.2%	9.0%
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	1.61	1.65	1.75	0.46	0.25	0.30
Debt / Assets	0.16	0.16	0.17	0.04	0.02	0.02
Debt / EBITDA	10.89	9.48	3.02	3.03	-	-
Interest coverage	-	-	3.3x	2.9x	11.6x	6.4x
Equity multiplier	10.33	10.06	10.06	11.31	12.31	11.81
Liabilities / Assets	0.90	0.90	0.90	0.91	0.92	0.92
Efficiency
Asset turnover	0.04	0.04	0.00	0.00	0.00	-
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	13.0x	11.2x	1.8x	16.0x	15.4x	-
P / B	1.3x	1.4x	1.0x	0.8x	1.7x	-
P / S	2.9x	3.1x	251.6x	162.3x	-	-
EV / EBITDA	19.1x	17.1x	4.6x	7.9x	-	-
Growth
Revenue growth (YoY)	-2.2%	11800.0%	74.5%	-	-	-
Revenue CAGR (3y)	487.7%	-	-	-	-	-
Revenue CAGR (5y)	-	-	-	-	-	-
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	-17.3%	-70.3%	786.7%	94.1%	13.6%	4.4%
Net income growth (YoY)	-20.6%	-75.8%	944.3%	100.6%	11.3%	7.5%
EPS growth (YoY)	-12.8%	-75.9%	1551.6%	-11.8%	-	-
EPS CAGR (3y)	51.5%	52.1%	-	-	-	-
EPS CAGR (5y)	-	-	-	-	-	-
FCF growth (YoY)	-13.5%	13.5%	-14.5%	-	-	-11.8%
FCF CAGR (5y)	60.7%	61.3%	29.2%	58.1%	-	7.6%
Book value growth (YoY)	0.0%	4.6%	120.0%	104.0%	12.0%	17.9%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$8.97B total

Commercial Bank Segment$4.33B · 48.3%

General Bank Segment$3.96B · 44.2%

Rail Segment$680.00M · 7.6%

Product / service

$1.43B total

Lending 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%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

5/9

Neutral

✓Net income positive
✓Operating cash flow positive
✗ROA improved YoY
✓Cash flow > net income
✓Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✗Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

Company	Revenue (last FY)	Net margin	ROE
ASB	-	-	9.5%
CZNC	$5.98M	392.0%	6.9%
CBSH	-	-	14.9%
SBSI	-	-	8.2%
BUSE	$719.58M	18.8%	5.5%

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

Cells marked with a small ◇ are sourced from SEC's bulk Financial Statement Data Sets, which can lose dimensional context (notably Revenue and Operating Income for issuers that report by segment). These cells will be replaced with authoritative values from the Company Facts API as the backfill completes.