First Citizens BancShares, Inc.

First Citizens BancShares, Inc.

FCNCAยทNASDAQ

$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.

At a Glance

Live Snapshot
Market Cap$22.65B
EPS165.7600
P/E Ratio11.79
Earnings Date07/24/2026
3Y+5.0%
5Y+677.0%
10Y+1168.0%
3Y-7581.0%
5Y-43.0%
10Y+410.0%
3Y-200.0%
5Y-72.0%
10Y+206.0%
FCNCA

First Citizens BancShares, Inc. Cash Conversion Engine

FCNCA ยท NASDAQ
Net Income2.21B
Depreciation & Amortization405.00M
Stock-Based Compensation0.00
Change in Working Capital-112.00M
Others535.00M
Capital Expenditures-852.00M
Free Cash Flow2.07B

Cash Flow Quality Analysis

FCF Conversion Rate

93.9%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

29.1%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

+42.5%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$112.00M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

First Citizens BancShares, Inc. Cash Flow Statement

FCNCA โ€ข NASDAQ

First Citizens BancShares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
2.2B
2.8B
11.5B
1.1B
547M
492M
457.4M
400.3M
323.8M
225.5M
210.4M
138.6M
166.9M
132.4M
195M
193M
116.3M
91.1M
108.6M
126.5M
405M
130M
-57M
533M
143M
133M
127.7M
120.4M
113.6M
110.6M
110.6M
82.4M
73.2M
72.4M
65.2M
62.8M
59.7M
56M
49.8M
50.6M
-111M
6M
-165M
206M
-8M
-26M
54.6M
-13.4M
125.8M
33.1M
550K
-33.3M
47.9M
-34.4M
-16.6M
-41.4M
35.8M
-8.4M
1.6M
694K
0.0
0.0
5M
19M
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
535M
604M
-8.4B
191M
-238M
-73M
-11.8M
-70M
-135.1M
-60.6M
-112.3M
-48.8M
-103.4M
26.2M
-72.1M
-119.4M
33M
90M
34.7M
19.8M
(0.0)
(0.0)
(514M)
(0.0)
(870M)
(117M)
(83M)
(73.8M)
(88.6M)
(108.7M)
(136.9M)
(128M)
(102.9M)
(66.5M)
(91.5M)
(187.2M)
(20.6M)
(69.5M)
(0.0)
(0.0)
-112M
-529M
-173M
744M
-728M
-150M
-49.6M
16.4M
-72.9M
-78.1M
23.8M
43.4M
146.7M
4.7M
164.3M
-680K
-76.7M
-1.4M
-32.3M
18.6M
2.9B
3B
2.7B
2.8B
-284M
376M
578.2M
453.8M
355.3M
230.5M
233.1M
182.2M
331M
201.3M
335.7M
94.3M
168.1M
227.2M
162.4M
216.1M
INVESTING ACTIVITIES
-852M
-1.5B
-1.4B
-926M
-107M
-133M
-121.1M
-140.4M
-84.8M
-81.8M
-89.7M
-82.7M
-66M
-88.9M
-76.9M
-70.8M
-95.9M
-95.2M
-104.3M
-131.7M
(0.0)
(0.0)
(810M)
(134M)
(0.0)
-60M
-236.7M
-155.1M
(304.8M)
-727K
(100.9M)
(182.4M)
(0.0)
(0.0)
(1.2B)
(106.5M)
(51.4M)
(0.0)
(0.0)
-19.5M
-14.4B
-23.3B
-13.1B
-2.7B
-7.8B
-10.6B
-5B
-1.6B
-3.1B
-3.9B
-2.5B
-2.5B
-2.7B
-5.2B
-3.5B
-4.2B
-1.9B
-1.7B
-1.7B
-1.3B
16.8B
9.5B
3.1B
2.1B
4.7B
8B
5.1B
2.9B
3.2B
4B
2.4B
3.1B
2B
4B
4.2B
3B
1.7B
1.7B
1.8B
1.2B
-7.2B
5.2B
13B
1.5B
-4.3B
-7.1B
-1.3B
-984.4M
-1B
-1.1B
-1.2B
-726.2M
490.4M
1B
902.8M
1.1B
60.4M
-851.8M
-717.4M
-634.9M
-5.6B
-10.2B
(2.4B)
(75M)
-7.6B
-9.9B
-1.6B
(101.1M)
-668.7M
-1.1B
-1.2B
-17.7M
-225M
-244.3M
(2.7B)
-77.2M
-142.9M
-871.9M
-706.8M
-925.7M
FINANCING ACTIVITIES
-2.5B
-1.6B
0.0
-1.2B
0.0
-334M
-453.1M
-163.1M
0.0
0.0
0.0
0.0
-321K
-103.6M
-24.4M
0.0
0.0
0.0
0.0
0.0
-1.2B
-450M
-4.9B
505M
-106M
562M
99M
-874M
123.4M
107.6M
-53.8M
-79.6M
8.8M
-297.7M
-604.2M
-614.6M
-75.1M
-329.5M
153.5M
242.6M
-161M
-158M
-117M
-83M
-42M
-30M
-18.1M
-16.8M
-14.4M
-14.4M
-18M
-11.5M
-8.7M
-15.4M
-12.5M
-12.5M
-12.5M
-11.5M
-11.5M
-11.5M
-3B
-1.6B
(0.0)
-1.2B
(0.0)
-334M
-453.1M
-163.1M
(0.0)
(0.0)
(0.0)
(0.0)
-321K
-103.6M
-24.4M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
6.5B
9.3B
297M
-1.9B
8B
9B
1.4B
490.2M
870K
780.4M
1B
-2.8M
-212M
508.8M
-2.3B
590M
-50.7M
785.2M
185.2M
711.4M
2.7B
7.1B
-4.7B
-2.7B
7.8B
9.5B
1.1B
-563.6M
109.8M
875.5M
944.9M
-94M
-212.2M
92M
-2.9B
-37.2M
-138.3M
444.2M
327.2M
942.6M
CASH FLOW SUMMARY
-13M
-94M
390M
180M
-24M
-15M
49.3M
-8.7M
-203.6M
5.7M
-70.1M
70.6M
-106.1M
48.9M
130.6M
-20.1M
-113.1M
-200.4M
-217.2M
233.1M
814M
908M
518M
338M
362M
377M
327.4M
336.2M
539.7M
534.1M
604.2M
533.6M
639.7M
590.8M
460.2M
480.2M
593.4M
793.8M
1B
777.9M
801M
814M
908M
518M
338M
362M
376.7M
327.4M
336.2M
539.7M
534.1M
604.2M
533.6M
639.7M
590.8M
460.2M
480.2M
593.4M
793.8M
1B
2.1B
1.5B
1.2B
1.9B
-391M
243M
457.2M
313.3M
270.5M
148.7M
143.3M
99.5M
265M
112.4M
258.8M
23.5M
72.2M
132.1M
58.1M
83.6M

SEC Filings

FCNCA - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 04, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 23, 2026
May 04, 2026
2026
8-K

8-K 2026

N/A

March 03, 2026
March 03, 2026
2026
10-K

10-K 2025 FY

FY

February 24, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 05, 2026
February 03, 2026
2026
8-K

8-K 2026

N/A

January 23, 2026
January 23, 2026
2026
8-K

8-K 2026

N/A

January 14, 2026
January 12, 2026
2026
8-K

8-K 2025

N/A

November 18, 2025
November 13, 2025
2025
Showing 1 to 10 of 441 filings