First Citizens BancShares (FCNCA) Financials

$1,951.93 -1.49 (-0.08%)

Closing price 05/8/2026 04:00 PM Eastern

Extended Trading

$1,954.48 +2.55 (+0.13%)

As of 05/8/2026 05:25 PM Eastern

Annual Income Statements for First Citizens BancShares

This table shows First Citizens BancShares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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
Net Income / (Loss) Attributable to Common Shareholders	210	225	324	400	457	478	529	1,048	11,407	2,716	2,149
Consolidated Net Income / (Loss)	210	225	324	400	457	492	547	1,098	11,466	2,777	2,206
Net Income / (Loss) Continuing Operations	210	225	324	400	457	492	547	1,098	11,466	2,777	2,206
Total Pre-Tax Income	332	351	544	504	592	618	701	1,362	12,077	3,592	2,971
Total Revenue	1,392	1,322	1,582	1,609	1,727	1,865	1,898	5,082	18,787	9,758	9,541
Net Interest Income / (Expense)	925	945	1,060	1,209	1,311	1,388	1,390	2,946	6,712	7,143	6,814
Total Interest Income	969	988	1,104	1,246	1,404	1,484	1,451	3,413	10,391	12,353	11,778
Loans and Leases Interest Income	875	876	956	1,073	1,217	1,333	1,295	2,953	8,187	9,528	9,096
Investment Securities Interest Income	88	97	121	151	160	144	145	354	648	1,347	1,690
Deposits and Money Market Investments Interest Income	6.07	15	27	22	26	7.00	11	106	1,556	1,478	992
Total Interest Expense	44	43	44	37	93	96	61	467	3,679	5,210	4,964
Deposits Interest Expense	21	18	16	22	76	67	33	335	2,497	3,864	3,559
Long-Term Debt Interest Expense	18	23	25	12	13	29	28	132	1,182	1,346	1,405
Total Non-Interest Income	467	377	522	400	416	477	508	2,136	12,075	2,615	2,727
Other Service Charges	432	53	29	20	18	385	36	822	1,313	1,520	1,585
Net Realized & Unrealized Capital Gains on Investments	54	60	175	19	49	60	469	453	9,791	34	24
Other Non-Interest Income	-19	265	318	361	349	32	3.00	861	971	1,061	1,118
Provision for Credit Losses	21	33	26	28	31	58	-37	645	1,375	431	514
Total Non-Interest Expense	1,039	938	1,012	1,077	1,104	1,189	1,234	3,075	5,335	5,735	6,056
Salaries and Employee Benefits	430	444	491	528	551	722	759	1,408	2,636	3,078	3,294
Net Occupancy & Equipment Expense	191	195	202	212	223	233	236	596	888	965	1,037
Marketing Expense	-	-	-	-	-	10	10	53	102	76	142
Property & Liability Insurance Claims	18	21	22	19	11	13	14	31	158	138	141
Other Operating Expenses	386	273	288	312	301	179	174	388	653	811	849
Depreciation Expense	-	-	-	-	-	0.00	0.00	345	371	394	398
Amortization Expense	-	-	-	-	-	15	12	23	57	63	54
Restructuring Charge	14	5.34	9.02	6.46	17	17	29	231	470	210	141
Income Tax Expense	122	126	220	103	135	126	154	264	611	815	765
Preferred Stock Dividends Declared	-	-	-	0.00	0.00	14	18	50	59	61	57
Basic Earnings per Share	$17.52	$18.77	$29.96	$33.53	$41.05	$47.50	$53.88	$67.47	$785.14	$189.42	$165.24
Weighted Average Basic Shares Outstanding	12.01M	12.01M	12.01M	11.94M	11.14M	10.06M	9.82M	15.53M	14.53M	14.34M	13.00M
Diluted Earnings per Share	$17.52	-	$29.96	-	-	$47.50	$53.88	$67.40	$784.51	$189.41	$165.24
Weighted Average Diluted Shares Outstanding	12M	6M	12.01M	11.90M	10.51M	10.06M	9.82M	15.55M	14.54M	14.34M	13.00M
Weighted Average Basic & Diluted Shares Outstanding	12M	6M	12.01M	11.90M	10.51M	9.82M	15.98M	14.51M	14.52M	13.58M	11.94M
Cash Dividends to Common per Share	$1.20	$1.20	$1.25	$1.45	$1.60	$1.67	$1.88	$2.16	$3.89	$6.87	$7.95

