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NASDAQ · STATE COMMERCIAL BANKS · LARGE CAP

First Citizens Bancshares Inc. FCNCA

18 fiscal years on record · USD · FY2025 reported · SEC filings only
3 YEARS OF DIVIDEND GROWTH
$9.5B
▼ 2.2% YoY
$2.2B
▼ 20.6% YoY
$2.2B
▼ 13.5% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

BancShares provides financial services for a wide range of consumer and commercial clients. At December 31, 2025, BancShares had total consolidated assets of $229.70 billion. As of December 31, 2025, its reportable segments included the General Bank, the Commercial Bank, and Rail. The General Bank segment delivers services to individuals and businesses through an extensive branch network and various digital channels, offering deposit products, loans, wealth management, private banking and other fee-based services. The Commercial Bank segment provides lending, leasing, capital markets and other financial and advisory services, primarily to small and middle-market companies across a variety of industries. The Rail segment provides equipment leasing and secured financing to railroads and shippers. First Citizens BancShares, Inc. was incorporated under the laws of Delaware on August 7, 1986, to become the holding company of First-Citizens Bank & Trust Company, its banking subsidiary.

Written from the business description in FIRST CITIZENS BANCSHARES INC /DE/'s annual report to the U.S. Securities and Exchange Commission, filed 24 February 2026. Every sentence was checked against that document before publication.

Growth

USD 9.5B
Revenue, FY2025 · full 18-year series below
Revenue $B Net income $B
FY2025 · Revenue 9.5 · Net income 2.2
10B20B
2008201120142017202020232025
Compound annual growth
+23.4%
+26.2%
+35.0%
+26.5%
+17.6%
+34.8%
+54.4%
+34.1%
+54.3%
+67.8%
+44.7%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

23 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 31.1% · Net 23.1%
20%40%60%
200820162025
ROE
FY2025 · ROE 9.9%
20%40%60%
200820162025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders

USD 3.2B
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2025 · FCF 2.2
1.0B2.0B-0.1B-0.3B
200820162025
Net buybacks $B Dividends $B
FY2025 · Dividends 0.2 · Net buybacks 3.0
2B3BDividendsNet buybacks
2008201120142017202020232025
Dividends paidUSD 161.0M
Net buybacksUSD 3.0B
Share of profit144.5%
Consecutive raises3 years (since the 2022 share-count change)

USD 161.0M in dividends and USD 3.0B in buybacks — 145% of the year's profit, so the payout drew on cash built up earlier.

Total assetsUSD 229.7B
EquityUSD 22.2B
CashUSD 801.0M
Gross debtUSD 36.0B
Net debtUSD 35.2B
DepositsUSD 161.6B

Net debt stands at 158% of equity.

The 18-year record

18 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
FCNCA, 18-year financial record
Metric 202520242023202220212020201920182017201620152014201320122011201020092008
Revenue $B9.59.818.85.1◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Operating income $B3.03.612.11.40.70.60.60.50.50.40.30.20.30.20.30.30.2◌
EBITDA $B3.33.912.31.50.80.70.70.60.60.40.40.30.30.30.40.40.2◌
Income tax $B0.80.80.60.30.20.10.10.10.20.10.10.10.10.10.10.10.1◌
Net income $B2.22.811.51.10.50.50.50.40.30.20.20.10.20.10.20.20.10.1
Free cash flow $B2.22.62.32.6−0.40.20.50.30.30.10.10.10.30.10.30.00.10.1
EPS, diluted $165.24189.41784.5167.4053.8847.50◌◌◌◌◌◌◌◌◌◌◌◌
Dividend / sh $7.956.873.892.161.881.671.601.451.251.201.201.201.201.201.201.20◌◌
Payout %761886444698512661113
ROE %9.912.874.215.212.212.612.911.710.27.77.65.88.57.110.911.77.76.3

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures · 1 divergence in 51 reconciliationsAUDITED

Reconciled in 17 of the 18 fiscal years we could check. 1 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. Four checks were skipped: EPS is not tagged before 2011. Two checks were skipped: the balance sheet is not tagged before 2009.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures1 divergent
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2007

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