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Friday 6 November 2026
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First Citizens BancShares, Inc.
FCNCA Financial Banks Regional
First Citizens BancShares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $14.5 billion, down 3.09% from fiscal 2024.
- Revenue
- +0.05%
- EPS
- +18.9%
- Free cash flow
- +31.1%
- Total debt
- −36.3%
Quarter to September 2026, against a year earlier
2,277.71
27.01
−1.17%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.90 | 15.01 | 11.24 | 12.96 | 12.01 | 15.40 | 11.13 | 1.83 | 11.15 | 12.95 |
Piotroski F-Score |
6 | 9 | 8 | 7 | 5 | 3 | 6 | 6 | 5 | 6 |
P/S ratio |
3.12 | 2.99 | 2.73 | 3.26 | 2.95 | 4.16 | 2.10 | 0.93 | 2.02 | 1.92 |
P/FCF ratio |
23.22 | 15.46 | 13.12 | 12.27 | 21.23 | 0.00 | 4.33 | 9.19 | 11.76 | 12.45 |
P/Operating CF |
587.65 | 94.97 | 36.39 | 33.11 | 36.15 | 64.14 | 11.07 | 23.20 | 27.08 | 26.58 |
P/B ratio |
1.42 | 1.46 | 1.29 | 1.65 | 1.48 | 1.85 | 1.33 | 1.03 | 1.42 | 1.34 |
Price to Tangible BV |
1.53 | 1.56 | 1.42 | 1.87 | 1.66 | 2.02 | 1.41 | 1.06 | 1.46 | 1.37 |
EV/Sales |
1.97 | 2.46 | 2.17 | 2.76 | 0.88 | (0.06) | 1.91 | 1.03 | 2.98 | 2.95 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
11.64 | 11.27 | 7.87 | 8.68 | 4.58 | 0.39 | 3.79 | 8.68 | 14.94 | 14.66 |
EV/FCF |
14.62 | 12.74 | 10.40 | 10.38 | 6.33 | 0.32 | 3.93 | 10.15 | 17.32 | 19.11 |
Quick Ratio |
0.08 | 0.06 | 0.04 | 0.04 | 0.11 | 0.18 | 0.06 | 0.24 | 0.14 | 0.13 |
Current Ratio |
0.83 | 0.84 | 0.84 | 0.86 | 0.84 | 0.80 | 0.82 | 1.14 | 1.03 | 1.03 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.52% | 2.52% | 0.55% | 1.44% | 1.31% | 2.05% | 4.08% | 17.39% | 16.40% | 15.58% |
Debt/Equity |
0.28 | 0.26 | 0.06 | 0.16 | 0.15 | 0.25 | 0.46 | 1.75 | 1.65 | 1.61 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.07 | 0.14 | 0.07 | 0.06 |
Operating CF/Net income |
1.02 | 1.10 | 1.13 | 1.26 | 0.79 | (0.54) | 2.66 | 0.23 | 1.10 | 1.36 |
Capex/Depreciation |
0.47 | (0.56) | (1.25) | (0.95) | (0.78) | (0.45) | (0.18) | 6.77 | (3.15) | (1.68) |
| 7.66% | 10.20% | 11.73% | 12.93% | 12.79% | 12.77% | 15.90% | 78.25% | 13.02% | 10.18% | |
| 0.70% | 0.96% | 1.14% | 1.22% | 1.06% | 0.98% | 1.25% | 7.06% | 1.24% | 0.95% | |
ROIC |
16.37% | 14.57% | 13.20% | 14.93% | 242.78% | 0.00% | 12.36% | 34.01% | 6.89% | 5.68% |
Return on Tangible Assets |
(6.22%) | (8.82%) | (10.83%) | (12.25%) | (7.95%) | (5.80%) | (7.11%) | 51.66% | 37.25% | 27.40% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
69.34% | 61.73% | 64.95% | 59.81% | 59.66% | 55.95% | 54.39% | 24.96% | 35.20% | 39.36% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 0.02% | 0.00% | 0.00% |
Graham Net Nets |
(1.40) | (1.24) | (1.21) | (1.02) | (1.44) | (1.46) | (2.08) | (1.24) | (1.34) | (1.44) |
Graham Number |
