First Citizens BancShares, Inc.

First Citizens BancShares, Inc.

2,331.85
USD
+9.64
(+0.42%)
193.45EPS
11.16P/E
23.70BMarket Cap
Jan 22Next Earn
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
- -
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
- -
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
- -
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
12.41
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
- -
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
- -
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
73
82
111
111
114
120
128
133
143
533
-57
130
405
- -
Net Income, GAAP
167
139
210
225
324
400
457
492
547
1,098
11,466
2,777
2,206
- -
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
- -
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
511
551
704
833
885
348
884
1,248
1,259
4,811
37,565
37,041
36,113
- -
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
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.8
4.12
5.76
6.07
7.93
9.79
10.97
9.89
9.53
9.88
30.56
4.7
3.75
- -
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
- -

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
- -
- -
- -
LT Borrowings
33,719
31,951
- -
LT Finance Leases
390
395
- -
Preferred Equity and Hybrid Capital
1,765
1,765
- -
Shares Outstanding
12
11
11
Market Capitalization
22,030
23,701
23,178

Working Capital

USD

•

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

Growth Rates

USD

•

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

USD

•

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

USD

•

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

USD

•

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

CEO
Frank B. Holding
Full Time Employees
18,141
Sector
Finance
Industry
Regional banks
Address
4300 Six Forks Road Raleigh NC United States 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

  • 2 Bank Stocks to Buy After Their Third-Quarter Earnings Reports

  • Earnings Estimates Moving Higher for First Citizens (FCNCA): Time to Buy?

  • First Citizens BancShares, Inc. $FCNCA Stock Position Lowered by Asset Management One Co. Ltd.

  • First Citizens Bank Opens New Banking Office and Branch in Downtown Santa Monica

  • First Citizens Bank Opens New Banking Office and Branch in Downtown Santa Monica

  • Dividend Announcements: October 17-23, 2026 (Part 1 Of 2)

  • First Citizens: Strong Buyback, But Reserves Remain A Concern

  • First Citizens BancShares, Inc. (FCNCA) Q3 2026 Earnings Call Transcript

  • Here's What Key Metrics Tell Us About First Citizens (FCNCA) Q3 Earnings

  • First Citizens BancShares (FCNCA) Surpasses Q3 Earnings and Revenue Estimates

  • First Citizens BancShares Reports Third Quarter 2026 Earnings, Announces Additional Share Repurchase Plan

  • First Citizens BancShares Declares Dividends

  • SteelPeak Wealth LLC Makes New Investment in First Citizens BancShares, Inc. $FCNCA

  • Will First Citizens (FCNCA) Beat Estimates Again in Its Next Earnings Report?

  • First Citizens BancShares (FCNCA) Reports Next Week: Wall Street Expects Earnings Growth

  • Pivot Energy Closes $173 Million Term Loan Facility for 135 MWdc Distributed Solar Portfolio

  • Halloween Budgets Top Thanksgiving: 38% Plan to Spend $300 or More, CIT Bank Survey Finds

  • First Citizens Bank Launches New Innovation Banking Brand

  • First Citizens BancShares vs MP Materials: A Tale of 2 Regulation Bets

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