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+184.0%
5Y+657.0%
10Y+982.0%
3Y+101.0%
5Y+348.0%
10Y+878.0%
3Y+5.0%
5Y+677.0%
10Y+1168.0%
First Citizens BancShares, Inc.

First Citizens BancShares, Inc. Profit Bridge

FCNCA ยท NASDAQ
Revenue14.50B
Cost of Goods Sold (5.59B)
Gross Profit8.91B
Operating Expenses (5.94B)
Operating Income2.97B
Interest Expense (4.96B)
Other Income/Expense0.00
Pretax Income2.97B
Income Tax (765.00M)
Net Income2.21B
Net Income
2.21B

Profitability Analysis

Gross Margin

61.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

20.5%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

15.2%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

25.7%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Citizens BancShares, Inc. Income Statement

FCNCA โ€ข NASDAQ

First Citizens BancShares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
14.5B
14.9B
12.6B
5.1B
1.9B
1.9B
1.8B
1.6B
1.5B
1.3B
1.3B
1B
1.1B
1.2B
1.3B
1.2B
1B
1.1B
1.2B
1.1B
GROSS PROFIT
(5.6B)
(5.6B)
(5.1B)
(1.1B)
(24M)
(154M)
(124.1M)
(65.3M)
(69.5M)
(76M)
(65M)
(51M)
(24.4M)
(233M)
(376.5M)
(338.6M)
(307M)
(380.9M)
(457.3M)
(374.7M)
8.9B
9.3B
7.6B
4B
1.9B
1.8B
1.7B
1.5B
1.4B
1.3B
1.2B
994.9M
1B
964.1M
952.6M
900.9M
730.2M
746M
742.2M
727M
OPERATING INCOME
(5.9B)
(5.7B)
-4.5B
(2.6B)
(1.2B)
(1.1B)
(1.1B)
(1B)
(839.6M)
(913M)
(908.2M)
(791.3M)
(771.4M)
(766.9M)
(642.5M)
(597.4M)
(547.1M)
(606.4M)
(574.7M)
(531.1M)
(4.2B)
(3.5B)
(3.1B)
(1.7B)
(783M)
(745M)
(703.1M)
(686.9M)
(642.2M)
(559.1M)
(561.4M)
(442.2M)
(409.6M)
(396.6M)
(397.1M)
(385.8M)
(446.5M)
(323.3M)
(304.1M)
(286.1M)
3B
3.6B
12.1B
1.4B
701M
618M
592M
503.6M
543.7M
351.1M
332.4M
203.6M
268.4M
197.1M
310.1M
303.6M
183.1M
139.6M
167.6M
195.9M
PRE-TAX INCOME
(5B)
(5.2B)
(3.7B)
(467M)
(61M)
(96M)
(92.6M)
(36.9M)
(43.8M)
(43.1M)
(44.3M)
(50.4M)
(56.6M)
(90.1M)
(144.2M)
(195.1M)
(227.6M)
(314.9M)
(423.7M)
(353.7M)
6.8B
7.1B
6.7B
2.9B
1.4B
1.4B
1.3B
1.2B
1.1B
944.7M
924.9M
710.1M
740.2M
914.7M
871M
774.2M
510.5M
498.4M
480.3M
476.6M
(1.7B)
(2.2B)
-7.6B
(941M)
(391M)
(399M)
(371.1M)
(333.5M)
(197.4M)
(353.9M)
(346.8M)
(349.1M)
(361.8M)
(370.4M)
(245.4M)
(211.6M)
(100.6M)
(283.1M)
(270.6M)
(244.9M)
3B
3.6B
12.1B
1.4B
701M
618M
592M
503.6M
543.7M
351.1M
332.4M
203.6M
268.4M
197.1M
310.1M
303.6M
183.1M
139.6M
167.6M
195.9M
NET INCOME
(765M)
(815M)
(611M)
(264M)
(154M)
(126M)
(134.7M)
(103.3M)
(219.9M)
(125.6M)
(122M)
(65M)
(101.6M)
(64.7M)
(115.1M)
(110.5M)
(66.8M)
(48.5M)
(58.9M)
(69.5M)
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

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