First Citizens BancShares Inc (Delaware) FCNCA · USD
Financials · US listing · 🇺🇸 United States
2,290.07
+0.72%
Close of 9 Nov 2026, in USD
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At a glance
Figures in USD, from our data supplier.
Revenue, before interest expense
$14.50bn
FY2016FY2025
Net income
$2.21bn
FY2016FY2025
Total assets
$229.70bn
FY2016FY2025
Shareholders' equity
$22.24bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $14.50bn | $14.94bn | $12.64bn | $5.10bn | $1.90bn | $1.92bn | $1.79bn | $1.59bn | $1.45bn | $1.34bn |
| Operating income | $2.97bn | $3.59bn | $12.08bn | $1.36bn | $701.0m | $618.0m | $592.0m | $503.6m | $543.7m | $351.1m |
| Net income | $2.21bn | $2.78bn | $11.47bn | $1.10bn | $547.0m | $492.0m | $457.4m | $400.3m | $323.8m | $225.5m |
| Diluted earnings per share | 178.44 | 199.38 | 788.58 | 75.17 | 55.72 | 50.12 | 42.71 | 34.03 | 26.96 | 18.77 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $229.70bn | $223.72bn | $213.76bn | $109.30bn | $58.31bn | $49.96bn | $39.82bn | $35.41bn | $34.53bn | $32.99bn |
| Cash and short-term investments | $20.83bn | $56.09bn | $54.45bn | $518.0m | $18.66bn | $4.71bn | $1.48bn | $5.68bn | $8.90bn | $9.42bn |
| Total liabilities | $207.46bn | $201.49bn | $192.50bn | $99.64bn | $1.19bn | $1.25bn | $883.9m | $31.92bn | $31.19bn | $29.98bn |
| Debt | $37.16bn | $38.07bn | $38.74bn | $7.64bn | $1.14bn | $1.23bn | $755.0m | $699.0m | $732.0m | $766.0m |
| Shareholders' equity | $22.24bn | $22.23bn | $21.25bn | $9.66bn | $57.11bn | $48.71bn | $38.94bn | $3.49bn | $3.33bn | $3.01bn |
| Shares outstanding | 12m | 14m | 15m | 15m | 10m | 10m | 11m | 12m | 12m | 12m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | $3.60bn | $3.48bn | $3.65bn | $3.69bn | $3.62bn | $3.52bn | $3.69bn | $3.78bn |
| Operating income | $891.0m | $705.0m | $811.0m | $751.0m | $758.0m | $651.0m | $736.0m | $873.0m |
| Net income | $672.0m | $534.0m | $580.0m | $568.0m | $575.0m | $483.0m | $700.0m | $639.0m |
| Diluted earnings per share | 58.25 | 46.29 | 46.91 | 45.94 | 46.51 | 39.07 | 50.26 | 45.88 |
| Total assets | $236.84bn | $235.96bn | $229.70bn | $233.49bn | $229.65bn | $228.82bn | $223.72bn | $220.57bn |
| Cash and short-term investments | $1.52bn | $24.62bn | $20.83bn | $38.90bn | $37.38bn | $35.06bn | $56.09bn | $54.69bn |
| Debt | $32.10bn | $33.89bn | $35.94bn | $38.61bn | $38.05bn | $38.37bn | $37.04bn | $37.15bn |
| Shareholders' equity | $21.90bn | $22.05bn | $22.24bn | $21.99bn | $22.30bn | $22.30bn | $22.23bn | $22.83bn |
Financial ratios
Data as of 25 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Operating margin | 20.5% | 24.0% | 95.6% | 26.7% | 36.9% | 32.3% |
| Net margin | 15.2% | 18.6% | 90.7% | 21.5% | 28.8% | 25.7% |
| Return on equity | 9.9% | 12.5% | 53.9% | 11.4% | 1.0% | 1.0% |
| Return on assets | 1.0% | 1.2% | 5.4% | 1.0% | 0.9% | 1.0% |
| Revenue growth | -3.0% | 18.2% | 148.0% | 168.4% | -0.9% | 7.0% |
| Earnings growth | -20.6% | -75.8% | 944.3% | 100.7% | 11.2% | 7.6% |
| Current ratio | 1.03x | 0.38x | 0.39x | 0.15x | 0.54x | 0.18x |
| Debt to equity | 1.62x | 1.67x | 1.77x | 0.87x | 0.03x | 0.03x |
| Equity ratio | 9.7% | 9.9% | 9.9% | 8.8% | 98.0% | 97.5% |
| Interest coverage | 0.60x | 0.69x | 3.28x | 2.92x | 11.49x | 6.44x |
| Buybacks as a share of market value | 11.2% | 4.2% | 0.5% | -48.8% | -0.0% | 8.3% |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 27.2% | 39.3% | 22.4% |
| Operating income | 29.7% | 36.9% | 24.5% |
| Net income | 26.2% | 35.0% | 26.5% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 22.3% | 42.4% | 41.8% | 40.4% |
| Net margin | 16.9% | 37.2% | 36.5% | 34.6% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 11.9 | 10.6 | 1.8 | 10.1 | 14.9 | 11.5 | 12.5 | 11.1 | 14.9 | 18.9 |
| Price to sales | 2.8 | 3.0 | 2.1 | 2.4 | 4.4 | 3.1 | 3.4 | 2.9 | 3.4 | 3.3 |
Market value over time
31 Oct 2016 to 24 Sept 2026, in USD
$3.50bn$23.73bn
Share price return
Finished calendar years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Return | 4% | 41% | 97% | -11% | 41% | 10% | 45% | -10% | 11% | 46% |
Dividends and splits
Per share, in the currency the company pays
Paid for 37 years. Last went ex-dividend on 30 Nov 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 8.55 | 7.95 | 6.87 | 3.89 | 2.16 | 1.88 | 1.67 | 1.60 |
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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