First Citizens BancShares, Inc. Financial Ratios — FC6A

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

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data 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

Shares Outstanding	10	10	10	12	12	12	12	12	11	10	10	15	15	14	12
Diluted Weighted Avg Shares	10	10	10	10	12	12	12	12	11	10	10	16	15	14	13
Basic Weighted Avg Shares	10	10	10	10	12	12	12	12	11	10	10	16	15	14	13
Revenue per Share	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
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	18.8	12.92	17.35	13.56	17.52	18.77	26.96	33.53	41.05	48.92	55.72	70.69	789.24	193.63	169.66
Diluted EPS, GAAP	18.8	12.92	17.35	13.56	17.52	18.77	26.96	33.53	41.05	47.53	53.89	67.4	784.55	189.37	165.28
Diluted EPS from Cont Ops	18.8	12.92	17.35	13.56	17.52	18.77	26.96	33.53	41.05	48.92	55.72	70.61	788.6	193.62	169.66
Dividend per Share	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
Cash Flow per Share	32.35	19.65	34.41	17.83	19.4	19.19	29.58	38.01	51.9	37.39	-28.93	179.69	183.1	208.34	224.8
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	494.18	655.77	704.92	791.07	787.53	784.23	741.38	488.63	803.82	1,194.29	1,900.49	1,002.19	3,750.18	4,077.09	4,315.95
Book Value per Share	180.97	193.75	215.35	223.77	239.14	250.82	277.6	300.04	337.38	396.21	448.03	605.33	1,403.16	1,556.17	1,718.65
Tangible Book Value per Share	170.31	182.71	204.55	203.26	219.92	231.78	258.97	273.49	298.09	355.35	408.5	570.1	1,356.12	1,510.83	1,671.45