FCNCA - NASDAQ

First Citizens BancShares, Inc.

FCNCA·NASDAQ

$1.96K

-2.1%

Financial ServicesBanks - Regional

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$22.65B

EPS165.7600

P/E Ratio11.79

Earnings Date07/24/2026

229.70B

Assets

3Y+110.0%

5Y+360.0%

10Y+596.0%

207.46B

Total Liabilities

3Y+108.0%

5Y+354.0%

10Y+592.0%

22.24B

Total Equity

3Y+130.0%

5Y+426.0%

10Y+638.0%

First Citizens BancShares, Inc. Funding & Solvency Profile

FCNCA · NASDAQ

Current Assets

Cash & Cash Equivalents20.60B

Net Receivables146.36B

Inventory0.00

Other Current Assets804.00M

Total Current Assets168 B

Non-Current Assets

Property, Plant & Equipment12.07B

Goodwill & Intangible Assets541.00M

Long-Term Investments41.56B

Other Non-Current Assets7.52B

Total Non-Current Assets61 B

Total Assets

229.70B

Financial Health Analysis

Current Ratio

1.03x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

9.33x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

5 B

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

73% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

First Citizens BancShares, Inc. Balance Sheet

FCNCA • NASDAQ

First Citizens BancShares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	20.6B	22.2B	34.5B	5.5B	9.5B	362M	376.7M	327.4M	336.2M	539.7M	534.1M	604.2M	533.6M	639.7M	590.8M	460.2M	1.2B	768M	793.8M	1B
Short-Term Investments	232M	33.9B	19.9B	9B	9.2B	11.4B	8.2B	5.4B	8.6B	8.9B	8.9B	8.9B	6.2B	5.7B	4.5B	398.4M	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	20.8B	56.1B	54.5B	14.5B	18.7B	11.7B	8.5B	5.7B	8.9B	9.4B	9.5B	9.5B	6.8B	6.3B	5.1B	858.6M	1.2B	768M	793.8M	1B
Net Receivables	146.4B	3.5B	3.2B	2.9B	1.2B	212.2M	123.2M	109.9M	95.2M	79.8M	70M	57.3M	48.4M	47.7M	42.2M	706.9M	249.8M	0.0	0.0	0.0
Accounts Receivables	146.4B	902M	832M	329M	134M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	623.3M	249.8M	0.0	0.0	0.0
Other Receivables	0.0	2.6B	2.4B	2.5B	1.1B	212.2M	123.2M	109.9M	95.2M	79.8M	70M	57.3M	48.4M	47.7M	42.2M	83.6M	0.0	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	37.7M	40.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	804M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	168B	59.6B	57.7B	17.4B	19.9B	12B	8.7B	5.8B	9B	9.5B	9.5B	9.6B	6.8B	6.4B	5.1B	1.6B	1.5B	768M	793.8M	1B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	12.1B	11.6B	11B	10B	1.3B	1.3B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	876.5M	882.8M	854.5M	842.7M	837.1M	798.9M	757.7M	702.9M
Goodwill	346M	346M	346M	346M	346M	350.3M	349.4M	236.3M	150.6M	150.6M	139.8M	139.8M	102.6M	102.6M	102.6M	102.6M	102.6M	102.6M	0.0	0.0
Intangible Assets	195M	276M	337M	165M	42M	50.8M	68.3M	72.3M	73.1M	78M	91M	106.6M	1.3M	3.6M	7M	9.9M	6.4M	3.8M	0.0	0.0
Goodwill & Intangible Assets	541M	622M	683M	511M	388M	401.1M	417.7M	308.6M	223.7M	228.6M	230.8M	246.4M	103.9M	106.2M	109.7M	112.5M	109M	106.4M	108.5M	110.6M
Long-Term Investments	41.6B	150.3B	142.4B	79.1B	36.3B	35.8B	28.8B	27.8B	23.6B	21.6B	20.1B	18.6B	12.9B	13.2B	13.8B	17.9B	15.6B	14.8B	14.2B	13.5B
Other Non-Current Assets	7.5B	1.6B	1.5B	2.3B	446.3M	496M	657.5M	481.6M	739.7M	536.8M	487M	516.2M	435.9M	783.9M	1.1B	424.1M	420.8M	285.4M	488.4M	576.6M
Total Non-Current Assets	61.7B	164.1B	155.6B	91.9B	38.4B	38B	31.2B	29.6B	25.5B	23.5B	21.9B	20.5B	14.4B	14.9B	15.9B	19.2B	17B	16B	15.4B	14.7B