This table shows First Citizens BancShares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	667	737	499	716	691	624	685	468	561	554	566
Consolidated Net Income / (Loss)	682	752	514	731	707	639	700	483	575	568	580
Net Income / (Loss) Continuing Operations	682	752	514	731	707	639	700	483	575	568	580
Total Pre-Tax Income	896	997	713	1,004	979	873	736	651	758	751	811
Total Revenue	2,619	2,605	2,454	2,444	2,460	2,446	2,408	2,298	2,373	2,433	2,437
Net Interest Income / (Expense)	1,961	1,990	1,911	1,817	1,821	1,796	1,709	1,663	1,695	1,734	1,722
Total Interest Income	2,953	3,110	3,117	3,084	3,130	3,138	3,001	2,895	2,945	2,998	2,940
Loans and Leases Interest Income	2,353	2,426	2,391	2,354	2,422	2,430	2,322	2,236	2,270	2,300	2,290
Investment Securities Interest Income	120	180	241	282	330	358	377	414	419	433	424
Deposits and Money Market Investments Interest Income	480	504	485	448	378	350	302	245	256	265	226
Total Interest Expense	992	1,120	1,206	1,267	1,309	1,342	1,292	1,232	1,250	1,264	1,218
Deposits Interest Expense	575	769	865	928	975	1,004	957	893	894	911	861
Long-Term Debt Interest Expense	417	351	341	339	334	338	335	339	356	353	357
Total Non-Interest Income	658	615	543	627	639	650	699	635	678	699	715
Other Service Charges	36	358	698	368	378	370	404	365	396	410	414
Net Realized & Unrealized Capital Gains on Investments	622	10	-644	8.00	4.00	9.00	15	5.00	8.00	3.00	8.00
Other Non-Interest Income	-	247	-	251	257	271	280	265	274	286	293
Provision for Credit Losses	151	192	249	64	95	117	155	154	115	191	54
Total Non-Interest Expense	1,572	1,416	1,492	1,376	1,386	1,456	1,517	1,493	1,500	1,491	1,572
Salaries and Employee Benefits	775	727	714	744	745	788	801	818	810	817	849
Net Occupancy & Equipment Expense	253	233	238	221	244	249	251	252	247	262	276
Marketing Expense	41	22	24	14	18	20	24	32	32	33	45
Property & Liability Insurance Claims	22	36	82	41	33	31	33	38	38	38	27
Other Operating Expenses	167	165	205	185	189	208	229	198	222	202	227
Depreciation Expense	91	95	96	96	98	99	101	98	100	98	102
Amortization Expense	18	17	17	17	15	15	16	15	13	13	13
Restructuring Charge	205	121	116	58	44	46	62	42	38	28	33
Income Tax Expense	214	245	199	273	272	234	36	168	183	183	231
Preferred Stock Dividends Declared	15	15	15	15	16	15	15	15	14	14	14
Basic Earnings per Share	$45.90	$50.71	$34.31	$49.27	$47.54	$43.42	$49.19	$34.47	$42.36	$43.08	$45.33
Weighted Average Basic Shares Outstanding	14.53M	14.53M	14.53M	14.53M	14.53M	14.38M	14.34M	13.58M	13.24M	12.85M	13.00M
Diluted Earnings per Share	$45.87	$50.67	$34.33	$49.26	$47.54	$43.42	$49.19	$34.47	$42.36	$43.08	$45.33
Weighted Average Diluted Shares Outstanding	14.54M	14.54M	14.54M	14.54M	14.53M	14.38M	14.34M	13.58M	13.24M	12.85M	13.00M
Weighted Average Basic & Diluted Shares Outstanding	14.52M	14.52M	14.52M	14.53M	14.47M	13.99M	13.58M	13.29M	12.92M	12.44M	11.94M

