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FIRST CITIZENS BANCSHARES INC /DE/

Data quality: 100%
Also listed as FCNCO Nasdaq FCNCP Nasdaq
FCNCB
Nasdaq Financial Services Depository Institutions
$1,690.00
▼ $3.00 (-0.18%)
Mkt Cap: 23.86 B
Price
$1,690.00
Mkt Cap
23.86 B
Day Range
$1,688.00 — $1,693.00
52-Week Range
$1,439.75 — $1,839.99
Volume
3
Open $1,688.00
50D / 200D Avg
$1,650.33
2.40% above
50D / 200D Avg
$1,670.11
1.19% above

Quick Summary

Key Takeaways

Earnings declined -20.56% over the past year
Net margin of 23.12% shows strong profitability
Generating 2.21 B in free cash flow
P/E of 10.82 — trading at a low valuation
PEG of 0.26 suggests growth is underpriced
Cash machine — converts 100.32% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)-2.22%
Earnings (1Y)-20.56%
FCF Growth (3Y)-0.94%

Quality

Return on Equity
9.96%
Above sector avg (9.24%)
ROICN/A
Net Margin23.12%
Op. MarginN/A

Safety

Debt / Equity
1.76
Above sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
10.82
Below sector avg (11.15)
P/B Ratio1.09
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 10.8 11.2
P/B 1.1 1.2
ROE % 10.0 9.2
Net Margin % 23.1 9.4
Rev Growth 5Y % — 5.8
D/E 1.8 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) -2.22% Revenue Growth (3Y) N/A
Earnings Growth (1Y) -20.56% Earnings Growth (3Y) -56.14%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 41.68%
Profitability
Revenue (TTM) 9.54 B Net Income (TTM) 2.21 B
ROE 9.96% ROA 0.95%
Gross Margin N/A Operating Margin N/A
Net Margin 23.12% Free Cash Flow (TTM) 2.21 B
ROIC N/A FCF Growth (3Y) -0.94%
Safety
Debt / Equity 1.76 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.04
Working Capital N/A Tangible Book Value 21.43 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 10.82 Forward P/E N/A
P/B Ratio 1.09 P/S Ratio 2.50
PEG Ratio 0.26 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 9.28%
Market Cap 23.86 B Enterprise Value 62.53 B
Per Share
EPS (Diluted TTM) 165.24 Revenue / Share 675.84
FCF / Share 156.76 OCF / Share 207.05
EPS CAGR (1Y) -12.76% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 7.44% FCF Conversion 100.32%
SBC-Adj. FCF 2.21 B Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 9.54 B 9.76 B — — —
Net Income 2.21 B 2.78 B 11.47 B 1.10 B 547.46 M
EPS (Diluted) 165.24 189.41 784.51 67.40 —
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 314.00 M 276.00 M 225.00 M 142.00 M —
Interest Expense 6.81 B 7.14 B 3.68 B 467.00 M 60.68 M
Income Tax 765.00 M 815.00 M 611.00 M 264.00 M 154.20 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 229.70 B 223.72 B 213.76 B 109.30 B 58.31 B
Total Liabilities 207.46 B 201.49 B 192.50 B 99.64 B 53.57 B
Shareholders' Equity 22.24 B 22.23 B 21.26 B 9.66 B 4.74 B
Total Debt 36.01 B 37.05 B 37.65 B 6.65 B 1.19 B
Cash & Equivalents — — — — 9.03 B
Current Assets — — — — —
Current Liabilities — — — — —