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First Citizens BancShares

FCNCA Nasdaq Regional Banks Financials FY2016–FY2025

First Citizens BancShares' revenue fell 2.2% to $9.5 billion in fiscal 2025. Net income was $2.2 billion, down 20.6%. Its return on equity was 9.9%, down from 12.8% a year earlier. Its efficiency ratio was 63.5%, up from 58.8% a year earlier. It paid out $3.2 billion in dividends and buybacks. The diluted share count fell 9.3%.

Last close · Oct 23, 2026

$2,375.84

8.2%
Value it Compare
Revenue Total sales reported in the income statement.
$9.5B
2.2% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
63.5%
4.7 pts
Net income Profit after all expenses, interest and tax.
$2.2B
20.6%
Return on equity Net income as a share of average shareholders' equity.
9.9%
2.8 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$30.9B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.7x
On $186.77 EPS (TTM)

What First Citizens BancShares does

No business description yet.

Legal name
FIRST CITIZENS BANCSHARES INC /DE/
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0000798941-26-000015
0000798941

Revenue and margins

First Citizens BancShares had $9.5B of revenue in fiscal 2025, down 2.2% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

First Citizens BancShares returned $3.2B to shareholders in fiscal 2025. The diluted share count fell 9.3%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value First Citizens BancShares yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 12.7x · peers 13.1x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $32.2B$69.9B$131.6B$138.5B$146.4B
Deposits $51.4B$89.4B$145.9B$155.2B$161.6B
Loans / deposits 62.6%78.1%90.2%89.3%90.6%
Total assets $58.3B$109.3B$213.8B$223.7B$229.7B
Shareholders' equity $4.7B$9.7B$21.3B$22.2B$22.2B
Goodwill $346M$346M$346M$346M$346M
Intangible assets $19.0M$140M$312M$249M$195M
Provision / loans −0.1%1.3%1.4%0.3%0.4%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$12.8M

