First Citizens BancShares, Inc. Financial Ratios — FCNCN

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.85	7.11	8.48	5.82	7.57	7.66	10.2	11.73	12.93	12.79	12.77	15.9	78.25	13.02	10.18
Return on Assets (%)	0.93	0.63	0.79	0.54	0.68	0.7	0.96	1.14	1.22	1.1	1.01	1.31	7.1	1.27	0.97
Return on Capital (%)	6.42	4.6	5.8	4.12	5.76	6.07	7.93	9.79	10.97	9.89	9.53	9.88	30.56	4.7	3.75
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.17	17.81	26.64	20.45	26.35	27.07	38.59	32.44	34.87	33.96	38.14	30.09	137.96	37.81	32.11
Profit Margin (%)	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
Net Income to Common Margin (%)	16.46	11.96	16.56	13.92	16.68	17.39	22.98	25.79	26.94	26.26	28.78	23.16	130.31	28.59	23.23
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	6.41	11.63	5.19	8.33	8.56	6.39	4.45	4.19	3.97	3.35	4.54	3.15	0.51	3.57	4.84
Sustainable Growth Rate (%)	10.16	6.28	8.04	5.34	6.92	7.17	9.75	11.24	12.42	12.36	12.19	15.4	77.85	12.55	9.69

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	1,128	899	923	1,042	704	843	975	377	884	1,248	1,259	6,561	37,565	37,041	36,113
ST Debt	440	454	412	490	- -	10	90	28	- -	- -	- -	1,750	- -	- -	- -
LT Debt	688	445	511	551	704	833	885	348	884	1,248	1,259	4,811	37,565	37,041	36,113
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.86	8.76	9.77	8.94	9.12	9.13	9.66	9.85	9	7.79	7.54	8.03	9.53	9.54	9.08
Long-Term Debt/Equity (%)	36.95	23.87	24.66	20.51	24.52	27.65	26.55	9.98	24.65	29.51	26.57	49.79	176.73	166.64	162.39
Long-Term Debt/Capital (%)	23	16.1	17.06	14.78	19.69	21.6	20.54	9.01	19.77	22.79	20.99	29.66	63.86	62.5	61.89
Long-Term Debt/Total Assets (%)	3.27	2.09	2.41	1.83	2.24	2.52	2.56	0.98	2.22	2.5	2.16	4.4	17.57	16.56	15.72
Total Debt/Equity (%)	60.61	48.23	44.54	38.75	24.52	27.99	29.25	10.79	24.65	29.51	26.57	67.91	176.73	166.64	162.39
Total Debt/Capital (%)	37.74	32.54	30.82	27.93	19.69	21.87	22.63	9.74	19.77	22.79	20.99	40.44	63.86	62.5	61.89
Total Debt/Total Assets (%)	5.37	4.22	4.35	3.46	2.24	2.56	2.82	1.06	2.22	2.5	2.16	6	17.57	16.56	15.72
Net Debt to Equity	28.56	13.37	18.47	16.16	5.6	9.88	18.94	1.41	14.14	20.8	-174.38	6.82	12.44	65.19	67.95
Net Debt/Capital (%)	22.16	11.74	15.55	13.89	5.29	8.98	15.89	1.39	12.39	17.2	239.06	6.17	10.88	39.07	40.03
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.86	8.76	9.77	8.94	9.12	9.13	9.66	9.85	9	7.79	7.54	8.03	9.53	9.54	9.08
Long-Term Debt/Equity (%)	36.95	23.87	24.66	20.51	24.52	27.65	26.55	9.98	24.65	29.51	26.57	49.79	176.73	166.64	162.39
Long-Term Debt/Capital (%)	23	16.1	17.06	14.78	19.69	21.6	20.54	9.01	19.77	22.79	20.99	29.66	63.86	62.5	61.89
Long-Term Debt/Total Assets (%)	3.27	2.09	2.41	1.83	2.24	2.52	2.56	0.98	2.22	2.5	2.16	4.4	17.57	16.56	15.72
Total Debt/Equity (%)	60.61	48.23	44.54	38.75	24.52	27.99	29.25	10.79	24.65	29.51	26.57	67.91	176.73	166.64	162.39
Total Debt/Capital (%)	37.74	32.54	30.82	27.93	19.69	21.87	22.63	9.74	19.77	22.79	20.99	40.44	63.86	62.5	61.89
Total Debt/Total Assets (%)	5.37	4.22	4.35	3.46	2.24	2.56	2.82	1.06	2.22	2.5	2.16	6	17.57	16.56	15.72
CFO/Total Liabilities	1.75	1.04	1.73	0.67	0.81	0.77	1.14	1.42	1.6	0.82	-0.53	2.8	1.38	1.48	1.41
CFO/CapEx	4.37	2.26	5.01	2.2	2.6	2.82	4.19	3.23	4.78	2.83	-2.65	3.01	1.86	1.95	1.87
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.55	15.08	10.96	10.2
Days Sales Outstanding	179.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.67	24.2	33.31	35.78
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	591	640	534	604	534	540	336	327	377	362	9,453	5,543	34,517	22,178	20,602
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	340	340	881	881	881	1,375
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1,128	899	923	1,042	704	843	975	377	884	1,248	1,259	6,561	37,565	37,041	36,113
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	2,989	2,763	2,994	3,729	3,576	3,856	4,309	3,866	4,470	5,477	5,997	16,223	58,820	59,269	58,351
Total Debt/Capital (%)	37.74	32.54	30.82	27.93	19.69	21.87	22.63	9.74	19.77	22.79	20.99	40.44	63.86	62.5	61.89
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	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
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	336	201	331	182	233	231	355	454	578	376	-284	2,791	2,660	2,988	2,923
TTM Free Cash Flow to Firm	259	112	265	100	143	149	270	313	457	243	-391	1,865	1,232	1,453	1,361

Multiples (USD)

Valuation Multiples API ChatGPT

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Per Share Data Items (USD)

Per-Share Data API ChatGPT

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