Saturday 17 October 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. In the quarter to June 2026, revenue was flat, EPS grew 31.1%, free cash flow grew 28.7% and total debt fell 14.9%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years; insiders bought in the last twelve months.
2,123.74
26.54
+1.27%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.95 | 11.15 | 1.83 | 11.13 | 15.40 | 12.01 | 12.96 | 11.24 | 15.01 | 18.90 |
Piotroski F-Score |
6 | 5 | 6 | 6 | 3 | 5 | 7 | 8 | 9 | 6 |
P/S ratio |
1.92 | 2.02 | 0.93 | 2.10 | 4.16 | 2.95 | 3.26 | 2.73 | 2.99 | 3.12 |
P/FCF ratio |
12.45 | 11.76 | 9.19 | 4.33 | 0.00 | 21.23 | 12.27 | 13.12 | 15.46 | 23.22 |
P/Operating CF |
26.58 | 27.08 | 23.20 | 11.07 | 64.14 | 36.15 | 33.11 | 36.39 | 94.97 | 587.65 |
P/B ratio |
1.34 | 1.42 | 1.03 | 1.33 | 1.85 | 1.48 | 1.65 | 1.29 | 1.46 | 1.42 |
Price to Tangible BV |
1.37 | 1.46 | 1.06 | 1.41 | 2.02 | 1.66 | 1.87 | 1.42 | 1.56 | 1.53 |
EV/Sales |
2.95 | 2.98 | 1.03 | 1.91 | (0.06) | 0.88 | 2.76 | 2.17 | 2.46 | 1.97 |
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 |
14.66 | 14.94 | 8.68 | 3.79 | 0.39 | 4.58 | 8.68 | 7.87 | 11.27 | 11.64 |
EV/FCF |
19.11 | 17.32 | 10.15 | 3.93 | 0.32 | 6.33 | 10.38 | 10.40 | 12.74 | 14.62 |
Quick Ratio |
0.13 | 0.14 | 0.24 | 0.06 | 0.18 | 0.11 | 0.04 | 0.04 | 0.06 | 0.08 |
Current Ratio |
1.03 | 1.03 | 1.14 | 0.82 | 0.80 | 0.84 | 0.86 | 0.84 | 0.84 | 0.83 |
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 |
15.58% | 16.40% | 17.39% | 4.08% | 2.05% | 1.31% | 1.44% | 0.55% | 2.52% | 2.52% |
Debt/Equity |
1.61 | 1.65 | 1.75 | 0.46 | 0.25 | 0.15 | 0.16 | 0.06 | 0.26 | 0.28 |
Asset Turnover |
0.06 | 0.07 | 0.14 | 0.07 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
Operating CF/Net income |
1.36 | 1.10 | 0.23 | 2.66 | (0.54) | 0.79 | 1.26 | 1.13 | 1.10 | 1.02 |
Capex/Depreciation |
(1.68) | (3.15) | 6.77 | (0.18) | (0.45) | (0.78) | (0.95) | (1.25) | (0.56) | 0.47 |
| 10.18% | 13.02% | 78.25% | 15.90% | 12.77% | 12.79% | 12.93% | 11.73% | 10.20% | 7.66% | |
| 0.95% | 1.24% | 7.06% | 1.25% | 0.98% | 1.06% | 1.22% | 1.14% | 0.96% | 0.70% | |
ROIC |
5.68% | 6.89% | 34.01% | 12.36% | 0.00% | 242.78% | 14.93% | 13.20% | 14.57% | 16.37% |
Return on Tangible Assets |
27.40% | 37.25% | 51.66% | (7.11%) | (5.80%) | (7.95%) | (12.25%) | (10.83%) | (8.82%) | (6.22%) |
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 |
39.36% | 35.20% | 24.96% | 54.39% | 55.95% | 59.66% | 59.81% | 64.95% | 61.73% | 69.34% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.02% | 0.34% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.44) | (1.34) | (1.24) | (2.08) | (1.46) | (1.44) | (1.02) | (1.21) | (1.24) | (1.40) |
Graham Number |
2,445.98 | 2,518.79 | 4,977.55 | 926.83 | 736.98 | 645.06 | 545.26 | 469.63 | 410.29 | 325.56 |
Earnings Yield |
