Friday 6 November 2026 Export FCNCA’s income statement to Excel — free account

First Citizens BancShares, Inc.

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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Market cap: $25.5B
P/E: 11.7×
Fwd P/E: 11.9×
Dividend yield: 0.37%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	12.95	11.15	1.83	11.13	15.40	12.01	12.96	11.24	15.01	18.90
Piotroski F-Score Full definition →	6	5	6	6	3	5	7	8	9	6
P/S ratio Full definition →	1.92	2.02	0.93	2.10	4.16	2.95	3.26	2.73	2.99	3.12
P/FCF ratio Full definition →	12.45	11.76	9.19	4.33	0.00	21.23	12.27	13.12	15.46	23.22
P/Operating CF Full definition →	26.58	27.08	23.20	11.07	64.14	36.15	33.11	36.39	94.97	587.65
P/B ratio Full definition →	1.34	1.42	1.03	1.33	1.85	1.48	1.65	1.29	1.46	1.42
Price to Tangible BV Full definition →	1.37	1.46	1.06	1.41	2.02	1.66	1.87	1.42	1.56	1.53
EV/Sales Full definition →	2.95	2.98	1.03	1.91	(0.06)	0.88	2.76	2.17	2.46	1.97
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	14.66	14.94	8.68	3.79	0.39	4.58	8.68	7.87	11.27	11.64
EV/FCF Full definition →	19.11	17.32	10.15	3.93	0.32	6.33	10.38	10.40	12.74	14.62
Quick Ratio Full definition →	0.13	0.14	0.24	0.06	0.18	0.11	0.04	0.04	0.06	0.08
Current Ratio Full definition →	1.03	1.03	1.14	0.82	0.80	0.84	0.86	0.84	0.84	0.83
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	15.58%	16.40%	17.39%	4.08%	2.05%	1.31%	1.44%	0.55%	2.52%	2.52%
Debt/Equity Full definition →	1.61	1.65	1.75	0.46	0.25	0.15	0.16	0.06	0.26	0.28
Asset Turnover Full definition →	0.06	0.07	0.14	0.07	0.04	0.04	0.05	0.05	0.05	0.04
Operating CF/Net income Full definition →	1.36	1.10	0.23	2.66	(0.54)	0.79	1.26	1.13	1.10	1.02
Capex/Depreciation Full definition →	(1.68)	(3.15)	6.77	(0.18)	(0.45)	(0.78)	(0.95)	(1.25)	(0.56)	0.47
ROE Full definition →	10.18%	13.02%	78.25%	15.90%	12.77%	12.79%	12.93%	11.73%	10.20%	7.66%
ROA Full definition →	0.95%	1.24%	7.06%	1.25%	0.98%	1.06%	1.22%	1.14%	0.96%	0.70%
ROIC Full definition →	5.68%	6.89%	34.01%	12.36%	0.00%	242.78%	14.93%	13.20%	14.57%	16.37%
Return on Tangible Assets Full definition →	27.40%	37.25%	51.66%	(7.11%)	(5.80%)	(7.95%)	(12.25%)	(10.83%)	(8.82%)	(6.22%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	0.00%	0.00%	0.02%	0.34%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(1.44)	(1.34)	(1.24)	(2.08)	(1.46)	(1.44)	(1.02)	(1.21)	(1.24)	(1.40)
Graham Number Full definition →	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 Full definition →	7.72%	8.97%	54.57%	8.99%	6.49%	8.33%	7.71%	8.90%	6.66%	5.29%
Free Cash Flow Yield Full definition →	8.03%	8.51%	10.88%	23.11%	(4.28%)	4.71%	8.15%	7.62%	6.47%	4.31%
Revenue per Share Full definition →	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 Full definition →	224.80	208.34	183.10	179.69	(28.93)	37.39	51.90	38.01	29.58	19.19
Capex per Share Full definition →	(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 Full definition →	172.43	179.75	156.53	173.64	(35.55)	27.05	43.37	28.75	26.16	21.75
Cash per Share Full definition →	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 Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	(681.00)	(410.00)	(386.00)	(94.00)	(65.00)	(104.00)	(95.03)	(110.59)	(41.03)	30.77
Net Current Asset Value Full definition →	(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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.05	0.03	0.02	0.02	0.03	0.05	0.05	0.07	0.03	(0.02)
Price to Operating Income Full definition →	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 Full definition →	0.17	0.06	(0.03)	0.37	0.12	0.11	0.08	0.07	0.06	0.06
Cash ROIC Full definition →	2.84%	3.17%	2.43%	13.72%	(2.27%)	2.84%	8.56%	7.14%	5.30%	4.18%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.03	0.03	0.03	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	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

Show all line items

Columns are period end dates · fundamentals updated 6 Nov 2026

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