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First Citizens BancShares, Inc. (FCNCA)
Financial Services · Banks - Regional · NasdaqGS
First Citizens BancShares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $4.53B | $8.75B | $9.50B | $9.25B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $225.48M | $323.75M | $400.31M | $457.37M | $492.00M | $547.00M | $1.10B | $11.47B | $2.78B | $2.21B |
| Net margin | — | — | — | — | — | — | 24.3% | 131.0% | 29.2% | 23.8% |
Source: First Citizens BancShares, Inc. SEC filings (10-K). 18 years of history available in the interactive view.
What growth is priced into FCNCA stock?
At today's market cap of $24.34B, First Citizens BancShares, Inc. is priced for free-cash-flow growth of about 6.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $1.36B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 41.1%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 18 years of First Citizens BancShares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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First Citizens BancShares, Inc. financial history by metric
About First Citizens BancShares, Inc.
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 in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.
First Citizens BancShares, Inc. — frequently asked questions
What is First Citizens BancShares, Inc.'s revenue?
First Citizens BancShares, Inc. (FCNCA) reported revenue of $9.25B for fiscal year 2025, down 2.6% from the prior year, according to its SEC filings.
Is First Citizens BancShares, Inc. profitable?
Yes. FCNCA earned net income of $2.21B in fiscal 2025, a net margin of 23.8%.
What is FCNCA's P/E ratio?
First Citizens BancShares, Inc. trades at a price-to-earnings ratio of about 12.1 based on the latest data in our nightly-refreshed cache.
How much debt does First Citizens BancShares, Inc. have?
As of fiscal year 2025, FCNCA carried roughly $35.94B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is First Citizens BancShares, Inc.'s market cap?
First Citizens BancShares, Inc. (FCNCA) has a market capitalization of about $24.34B, based on the latest data in our nightly-refreshed cache.
When does First Citizens BancShares, Inc.'s fiscal year end?
FCNCA's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into FCNCA stock?
At today's market cap of $24.34B, First Citizens BancShares, Inc. is priced for free-cash-flow growth of about 6.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $1.36B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 41.1%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from First Citizens BancShares, Inc.'s official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.