7.72% | 8.97% | 54.57% | 8.99% | 6.49% | 8.33% | 7.71% | 8.90% | 6.66% | 5.29% |
Free Cash Flow Yield |
8.03% | 8.51% | 10.88% | 23.11% | (4.28%) | 4.71% | 8.15% | 7.62% | 6.47% | 4.31% |
Revenue per Share |
1,115.55 | 1,043.66 | 1,546.40 | 357.26 | 199.56 | 194.99 | 163.35 | 137.87 | 135.36 | 113.64 |
Operating CF per Share |
224.80 | 208.34 | 183.10 | 179.69 | (28.93) | 37.39 | 51.90 | 38.01 | 29.58 | 19.19 |
Capex per Share |
(52.37) | (28.59) | (26.57) | (6.05) | (6.62) | (10.34) | (8.53) | (9.26) | (3.42) | 2.56 |
Free Cash Flow per Share |
172.43 | 179.75 | 156.53 | 173.64 | (35.55) | 27.05 | 43.37 | 28.75 | 26.16 | 21.75 |
Cash per Share |
1,602.31 | 1,557.39 | 2,408.47 | 356.88 | 962.98 | 468.27 | 133.25 | 94.22 | 143.55 | 200.86 |
Shareholders Equity per Share |
1,710.29 | 1,549.86 | 1,463.05 | 622.07 | 482.66 | 420.53 | 321.89 | 292.26 | 277.61 | 250.83 |
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 |
1,710.29 | 1,549.86 | 1,463.05 | 622.07 | 482.66 | 420.53 | 321.89 | 292.26 | 277.61 | 250.83 |
Free Cash Flow |
2,242.00 | 2,578.00 | 2,274.00 | 2,697.00 | (349.00) | 272.00 | 483.22 | 343.17 | 314.23 | 261.27 |
Working Capital |
5,396.00 | 5,285.00 | 20,206.00 | (16,192.00) | (10,348.00) | (7,264.21) | (4,977.13) | (4,901.14) | (4,809.89) | (4,759.01) |
Capital Expenditures |
(681.00) | (410.00) | (386.00) | (94.00) | (65.00) | (104.00) | (95.03) | (110.59) | (41.03) | 30.77 |
Net Current Asset Value |
(40,262.00) | (40,611.00) | (25,958.00) | (24,234.00) | (11,924.00) | (8,326.53) | (6,029.52) | (5,449.76) | (6,043.26) | (5,972.59) |
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 |
0.05 | 0.03 | 0.02 | 0.02 | 0.03 | 0.05 | 0.05 | 0.07 | 0.03 | (0.02) |
Price to Operating Income |
8.26 | 7.52 | 1.64 | 6.88 | 10.31 | 8.31 | 9.28 | 8.33 | 8.40 | 11.36 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.06 | (0.03) | 0.37 | 0.12 | 0.11 | 0.08 | 0.07 | 0.06 | 0.06 |
Cash ROIC |
2.84% | 3.17% | 2.43% | 13.72% | (2.27%) | 2.84% | 8.56% | 7.14% | 5.30% | 4.18% |
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 |
0.03 | 0.03 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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 |
11,880.74 | 10,874.97 | 14,470.43 | 69,879.91 | 307,593.28 | 165,130.60 | 135,655.52 | 303,753.64 | 243,919.08 | 238,588.95 |
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 |
158,403.50 | 150,541.50 | 117,631.00 | 70,407.00 | 47,418.81 | 38,931.42 | 32,551.85 | 29,969.37 | 28,713.81 | 27,546.05 |
Average Assets |
226,709.00 | 218,739.00 | 161,528.00 | 83,803.50 | 54,133.34 | 44,891.09 | 37,616.57 | 34,968.07 | 33,759.18 | 32,233.39 |
Average Common Equity |
21,105.00 | 20,860.50 | 14,577.50 | 6,589.50 | 4,143.67 | 3,737.76 | 3,537.57 | 3,411.51 | 3,173.25 | 2,942.27 |
Columns are period end dates