This table details how cash moves in and out of First Citizens BancShares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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
Net Change in Cash & Equivalents	-70	5.66	-204	-8.71	49	-15	-24	180	390	-94	-13
Net Cash From Operating Activities	233	231	355	454	578	376	-284	2,791	2,660	2,988	2,923
Net Cash From Continuing Operating Activities	233	231	355	454	578	376	-284	2,791	2,660	2,988	2,923
Net Income / (Loss) Continuing Operations	210	225	324	400	457	492	547	1,098	11,466	2,777	2,206
Consolidated Net Income / (Loss)	210	225	324	400	457	492	547	1,098	11,466	2,777	2,206
Provision For Loan Losses	21	33	26	28	31	58	-37	645	1,375	431	514
Depreciation Expense	88	89	91	97	104	133	143	533	-57	130	405
Non-Cash Adjustments to Reconcile Net Income	-47	-16	5.09	-66	39	885	914	270	-9,211	1,257	1,311
Changes in Operating Assets and Liabilities, net	24	-78	-73	2.98	-50	-1,192	-1,851	245	-913	-1,607	-1,513
Net Cash From Investing Activities	-1,248	-1,100	-669	101	-1,596	-9,908	-7,568	75	2,429	-10,155	-5,611
Net Cash From Continuing Investing Activities	-1,248	-1,100	-669	101	-1,596	-9,908	-7,568	75	2,429	-10,155	-5,611
Purchase of Property, Leasehold Improvements and Equipment	-90	-82	-85	-140	-121	-133	-107	-926	-1,428	-1,535	-1,562
Purchase of Investment Securities	-4,118	-5,302	-4,862	-1,552	-5,257	-14,643	-7,778	-2,740	-6,787	-31,245	-24,280
Sale of Property, Leasehold Improvements and Equipment	0.00	0.00	3.06	1.72	0.13	1.00	1.00	13	243	250	285
Divestitures	0.00	-	-	-	-	-	-	-	810	0.00	0.00
Sale and/or Maturity of Investments	3,015	4,325	4,283	2,971	5,102	4,867	316	4,132	9,497	22,448	19,734
Other Investing Activities, net	-22	-20	-7.73	-1,024	-1,321	0.00	0.00	-538	94	-73	212
Net Cash From Financing Activities	945	876	110	-564	1,067	9,517	7,828	-2,686	-4,699	7,073	2,675
Net Cash From Continuing Financing Activities	945	876	110	-564	1,067	9,517	7,828	-2,686	-4,699	7,073	2,675
Net Change in Deposits	1,017	782	0.87	490	1,439	8,979	7,976	-1,691	265	9,461	6,524
Issuance of Debt	350	150	175	125	200	746	0.00	6,959	10,491	0.00	1,838
Issuance of Preferred Equity	-	-	-	0.00	0.00	340	-	-	0.00	0.00	494
Repayment of Debt	-404	-42	-52	-999	-101	-87	-54	-6,454	-15,370	-450	-2,850
Repurchase of Common Equity	0.00	0.00	0.00	-163	-453	-334	0.00	-1,240	0.00	-1,648	-3,027
Payment of Dividends	-18	-14	-14	-17	-18	-30	-42	-83	-117	-158	-161
Other Financing Activities, Net	0.00	-	-	-	-	-97	-52	-177	32	-132	-143
Cash Interest Paid	47	45	44	37	78	105	62	525	3,686	5,079	4,810
Cash Income Taxes Paid	137	109	89	74	83	117	870	-551	514	763	315

