ES
MARKETS / NASDAQ / FCNCA
NASDAQ · STATE COMMERCIAL BANKS · LARGE CAP

First Citizens Bancshares Inc. /de/ FCNCA

18 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY3 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$9.5B
▼ 2.2% vs FY2024
Dividend streak
3 yrs
Raised every year since 2023
EPS · FY25
—
Dividend / sh · FY25
$7.95
Payout · FY25
7%
ROE · FY25
9.9%
Net margin · FY25
23.1%
Dividend coverage
20.8×
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Result
USD 9.5B
Revenue, FY2025 · full 18-year series below
Revenue Net income
51015209.52.22008201120142017202020232025
51015209.52.22016201920222025

23 cents of every revenue dollar became profit this year.

Per share
—
Diluted EPS, FY2025
EPS Dividend
487.952008201120142017202020232025
487.952016201920222025

Earnings covered the dividend 20.8 times — the rest stayed in the company.

Profitability
9.9%
Return on equity, FY2025
ROE
204060809.9%2008201120142017202020232025
204060809.9%2016201920222025
Operating margin31.1%
Net margin23.1%
Return on assets1.0%

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

Returned to shareholders
USD 3.2B
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 161.0M
Net buybacksUSD 3.0B
Share of profit144.5%
Consecutive raises3 years

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.

Growth
—
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+23.4%
Net income
+26.2%
+35.0%
+26.5%
+17.6%
EPS, diluted
+34.8%
Dividend / share
+54.4%
Returned to shareholders
+34.1%
+54.3%
+67.8%
+44.7%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
—
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—

A share split breaks the comparison across the period, so we leave it out.

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Balance sheet
USD 229.7B
total assets, end of FY2025
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.

History
18 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
Revenue $B
9.5
9.8
18.8
5.1
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Operating income $B
3.0
3.6
12.1
1.4
0.7
0.6
0.6
0.5
0.5
0.4
0.3
0.2
0.3
0.2
0.3
0.3
0.2
·
EBITDA $B
3.3
3.9
12.3
1.5
0.8
0.7
0.7
0.6
0.6
0.4
0.4
0.3
0.3
0.3
0.4
0.4
0.2
·
Income tax $B
0.8
0.8
0.6
0.3
0.2
0.1
0.1
0.1
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
·
Net income $B
2.2
2.8
11.5
1.1
0.5
0.5
0.5
0.4
0.3
0.2
0.2
0.1
0.2
0.1
0.2
0.2
0.1
0.1
EPS, diluted $
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Dividend / sh $
7.95
6.87
3.89
2.16
1.88
1.67
1.60
1.45
1.25
1.20
1.20
1.20
1.20
1.20
1.20
1.20
·
·
Payout %
7
6
1
8
8
6
4
4
4
6
9
8
5
12
6
6
11
13
ROE %
9.9
12.8
74.2
15.2
12.2
12.6
12.9
11.7
10.2
7.7
7.6
5.8
8.5
7.1
10.9
11.7
7.7
6.3
Shares out B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed