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Stocks · Financials · State Commercial Banks

FIRST CITIZENS BANCSHARES INC /DE/

FCNCA Clue Score60
United States Fiscal year ends December CIK 0000798941
$2,068.39 +0.12% Close, 9 Oct 2026
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Price $2,068.39 +144.06% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.23Fiscal year 2017Net income0.32 +43.6%Fiscal year 2018Net income0.40 +23.6%Fiscal year 2019Net income0.46 +14.3%Fiscal year 2020Net income0.49 +7.6%EPS, diluted47.50Fiscal year 2021Net income0.55 +11.2%EPS, diluted53.88Fiscal year 2022Revenue5.08Net income1.10 +100.7%EPS, diluted67.40Fiscal year 2023Revenue18.79 +269.7%Net income11.47 +944.3%EPS, diluted784.51Fiscal year 2024Revenue9.76 −48.1%Net income2.78 −75.8%EPS, diluted189.41Fiscal year 2025Revenue9.54 −2.2%Net income2.21 −20.6%EPS, diluted165.24
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a n/a n/a n/a 5.08 18.79 9.76 9.54
Growth +269.7% −48.1% −2.2%
Net income 0.23 0.32 0.40 0.46 0.49 0.55 1.10 11.47 2.78 2.21
Growth +43.6% +23.6% +14.3% +7.6% +11.2% +100.7% +944.3% −75.8% −20.6%
EPS, diluted n/a n/a n/a n/a 47.50 53.88 67.40 784.51 189.41 165.24

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Net margin21.6%Free cash flow margin51.9%Fiscal year 2023Net margin61.0%Free cash flow margin12.0%Fiscal year 2024Net margin28.5%Free cash flow margin26.2%Fiscal year 2025Net margin23.1%Free cash flow margin23.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a n/a n/a n/a 21.6% 61.0% 28.5% 23.1%
Free cash flow margin n/a n/a n/a n/a n/a n/a 51.9% 12.0% 26.2% 23.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.23Capital expenditure−0.08Free cash flow0.15Buybacks0.00Dividends paid−0.01Fiscal year 2017Operating cash flow0.36Capital expenditure−0.08Free cash flow0.27 +81.9%Buybacks0.00Dividends paid−0.01Fiscal year 2018Operating cash flow0.45Capital expenditure−0.14Free cash flow0.31 +15.8%Buybacks−0.16Dividends paid−0.02Fiscal year 2019Operating cash flow0.58Capital expenditure−0.12Free cash flow0.46 +45.9%Buybacks−0.45Dividends paid−0.02Fiscal year 2020Operating cash flow0.38Capital expenditure−0.13Free cash flow0.24 −46.8%Buybacks−0.33Dividends paid−0.03Fiscal year 2021Operating cash flow−0.28Capital expenditure−0.11Free cash flow−0.39 −260.9%Buybacks0.00Dividends paid−0.04Fiscal year 2022Operating cash flow2.79Capital expenditure−0.16Free cash flow2.64Buybacks−1.24Dividends paid−0.08Fiscal year 2023Operating cash flow2.66Capital expenditure−0.41Free cash flow2.26 −14.5%Buybacks0.00Dividends paid−0.12Fiscal year 2024Operating cash flow2.99Capital expenditure−0.43Free cash flow2.56 +13.5%Buybacks−1.65Dividends paid−0.16Fiscal year 2025Operating cash flow2.92Capital expenditure−0.71Free cash flow2.21 −13.5%Buybacks−3.03Dividends paid−0.16
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.23 0.36 0.45 0.58 0.38 −0.28 2.79 2.66 2.99 2.92
Capital expenditure −0.08 −0.08 −0.14 −0.12 −0.13 −0.11 −0.16 −0.41 −0.43 −0.71
Free cash flow 0.15 0.27 0.31 0.46 0.24 −0.39 2.64 2.26 2.56 2.21
Growth +81.9% +15.8% +45.9% −46.8% −260.9% −14.5% +13.5% −13.5%
Buybacks 0.00 0.00 −0.16 −0.45 −0.33 0.00 −1.24 0.00 −1.65 −3.03
Dividends paid −0.01 −0.01 −0.02 −0.02 −0.03 −0.04 −0.08 −0.12 −0.16 −0.16

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.54Total debt0.83Net cash (debt)−0.29Shareholders’ equity3.01Debt to equity0.28Fiscal year 2017Cash0.34Total debt0.87Net cash (debt)−0.53Shareholders’ equity3.33Debt to equity0.26Fiscal year 2018Cash0.33Total debt0.32Net cash (debt)0.01Shareholders’ equity3.49Debt to equity0.09Fiscal year 2019Cash0.38Total debt0.59Net cash (debt)−0.21Shareholders’ equity3.59Debt to equity0.16Fiscal year 2020Cash4.27Total debt1.25Net cash (debt)3.02Shareholders’ equity4.23Debt to equity0.30Fiscal year 2021Cash9.03Total debt1.20Net cash (debt)7.84Shareholders’ equity4.74Debt to equity0.25Fiscal year 2022Cash0.52Total debt4.46Net cash (debt)−3.94Shareholders’ equity9.66Debt to equity0.46Fiscal year 2023Cash0.91Total debt37.17Net cash (debt)−36.26Shareholders’ equity21.26Debt to equity1.75Fiscal year 2024Cash0.81Total debt36.68Net cash (debt)−35.87Shareholders’ equity22.23Debt to equity1.65Fiscal year 2025Cash0.80Total debt35.78Net cash (debt)−34.98Shareholders’ equity22.24Debt to equity1.61
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.54 0.34 0.33 0.38 4.27 9.03 0.52 0.91 0.81 0.80
Total debt 0.83 0.87 0.32 0.59 1.25 1.20 4.46 37.17 36.68 35.78
Net cash (debt) −0.29 −0.53 0.01 −0.21 3.02 7.84 −3.94 −36.26 −35.87 −34.98
Shareholders’ equity 3.01 3.33 3.49 3.59 4.23 4.74 9.66 21.26 22.23 22.24
Debt to equity 0.28 0.26 0.09 0.16 0.30 0.25 0.46 1.75 1.65 1.61

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a n/a 26.8% 64.3% 36.8% 31.1%
n/a n/a n/a n/a n/a n/a 21.6% 61.0% 28.5% 23.1%
n/a n/a n/a n/a n/a n/a 51.9% 12.0% 26.2% 23.2%
Spending
n/a n/a n/a n/a n/a n/a 3.0% 2.2% 4.4% 7.4%
35.8% 40.5% 20.5% 22.7% 20.4% 22.0% 19.4% 5.1% 22.7% 25.7%
Returns
7.5% 9.7% 11.5% 12.8% 11.6% 11.5% 11.4% 53.9% 12.5% 9.9%
0.7% 0.9% 1.1% 1.1% 1.0% 0.9% 1.0% 5.4% 1.2% 1.0%
Balance and payout
0.28 0.26 0.09 0.16 0.30 0.25 0.46 1.75 1.65 1.61
90.9% 90.3% 90.1% 91.0% 91.5% 91.9% 91.2% 90.1% 90.1% 90.3%
6.4% 4.5% 4.2% 4.0% 6.2% 7.6% 7.6% 1.0% 5.7% 7.3%
9.7% 5.3% 57.4% 103.1% 150.0% n/a 50.2% 5.2% 70.6% 144.1%