First Citizens BancShares, Inc.

First Citizens BancShares, Inc.

FCNCA
First Citizens BancShares, Inc.US flagNASDAQ Global Select
2,291.33
USD
+23.24
- -
26.10BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
104.75
97.39
105.02
107.99
117.31
130.04
152.38
180.97
187.24
291.4
602.56
662.4
711.56
766.67
Basic EPS, GAAP
17.35
13.56
17.52
18.77
26.96
33.53
41.05
47.53
53.89
67.47
785.18
189.38
165.28
186.39
Free Cash Flow per Basic Share
27.55
9.74
11.93
12.38
22.52
26.25
41.03
24.16
-39.83
120.08
84.8
101.31
104.67
132.15
Dividend per Share
0.9
1.13
1.5
1.2
1.2
1.41
1.63
2.98
4.28
5.34
8.05
11.02
12.38
15.2
Book Value per Share
215.35
223.77
239.14
250.82
277.6
300.04
337.38
396.21
448.03
605.33
1,403.16
1,556.17
1,718.65
1,767.72
Tangible Book Value per Share
204.55
203.26
219.92
231.78
258.97
273.49
298.09
355.35
408.5
570.1
1,356.12
1,510.83
1,671.45
1,718.38
Basic Weighted Avg Shares
10
10
12
12
12
12
11
10
10
16
15
14
13
12
Sales/Revenue/Turnover
1,008
996
1,261
1,297
1,409
1,552
1,698
1,820
1,838
4,526
8,754
9,500
9,252
9,329
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
73
82
111
111
114
120
128
133
143
533
-57
130
405
548
Net Income, GAAP
167
139
210
225
324
400
457
492
547
1,098
11,466
2,777
2,206
2,354
Effective Tax Rate (%)
37.84
31.94
36.71
35.77
40.45
20.51
22.75
20.39
21.97
19.38
5.06
22.69
25.75
25.46
Profit Margin (%)
16.56
13.92
16.68
17.39
22.98
25.79
26.94
27.03
29.76
24.26
130.98
29.23
23.84
25.23
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
511
551
704
833
885
348
884
1,248
1,259
4,811
37,565
37,041
36,113
32,346
Total Equity
2,071
2,688
2,872
3,012
3,334
3,489
3,586
4,229
4,738
9,662
21,255
22,228
22,238
21,900
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.48
5.82
7.57
7.66
10.2
11.73
12.93
12.79
12.77
15.9
78.25
13.02
10.18
10.92

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
35,712
33,719
31,951
LT Finance Leases
401
390
395
Preferred Equity and Hybrid Capital
1,375
1,765
1,765
Shares Outstanding
12
12
11
Market Capitalization
26,053
22,030
23,701

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
52,392
57,583
48,115
Accounts Receivable, Net
912
955
943
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3,959
3,934
3,972
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
28.15%
48.11%
0.04%
Free Cash Flow
-75.97%
-172.04%
-6.33%
Net Income, GAAP
105.61%
191.97%
-20.56%
Sales/Revenue/Turnover
28.48%
49.31%
-2.61%
Total Cash Common Dividend
- -
47.54%
7.22%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,436
2,398
2,441
2,167
9,500
2025
2,293
2,365
2,430
2,164
9,252
2026
2,310
2,425
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
49.27
47.54
43.41
49.18
189.38
2025
34.47
42.38
43.12
45.78
165.28
2026
42.6
55.48
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.68
2.68
2.64
3.02
11.02
2025
3.09
3.02
3.04
3.24
12.38
2026
4.28
4.77
- -
- -
- -

Company Description

APIChatGPT
CEO
Frank Brown Holding Jr.
Full Time Employees
18,141
Sector
Financial Services
Industry
Banks - Regional
Address
4300 Six Forks Road Raleigh NC United States of America 27609
IPO Date
Oct 22, 1986
Business
First Citizens BancShares, Inc. functions as the holding entity for First-Citizens Bank & Trust Company, a prominent financial institution delivering extensive retail and commercial banking solutions to individuals, enterprises, and specialized professionals. The company's deposit offerings encompass a variety of checking, savings, money market, and certificate accounts. Its lending portfolio spans a wide range, including commercial construction and property development, commercial mortgage, commercial and industrial financing, equipment lease financing, and various consumer credit options such as residential mortgages, revolving lines of credit, and vehicle loans. Beyond traditional banking, First Citizens provides treasury management products, cardholder and merchant processing services, and comprehensive wealth management. This includes investment products like annuities and third-party mutual funds, along with tailored investment management and advisory services. Further specialized services comprise defined benefit and contribution plans, insurance, private banking, trust, fiduciary, philanthropic guidance, and unique asset management. Operating as a top 20 U.S. financial institution with assets exceeding $200 billion, First Citizens BancShares conducts its operations across several key segments: the General Bank, serving everyday banking needs; the Commercial Bank, focused on small and middle-market businesses; SVB Commercial, catering to the innovation economy following its strategic acquisition in 2023; and a dedicated Rail segment, providing equipment leasing and financing for the railway industry. This broad array of products and services is accessible through its expansive branch network, supplemented by robust digital banking, telephone banking, and ATM services. Established in 1898, First Citizens BancShares, Inc. maintains its corporate headquarters in Raleigh, North Carolina, and has significantly expanded its presence to over 500 branches and offices across 30 states. The company debuted on the Fortune 500 list in 2024 and was recognized as a top-performing large bank.

Company News

APIChatGPT
  • Revman International Secures $87 million from First Citizens Bank

  • First Citizens Bank Introduces Working Capital Finance Group

  • First Citizens Bank Appoints Stacie Bales Barton and Sharon Thompson to Lead Growth Across Central U.S.

  • First Citizens Bank Purchases Office Buildings in San Diego

  • First Citizens BancShares, Inc. $FCNCA Stock Holdings Lifted by Gabelli Funds LLC

  • First Citizens BancShares, Inc. (FCNCA) Q2 2026 Earnings Call Transcript

  • First Citizens (FCNCA) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

  • First Citizens BancShares (FCNCA) Q2 Earnings and Revenues Top Estimates

  • First Citizens BancShares Reports Second Quarter 2026 Earnings

  • First Citizens BancShares Declares Dividends

  • Bank of New York Mellon Corp Sells 11,464 Shares of First Citizens BancShares, Inc. $FCNCA

  • Fifth Third Bancorp Grows Position in First Citizens BancShares, Inc. $FCNCA

  • California Public Employees Retirement System Buys 904 Shares of First Citizens BancShares, Inc. $FCNCA

  • First Citizens (FCNCA) Q2 Earnings Preview: What You Should Know Beyond the Headline Estimates

  • Why First Citizens (FCNCA) is Poised to Beat Earnings Estimates Again

  • First Citizens BancShares Is No Longer A Prime Candidate After Its Monumental Rise

  • First Citizens BancShares (FCNCA) Expected to Beat Earnings Estimates: What to Know Ahead of Q2 Release

  • First Citizens BancShares, Inc. Announces Date of Second Quarter 2026 Earnings Call

  • Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions

  • Silicon Valley Bank Expands Life Science & Healthcare Team