FCNCANasdaqState Commercial BanksFiscal year ends December 31Also trades as FCNCB, FCNCN, FCNCO, FCNCP
FIRST CITIZENS BANCSHARES INC /DE/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$2096.87−26.87 (-1.27%)
Close on Oct 19, 2026
- Market cap
- $24.19B
- P/E (TTM)
- 11.2
- Dividend yield
- 0.38%
First Citizens Bancshares statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Market Cap | $23.68B | $679.86M |
| Enterprise Value | $54.35B | $418.07M |
| PE Ratio | 11.21 | 12.00 |
| PS Ratio | 2.46 | 3.62 |
| PB Ratio | 1.08 | 1.18 |
| P/TBV Ratio | 1.11 | 1.42 |
| P/FCF Ratio | 9.64 | 10.93 |
| P/OCF Ratio | 7.44 | 10.04 |
Enterprise value
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| EV / Sales | 5.65 | 2.78 |
| EV / FCF | 22.12 | 8.40 |
Income (trailing twelve months)
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Revenue | $9.62B | $170.85M |
| Pretax Income | $3.16B | $70.12M |
| Net Income | $2.35B | $54.33M |
| EPS (Diluted) | $187.04 | $2.90 |
Margins
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Pretax Margin | 32.8% | 36.4% |
| Profit Margin | 24.5% | 29.1% |
| FCF Margin | 25.6% | 33.0% |
Returns
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 10.7% | 10.5% |
| Return on Assets (ROA) | 1.01% | 1.12% |
Growth
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 0.94% | 11.8% |
| Net Income Growth (YoY) | -1.79% | 23.1% |
| EPS Growth (YoY) | 10.4% | 22.7% |
| FCF Growth (YoY) | -5.65% | 27.1% |
| Revenue Growth (3Y CAGR) | 23.4% | 5.82% |
| Revenue Growth (5Y CAGR) | 38.6% | 6.17% |
| EPS Growth (3Y CAGR) | 34.8% | 1.26% |
| EPS Growth (5Y CAGR) | 28.3% | 8.24% |
Balance sheet
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $1.52B | $205.54M |
| Total Debt | $32.19B | $177.19M |
| Net Cash (Debt) | -$30.67B | $164.40M |
| Net Cash Per Share | -$2715.72 | $8.13 |
| Equity (Book Value) | $21.90B | $560.44M |
| Book Value Per Share | $1939.23 | $28.47 |
| Tangible Book Value | $21.38B | $472.29M |
Financial position
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Debt / Equity | 1.47 | 0.20 |
| Debt / FCF | 13.10 | 1.81 |
Cash flow (trailing twelve months)
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Operating Cash Flow | $3.18B | $61.20M |
| Capital Expenditures | -$724.00M | -$4.02M |
| Free Cash Flow | $2.46B | $52.43M |
| FCF Per Share | $217.57 | $3.07 |
Efficiency
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $537.87K | $357.09K |
| Profits Per Employee | $131.69K | $107.23K |
| Employee Count | 17,876 | 528 |
Dividends and yields
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Earnings Yield | 9.94% | 8.07% |
| FCF Yield | 10.4% | 8.89% |
| Dividend Yield | 0.38% | 2.48% |
| Buyback Yield | 13.9% | 1.52% |
| Shareholder Yield | 14.3% | 3.13% |
| Dividend Per Share | $7.95 | $0.93 |
| Dividend Growth (YoY) | 15.7% | 4.26% |
| Years of Dividend Growth | 9 | 2 |
| Payout Ratio | 7.86% | 29.4% |
| FCF Payout Ratio | 7.53% | 26.0% |
Shares
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Shares Outstanding | 11,293,100 | 18,910,300 |
| Shares Change (YoY) | -11.7% | 0.39% |
| Float | 9,581,290 | 16,895,350 |
| Shares Held by Insiders | 15.2% | 5.92% |
| Shares Held by Institutions | 59.6% | 61.9% |
Taxes
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Income Tax | $804.00M | $14.50M |
| Effective Tax Rate | 25.5% | 21.1% |
Scores
| Measure | First Citizens Bancshares | Industry median |
|---|---|---|
| Graham Number | $2856.76 | $45.31 |
| Graham Upside | 36.2% | 21.6% |
| Altman Z-Score | 0.23 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from First Citizens Bancshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.