arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

FIRST CITIZENS BANCSHARES INC /DE/

FCNCA

$2039.66 ▼ -29.29 (-1.42%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

auto_awesome

Analytical Summary

FIRST CITIZENS BANCSHARES INC /DE/ shows mixed fundamentals. However, watch Debt to Equity which shows concerning trends. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $26.5B

Dividend Yield 0.39%

Revenue Growth -2.2% ↗

Op. Margin 31.1% ↘

ROIC None

FCF / Share None

Trailing P/E 12.3x

Price / Book 1.2x

FCF Yield —

Debt / Equity 1.62

info Valuation on last close. End-of-day price, Sep 23, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$9.54B

↓ -2.2% —

Net Income Profit after all expenses

$2.21B

↓ -20.6% —

Operating Margin Operating profit as % of sales

31.1%

↓ -15.4% 87th

Long-Term Debt Long-term obligations

$35.78B

↓ -2.5% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$7.95 Latest / share

+15.7% YoY

+18.8% 12-yr CAGR

$1.20

FY 2014

$1.20

FY 2015

$1.20

FY 2016

$1.25

FY 2017

$1.45

FY 2018

$1.60

FY 2019

$1.67

FY 2020

$1.88

FY 2021

$2.16

FY 2022

$3.89

FY 2023

$6.87

FY 2024

$7.95

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	-2.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-137%)	-48.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-901%)	269.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+4395%)	167.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2696%)	1.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-70%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	7.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+22%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	10.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	32.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+436%)	4.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	-8.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-246%)	-17.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-389%)	13.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+119%)	29.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+386%)	13.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+123%)	—	—
EPS Growth YoY (%)	-12.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-75.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1063.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	25.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	15.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	22.4% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	24.4% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	43.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	29.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-21.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	32.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	-20.6% Weak ↓ Weak Declining Year-over-year change in net income	-75.8% Weak ↓ Weak Declining Year-over-year change in net income	944.3% Excellent ↑ Excellent Improving Year-over-year change in net income	100.7% Excellent ↑ Excellent Improving Year-over-year change in net income	11.2% Fair ↓ Fair Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	14.3% Fair ↓ Fair Declining Year-over-year change in net income	23.6% Good ↓ Good Declining Year-over-year change in net income	43.6% Excellent ↑ Excellent Improving Year-over-year change in net income	7.2% Fair ↓ Fair Declining Year-over-year change in net income	51.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-17.0% Weak ↓ Weak Declining Year-over-year change in net income	24.2% Good ↑ Good Improving Year-over-year change in net income	-31.1% Weak ↓ Weak Declining Year-over-year change in net income	1.0% Caution ↓ Caution Declining Year-over-year change in net income	65.9% Excellent Excellent Year-over-year change in net income	27.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	23.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	72.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	116.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	43.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.7% Fair → Fair Stable Compound annual revenue growth over 3 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	14.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.5% Fair Fair Compound annual revenue growth over 3 years	18.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	38.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	41.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	63.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	26.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.9% Caution Caution Compound annual revenue growth over 5 years	4.6% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	34.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	52.1% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	154.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	17.1% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	20.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	29.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.7% Caution Caution Compound annual EPS growth over 3 years	10.1% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	31.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	36.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	64.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+157%)	26.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	36.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	33.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	34.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	31.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	34.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	24.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	26.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	17.6% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	23.2% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	25.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—
Effective Tax Rate (%) (%)	25.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	40.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.8% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.9% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.8% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	23.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	28.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	61.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+177%)	21.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	26.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	24.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	20.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	15.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	15.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	13.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	16.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	12.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	14.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	16.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	12.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	11.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	12.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	53.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+350%)	11.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	8.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	7.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	6.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	1.62x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+35%)	1.67x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+39%)	1.77x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+48%)	0.69x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.38x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.37x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.47x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.48x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.50x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.49x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	0.54x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.78x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.92x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-23%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$733.78	$680.39	$1.29K	$327.20	$193.35	$185.44	$155.03	$134.78	$131.71	$119.29	$115.90	$103.05	$104.75	$107.76	$128.69	$113.13	—	—	—
Basic EPS, GAAP (USD)	$165.24	$189.42	$785.14	$67.47	$53.88	$47.50	$41.05	$33.53	$26.96	$18.77	$17.52	$13.56	$17.35	$13.11	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$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	—	—	—	—
Book Value per Share (USD)	$1.71K	$1.55K	$1.46K	$622.07	$482.66	$420.54	$321.89	$292.25	$277.60	$250.82	$239.14	$262.93	$215.35	$181.95	$179.36	$166.08	—	—	—
Tangible Book Value per Share (USD)	$1.67K	$1.51K	$1.42K	$590.78	$445.48	$380.66	$284.40	$266.39	$258.97	$231.78	$219.92	$238.83	$204.55	$171.59	$168.79	$155.30	—	—	—
Basic Weighted Avg Shares (shares)	13.00M	14.34M	14.53M	15.53M	9.82M	10.06M	11.14M	11.94M	12.01M	12.01M	12.01M	10.22M	9.62M	10.24M	10.38M	10.43M	—	—	—
Dividend Payout Ratio (%)	4.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	3.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	6.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	6.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	9.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$35.78B	$36.68B	$37.17B	$4.46B	$1.20B	$1.25B	$588.64M	$319.87M	$870.24M	$832.94M	$704.15M	$351.32M	$510.77M	$444.92M	$687.60M	$809.95M	$797.37M	—	—
Total Equity (USD)	$22.24B	$22.23B	$21.25B	$9.66B	$4.74B	$4.23B	$3.59B	$3.49B	$3.33B	$3.01B	$2.87B	$2.69B	$2.07B	$1.86B	$1.86B	$1.73B	$1.56B	$1.44B	$1.44B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$9.54B	$9.76B	$18.79B	$5.08B	$1.90B	$1.86B	$1.73B	$1.61B	$1.58B	$1.43B	$1.39B	$1.05B	$1.01B	$1.10B	$1.34B	$1.18B	$913.97M	$805.91M	—
Depreciation Expense (USD)	$314.00M	$276.00M	$225.00M	$142.00M	$107.00M	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$2.21B	$2.78B	$11.47B	$1.10B	$547.00M	$491.72M	$457.37M	$400.31M	$323.75M	$225.48M	$210.39M	$138.56M	$166.87M	$134.35M	$195.03M	$193.04M	$116.33M	$91.06M	—
Operating Cash Flow (USD)	$2.92B	$2.99B	$2.66B	$2.79B	$-284.00M	$375.82M	$540.28M	$457.34M	—	—	—	—	—	—	—	—	$168.08M	$212.11M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	3.2%	3.1%	2.7%	2.4%	2.8%	3.3%	3.4%	3.1%	2.9%	2.9%	2.4%	3.5%	4.3%	4.1%	3.7%	2.8%	—	—
Efficiency Ratio (%) (%)	63.5%	58.8%	28.4%	60.5%	65.0%	63.7%	63.9%	66.9%	64.0%	73.2%	74.6%	80.6%	76.6%	69.5%	59.4%	62.1%	71.3%	74.5%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 19 years · 72 quarters

FIRST CITIZENS BANCSHARES INC /DE/

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare FCNCA with peers