Total Assets	229.7B	223.7B	213.8B	109.3B	58.3B	50B	39.8B	35.4B	34.5B	33B	31.5B	30.1B	21.2B	21.3B	21B	20.8B	18.5B	16.7B	16.2B	15.7B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	134M	137M	57M	8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accounts Payable	0.0	134M	137M	57M	8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	397M	275M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	224M	367M	485M	2.2B	589M	641.5M	443M	572.3M	678.8M	603.5M	594.7M	787.2M	511.4M	568.5M	615.2M	546.6M	642.4M	647M	1.3B	1.2B
Tax Payables	0.0	0.0	0.0	1.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	162.7B	155.2B	145.9B	89.4B	51.4B	43.4B	34.4B	30.7B	29.3B	28.2B	26.9B	25.7B	17.9B	18.1B	17.6B	17.6B	15.3B	13.7B	12.9B	12.7B
Total Current Liabilities	163B	155.7B	146.9B	91.9B	52B	44.1B	34.9B	31.2B	29.9B	28.8B	27.5B	26.5B	18.4B	18.7B	18.2B	18.2B	16B	14.4B	14.2B	13.9B
NON-CURRENT LIABILITIES
Long Term Debt	35.8B	36.7B	37.2B	4.5B	1.2B	1.2B	883.9M	348.2M	877.4M	827.2M	694.9M	548.1M	504.3M	434.9M	681.9M	809.9M	797.4M	733.1M	404.4M	401.2M
Deferred Tax Liabilities (Non-Current)	0.0	3.5B	3.6B	286M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	8.7B	5.2B	4.5B	2.6B	381M	407.2M	480.2M	313.6M	363.1M	380.6M	374.2M	370.4M	226.2M	320.2M	256.1M	81.9M	129.6M	208.4M	132.7M	123.5M
Total Non-Current Liabilities	44.5B	45.8B	45.6B	7.7B	1.6B	1.7B	1.4B	674.9M	1.2B	1.2B	1.1B	921.7M	736.9M	765.1M	943.7M	891.8M	927M	941.5M	537.1M	524.7M
Capital Lease Obligations	0.0	372M	404M	359M	4M	6.3M	68.6M	13.2M	7.8M	5.7M	9.2M	3.2M	6.5M	10M	5.7M	0.0	0.0	0.0	0.0	0.0
Total Liabilities	207.5B	201.5B	192.5B	99.6B	53.6B	45.7B	36.2B	31.9B	31.2B	30B	28.6B	27.4B	19.1B	19.4B	19.1B	19.1B	16.9B	15.3B	14.8B	14.4B
SHAREHOLDERS' EQUITY
Preferred Stock	1.4B	881M	881M	881M	340M	339.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	12M	14M	15M	15M	10M	9.8M	10.6M	11.6M	12M	12M	12M	12M	9.6M	9.6M	10.3M	10.4M	10.4M	10.4M	10.4M	10.4M
Additional Paid-In Capital	0.0	2.4B	4.1B	4.1B	0.0	0.0	44.1M	494M	658.9M	658.9M	658.9M	658.9M	143.8M	143.8M	143.8M	143.8M	143.8M	143.8M	143.8M	143.8M
Retained Earnings	20.8B	19.4B	16.7B	5.4B	4.4B	3.9B	3.7B	3.2B	2.8B	2.5B	2.3B	2.1B	1.9B	1.8B	1.8B	1.6B	1.4B	1.3B	1.2B	1.1B
Accumulated Other Comprehensive Income/Loss	83M	-445M	-491M	-735M	10M	12.3M	-126.7M	-235.2M	-122.3M	-135.2M	-64.4M	-53M	-25.3M	-82.1M	-66.6M	-36.5M	-24.9M	-36.9M	40.5M	8.2M
Total Stockholders' Equity	22.2B	22.2B	21.3B	9.7B	4.7B	4.2B	3.6B	3.5B	3.3B	3B	2.9B	2.7B	2.1B	1.9B	1.9B	1.7B	1.6B	1.4B	1.4B	1.3B
Total Equity	22.2B	22.2B	21.3B	9.7B	4.7B	4.2B	3.6B	3.5B	3.3B	3B	2.9B	2.7B	2.1B	1.9B	1.9B	1.7B	1.6B	1.4B	1.4B	1.3B
SUMMARY
Total Liabilities & Equity	229.7B	223.7B	213.8B	109.3B	58.3B	50B	39.8B	35.4B	34.5B	33B	31.5B	30.1B	21.2B	21.3B	21B	20.8B	18.5B	16.7B	16.2B	15.7B
Total Investments	41.8B	184B	162.4B	88.1B	45.5B	47.4B	37B	33.2B	32.2B	30.5B	29B	27.5B	19.2B	18.8B	18.3B	18.3B	15.6B	14.8B	14.1B	13.3B
Total Debt	36B	37.4B	38.1B	7B	1.8B	1.9B	1.3B	933.7M	1.6B	1.4B	1.3B	1.3B	1B	1B	1.3B	1.4B	1.4B	1.4B	1.7B	1.6B
Net Debt	15.4B	15.2B	3.5B	1.5B	-7.7B	1.5B	950.2M	606.2M	1.2B	896.7M	764.8M	734.3M	488.6M	373.7M	712M	896.4M	236.3M	612.2M	915.9M	541.1M
Shares Outstanding	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554	12,435,554

SEC Filings

FCNCA - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 23, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 03, 2026	March 03, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 24, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 05, 2026	February 03, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 14, 2026	January 12, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 18, 2025	November 13, 2025	2025	View Filing

Showing 1 to 10 of 441 filings

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