325.56 | 410.29 | 469.63 | 545.26 | 645.06 | 736.98 | 926.83 | 4,977.55 | 2,518.79 | 2,445.98 |
Earnings Yield |
5.29% | 6.66% | 8.90% | 7.71% | 8.33% | 6.49% | 8.99% | 54.57% | 8.97% | 7.72% |
Free Cash Flow Yield |
4.31% | 6.47% | 7.62% | 8.15% | 4.71% | (4.28%) | 23.11% | 10.88% | 8.51% | 8.03% |
Revenue per Share |
113.64 | 135.36 | 137.87 | 163.35 | 194.99 | 199.56 | 357.26 | 1,546.40 | 1,043.66 | 1,115.55 |
Operating CF per Share |
19.19 | 29.58 | 38.01 | 51.90 | 37.39 | (28.93) | 179.69 | 183.10 | 208.34 | 224.80 |
Capex per Share |
2.56 | (3.42) | (9.26) | (8.53) | (10.34) | (6.62) | (6.05) | (26.57) | (28.59) | (52.37) |
Free Cash Flow per Share |
21.75 | 26.16 | 28.75 | 43.37 | 27.05 | (35.55) | 173.64 | 156.53 | 179.75 | 172.43 |
Cash per Share |
200.86 | 143.55 | 94.22 | 133.25 | 468.27 | 962.98 | 356.88 | 2,408.47 | 1,557.39 | 1,602.31 |
Shareholders Equity per Share |
250.83 | 277.61 | 292.26 | 321.89 | 420.53 | 482.66 | 622.07 | 1,463.05 | 1,549.86 | 1,710.29 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
250.83 | 277.61 | 292.26 | 321.89 | 420.53 | 482.66 | 622.07 | 1,463.05 | 1,549.86 | 1,710.29 |
Free Cash Flow |
261.27 | 314.23 | 343.17 | 483.22 | 272.00 | (349.00) | 2,697.00 | 2,274.00 | 2,578.00 | 2,242.00 |
Working Capital |
(4,759.01) | (4,809.89) | (4,901.14) | (4,977.13) | (7,264.21) | (10,348.00) | (16,192.00) | 20,206.00 | 5,285.00 | 5,396.00 |
Capital Expenditures |
30.77 | (41.03) | (110.59) | (95.03) | (104.00) | (65.00) | (94.00) | (386.00) | (410.00) | (681.00) |
Net Current Asset Value |
(5,972.59) | (6,043.26) | (5,449.76) | (6,029.52) | (8,326.53) | (11,924.00) | (24,234.00) | (25,958.00) | (40,611.00) | (40,262.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
(0.02) | 0.03 | 0.07 | 0.05 | 0.05 | 0.03 | 0.02 | 0.02 | 0.03 | 0.05 |
Price to Operating Income |
11.36 | 8.40 | 8.33 | 9.28 | 8.31 | 10.31 | 6.88 | 1.64 | 7.52 | 8.26 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | 0.06 | 0.07 | 0.08 | 0.11 | 0.12 | 0.37 | (0.03) | 0.06 | 0.17 |
Cash ROIC |
4.18% | 5.30% | 7.14% | 8.56% | 2.84% | (2.27%) | 13.72% | 2.43% | 3.17% | 2.84% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.03 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
238,588.95 | 243,919.08 | 303,753.64 | 135,655.52 | 165,130.60 | 307,593.28 | 69,879.91 | 14,470.43 | 10,874.97 | 11,880.74 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
27,546.05 | 28,713.81 | 29,969.37 | 32,551.85 | 38,931.42 | 47,418.81 | 70,407.00 | 117,631.00 | 150,541.50 | 158,403.50 |
Average Assets |
32,233.39 | 33,759.18 | 34,968.07 | 37,616.57 | 44,891.09 | 54,133.34 | 83,803.50 | 161,528.00 | 218,739.00 | 226,709.00 |
Average Common Equity |
2,942.27 | 3,173.25 | 3,411.51 | 3,537.57 | 3,737.76 | 4,143.67 | 6,589.50 | 14,577.50 | 20,860.50 | 21,105.00 |
Columns are period end dates · fundamentals updated 6 Nov 2026