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    Banks - Regional
First Citizens BancShares, Inc.

First Citizens BancShares, Inc.

FCNCB
First Citizens BancShares, Inc.US flagOther OTC
1,640.00
USD
+15.00
- -
19.00BMarket Cap
First Citizens BancShares, Inc.
FCNCB
(Other OTC)

Recent

price

1,640.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
100.09
114.19
108.05
104.75
97.39
105.02
107.99
117.31
130.04
152.38
180.97
187.24
291.4
602.56
662.4
711.56
735.99
Revenue per Share
18.5
18.8
12.92
17.35
13.56
17.52
18.77
26.96
33.53
41.05
47.53
53.89
67.47
785.18
189.38
165.28
175
Basic EPS, GAAP
2.25
24.94
10.97
27.55
9.74
11.93
12.38
22.52
26.25
41.03
24.16
-39.83
120.08
84.8
101.31
104.67
109.77
Free Cash Flow per Basic Share
1.2
1.2
1.5
0.9
1.13
1.5
1.2
1.2
1.41
1.63
2.98
4.28
5.34
8.05
11.02
12.38
13.59
Dividend per Share
155.8
171.92
175.93
203.03
203.65
189.64
207.21
232.92
270.57
329.31
385.52
447.01
348.12
1,153.44
1,350.94
1,598.16
1,627.31
Book Value per Share
155.29
168.79
171.59
204.55
238.83
219.92
231.78
258.97
266.39
284.4
346.86
408.5
532.45
1,355.39
1,445.07
1,560.47
1,576.7
Tangible Book Value per Share
10
10
10
10
10
12
12
12
12
11
10
10
16
15
14
13
13
Basic Weighted Avg Shares
1,044
1,185
1,107
1,008
996
1,261
1,297
1,409
1,552
1,698
1,820
1,838
4,526
8,754
9,500
9,252
9,206
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
63
65
72
73
82
111
111
114
120
128
133
143
533
-57
130
405
492
Depreciation Expense
193
195
132
167
139
210
225
324
400
457
492
547
1,098
11,466
2,777
2,206
2,257
Net Income, GAAP
36.41
37.11
32.84
37.84
31.94
36.71
35.77
40.45
20.51
22.75
20.39
21.97
19.38
5.06
22.69
25.75
25.39
Effective Tax Rate (%)
18.48
16.46
11.96
16.56
13.92
16.68
17.39
22.98
25.79
26.94
27.03
29.76
24.26
130.98
29.23
23.84
24.52
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
810
688
445
511
551
704
833
885
348
884
1,248
1,259
4,811
37,565
37,041
36,113
34,109
LT Debt
1,733
1,861
1,864
2,071
2,688
2,872
3,012
3,334
3,489
3,586
4,229
4,738
9,662
21,255
22,228
22,238
22,048
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.59
11.44
7.38
8.89
6.87
9.65
9.46
12.25
13.28
13.26
12.67
12.8
21.4
102.93
15.03
10.7
10.9
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
38,185
35,712
33,719
LT Finance Leases
408
401
390
Preferred Equity and Hybrid Capital
881
1,375
1,765
Shares Outstanding
13
12
12
Market Capitalization
21,620
22,983
20,639

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
38,900
52,392
57,583
Accounts Receivable, Net
945
912
955
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
105
3,959
3,934
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
28.15%
48.11%
0.04%
Free Cash Flow
-75.97%
-172.04%
-6.33%
Net Income, GAAP
105.61%
191.97%
-20.56%
Sales/Revenue/Turnover
28.48%
49.31%
-2.61%
Total Cash Common Dividend
- -
47.54%
7.22%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,436
2,398
2,441
2,167
9,500
2025
2,293
2,302
2,430
2,164
9,252
2026
2,310
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
49.27
47.54
43.41
49.18
189.38
2025
34.47
42.38
- -
45.78
165.28
2026
42.6
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.68
2.68
2.64
3.02
11.02
2025
3.09
3.02
- -
3.24
12.38
2026
4.28
- -
- -
- -
- -
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Business
First Citizens BancShares, Inc. operates as the financial holding company for First-Citizens Bank & Trust Company, providing a comprehensive range of banking, lending, wealth management, and investment services primarily in the United States. Its core products and services include deposit accounts such as checking, savings, money market, and time deposits; a diverse loan portfolio covering commercial construction and land development, commercial mortgage, commercial and industrial loans, lease financing, noncommercial construction, residential mortgage, revolving mortgage, and consumer loans. Additionally, the company offers treasury services, cardholder and merchant services, wealth management, investment services including annuities, discount brokerage, third-party mutual funds, investment advisory services, trust and asset management, and title insurance products. First Citizens BancShares operates a network of more than 500 branches and offices across 30 states, serving retail, business, commercial, and wealth management clients. Headquartered in Raleigh, North Carolina, the company was founded in 1898. Recent major developments include a significant national expansion through the October 2025 agreement to acquire 138 select branches from BMO Bank N.A., extending its geographic footprint into the Midwest, Great Plains, and Western U.S., including states such as North Dakota, South Dakota, Wyoming, Nebraska, Kansas, Missouri, Oklahoma, Idaho, and western Minnesota. In 2024, First Citizens BancShares completed a merger with CIT Group, positioning it among the top 20 U.S. financial institutions with over $200 billion in assets. Furthermore, in December 2025, Park National Corporation agreed to acquire First Citizens BancShares in a $317 million deal, marking another strategic shift. The company has also recently launched a new series of preferred stock offering a 7.0% non-cumulative perpetual dividend and announced an increase in its quarterly dividend to $2.10 per share. Additionally, First Citizens BancShares has authorized a $3.5 billion stock repurchase program to be executed over upcoming quarters. These moves reflect ongoing growth and capital management strategies aimed at strengthening its market position. First Citizens BancShares focuses on diverse customer segments including retail banking clients, commercial and industrial businesses, real estate developers, and wealth management customers, leveraging its extensive branch network and digital banking platform. Its positioning as a community-focused yet nationally expanding bank highlights an emphasis on long-term client relationships and financial strength. The company is publicly traded on NASDAQ under the ticker FCNCA.