2 insiders

Sold, 12 months

$15.6M

3 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Sep 15, 2026 Holding Olivia Britton10% owner Sold 7,000 $19.53 $0.1M Form 4
Aug 19, 2026 Diane E. MoraisDirector Bought 50 $2,168.10 $0.1M Form 4
Jun 5, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 528 $1,813.37 $1.0M Form 4
Jun 5, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 335 $1,920.80 $0.6M Form 4
Jun 5, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 137 $2,018.73 $0.3M Form 4
Jun 4, 2026 Ellen R AlemanyDirector Sold 2,520 $2,047.12 $5.2M Form 4
Jun 4, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 225 $1,751.95 $0.4M Form 4
Jun 4, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 25 $1,794.99 $0.0M Form 4
May 12, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 5,940 $1,726.82 $10.3M Form 4
May 12, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Sold 5,346 $1,918.69 $10.3M Form 4
Mar 19, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 96 $1,550.00 $0.1M Form 4
Mar 17, 2026 Holding Frank B JrChairman and CEO, Director, 10% owner Bought 2 $1,550.00 $0.0M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
First Citizens BancShares FCNCA $30.9B −2.2% — — — 12.7x —
M&T Bank MTB $35.2B 4.4% — — — 11.7x — Compare →
Fifth Third Bancorp FITB $35.6B 6.4% — — — 18.1x — Compare →
Citizens Financial Group CFG $28.5B 5.6% — — — 14.2x — Compare →
Huntington Bancshares HBAN $23.7B 10.6% — — — 12.1x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $1.3B $1.6B $1.6B $1.7B $1.9B $1.9B $5.1B $18.8B $9.8B $9.5B
Net interest income $945M $1.1B $1.2B $1.3B $1.4B $1.4B $2.9B $6.7B $7.1B $6.8B
Noninterest income $377M $522M $400M $416M $477M $508M $2.1B $12.1B $2.6B $2.7B
Noninterest expense $938M $1.0B $1.1B $1.1B $1.2B $1.2B $3.1B $5.3B $5.7B $6.1B
Provision for credit losses $32.9M $25.7M $28.5M $31.4M $58.0M −$37.0M $645M $1.4B $431M $514M
Pretax income $351M $544M $504M $592M $618M $701M $1.4B $12.1B $3.6B $3.0B
Income tax $126M $220M $103M $135M $126M $154M $264M $611M $815M $765M
Net income $226M $324M $400M $457M $492M $547M $1.1B $11.5B $2.8B $2.2B
Net income to common $226M $324M $400M $457M $478M $529M $1.0B $11.4B $2.7B $2.1B
Diluted EPS — — — — $47.50 $53.88 $67.40 $784.51 $189.41 $165.24
Diluted shares 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B 0.02B 0.01B 0.01B 0.01B
Cash flow
Stock-based compensation — — — — $0.0M $0.0M $19.0M $5.0M $0.0M $0.0M
Share buybacks $0.0M $0.0M $163M $453M $334M $0.0M $1.2B $0.0M $1.6B $3.0B
Dividends paid $14.4M $14.4M $16.8M $18.1M $30.4M $41.6M $83.0M $117M $158M $161M
Dividends and buybacks $14.4M $14.4M $180M $471M $364M $41.6M $1.3B $117M $1.8B $3.2B
Balance sheet
Loans, net $21.5B $23.4B $25.3B $28.7B $32.6B $32.2B $69.9B $131.6B $138.5B $146.4B
Deposits $28.2B $29.3B $30.7B $34.4B $43.4B $51.4B $89.4B $145.9B $155.2B $161.6B
Goodwill $151M $151M $236M $349M $350M $346M $346M $346M $346M $346M
Intangible assets $78.0M $73.1M $72.3M $68.3M $50.8M $19.0M $140M $312M $249M $195M
Total assets $33.0B $34.5B $35.4B $39.8B $50.0B $58.3B $109.3B $213.8B $223.7B $229.7B
Preferred stock $0.0M $0.0M $0.0M $0.0M $340M $340M $881M $881M $881M $1.4B
Shareholders' equity $3.0B $3.3B $3.5B $3.6B $4.2B $4.7B $9.7B $21.3B $22.2B $22.2B
Margins
Net margin 17.1% 20.5% 24.9% 26.5% 26.4% 28.8% 21.6% 61.0% 28.5% 23.1%
Net interest share of revenue 71.5% 67.0% 75.1% 75.9% 74.4% 73.2% 58.0% 35.7% 73.2% 71.4%
Efficiency ratio 71.0% 64.0% 66.9% 63.9% 63.8% 65.0% 60.5% 28.4% 58.8% 63.5%
Returns
Return on equity 7.7% 10.2% 11.7% 12.9% 12.6% 12.2% 15.3% 74.2% 12.8% 9.9%
Return on assets 0.7% 1.0% 1.1% 1.2% 1.1% 1.0% 1.3% 7.1% 1.3% 1.0%
Return on tangible equity 8.3% 11.0% 12.7% 14.4% 14.4% 14.1% 17.0% 81.5% 13.4% 10.5%
Growth
Revenue growth −5.0% 19.7% 1.7% 7.3% 8.0% 1.8% 167.8% 269.7% −48.1% −2.2%
Net income growth 7.2% 43.6% 23.7% 14.3% 7.6% 11.2% 100.7% 944.3% −75.8% −20.6%
EPS growth — — — — — 13.4% 25.1% 1,064.0% −75.9% −12.8%
Share count change 0.0% 0.0% −0.6% −6.7% −9.7% −2.4% 58.4% −6.5% −1.4% −9.3%
Financial health
Loans / deposits 76.4% 79.9% 82.5% 83.2% 75.0% 62.6% 78.1% 90.2% 89.3% 90.6%
Provision / loans 0.2% 0.1% 0.1% 0.1% 0.2% −0.1% 1.3% 1.4% 0.3% 0.4%
Capital allocation
Stock comp / revenue — — — — 0.0% 0.0% 0.4% 0.0% 0.0% 0.0%

Source: SEC EDGAR XBRL filings (CIK 0000798941). Data updated October 12, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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