This table details how cash moves in and out of First Citizens BancShares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Net Change in Cash & Equivalents	-682	-125	117	-210	66	98	-48	-2.00	77	-15	-73
Net Cash From Operating Activities	916	1,205	901	461	417	991	1,119	98	859	916	1,050
Net Cash From Continuing Operating Activities	916	1,205	901	461	417	991	1,119	98	859	916	1,050
Net Income / (Loss) Continuing Operations	682	752	514	731	707	639	700	483	575	568	580
Consolidated Net Income / (Loss)	682	752	514	731	707	639	700	483	575	568	580
Provision For Loan Losses	151	192	249	64	95	117	155	154	115	191	54
Depreciation Expense	-34	-102	-45	-12	6.00	42	94	93	100	91	121
Non-Cash Adjustments to Reconcile Net Income	-168	776	53	239	87	367	564	251	395	299	366
Changes in Operating Assets and Liabilities, net	285	-413	130	-561	-478	-174	-394	-883	-326	-233	-71
Net Cash From Investing Activities	3,913	-3,754	-358	-4,291	-1,819	-301	-3,744	-4,877	-562	-3,801	3,629
Net Cash From Continuing Investing Activities	3,913	-3,754	-358	-4,291	-1,819	-301	-3,744	-4,877	-562	-3,801	3,629
Purchase of Property, Leasehold Improvements and Equipment	-382	-298	-416	-285	-338	-471	-441	-273	-341	-375	-573
Purchase of Investment Securities	3,273	-6,212	-10,951	-8,692	-9,215	-2,114	-11,224	-3,554	-1,166	-8,595	-10,965
Sale of Property, Leasehold Improvements and Equipment	43	102	-178	66	37	46	101	63	61	71	90
Sale and/or Maturity of Investments	1,506	2,508	11,380	4,557	7,674	2,163	8,054	-1,242	886	4,833	15,257
Other Investing Activities, net	-59	215	-193	63	23	75	-234	129	-2.00	265	-180
Net Cash From Financing Activities	-5,511	2,424	-426	3,620	1,468	-592	2,577	4,777	-220	2,870	-4,752
Net Cash From Continuing Financing Activities	-5,511	2,424	-426	3,620	1,468	-592	2,577	4,777	-220	2,870	-4,752
Net Change in Deposits	1,132	4,894	-315	3,789	1,518	461	3,693	4,113	762	3,259	-1,610
Issuance of Debt	3,490	-	1.00	0.00	-	-	-	1,242	-	597	-1.00
Repayment of Debt	-10,052	-2,443	-104	-31	-1.00	-316	-102	-1.00	-351	-3.00	-2,495
Repurchase of Common Equity	-	-	-	0.00	-	-	-948	-618	-613	-896	-900
Payment of Dividends	-26	-26	-39	-39	-39	-38	-42	-42	-40	-39	-40
Other Financing Activities, Net	-55	-1.00	31	-99	-10	1.00	-24	83	22	-48	-200
Cash Interest Paid	1,001	1,076	1,243	1,294	1,324	1,387	1,074	1,224	1,198	1,241	1,147
Cash Income Taxes Paid	427	2.00	85	53	650	51	9.00	40	131	118	26

This table presents First Citizens BancShares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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 Assets	31,476	32,991	34,528	35,409	39,824	49,958	58,309	109,298	213,758	223,720	229,698
Cash and Due from Banks	534	540	336	327	377	362	338	518	908	814	801
Interest Bearing Deposits at Other Banks	-	-	-	-	-	-	9,115	5,025	33,609	21,364	19,801
Trading Account Securities	6,862	7,007	7,180	6,834	7,173	9,923	-	19,369	30,472	44,248	41,796
Loans and Leases, Net of Allowance	20,034	21,519	23,375	25,300	28,656	32,568	0.00	69,859	131,555	138,545	147,930
Loans and Leases	20,240	21,738	23,597	25,523	28,881	32,792	-	70,781	133,302	140,221	147,930
Premises and Equipment, Net	1,136	1,133	1,138	1,204	1,244	1,251	-	9,612	8,746	9,323	12,068
Goodwill	140	151	151	236	349	350	346	346	346	346	346
Intangible Assets	91	78	73	72	68	51	19	140	312	249	195
Other Assets	2,616	2,471	2,128	1,279	1,765	5,182	1,855	4,369	5,857	6,740	6,761
Total Liabilities & Shareholders' Equity	31,476	32,991	34,528	35,409	39,824	49,958	58,309	109,298	213,758	223,720	229,698
Total Liabilities	28,604	29,978	31,193	31,920	36,238	45,728	53,571	99,636	192,503	201,492	207,460
Non-Interest Bearing Deposits	9,274	10,131	11,237	11,883	12,927	18,014	21,405	24,922	39,799	38,633	40,653
Interest Bearing Deposits	17,656	18,031	18,029	18,790	21,504	25,418	30,001	64,486	106,055	116,596	120,925
Short-Term Debt	595	603	694	558	443	730	589	2,186	485	367	224
Long-Term Debt	704	833	870	334	884	1,160	1,195	4,459	37,169	36,684	35,784
Other Long-Term Liabilities	374	381	363	355	480	407	381	3,583	8,995	9,212	9,874
Total Equity & Noncontrolling Interests	2,872	3,012	3,334	3,489	3,586	4,229	4,738	9,662	21,255	22,228	22,238
Total Preferred & Common Equity	2,872	3,012	3,334	3,489	3,586	4,229	4,738	9,662	21,255	22,228	22,238
Preferred Stock	-	-	-	0.00	0.00	340	340	881	881	881	1,375
Total Common Equity	2,872	3,012	3,334	3,489	3,586	3,889	4,398	8,781	20,374	21,347	20,863
Common Stock	671	671	671	506	55	9.82	10	4,124	4,123	2,431	12
Retained Earnings	2,266	2,477	2,785	3,219	3,658	3,867	4,378	5,392	16,742	19,361	20,768
Accumulated Other Comprehensive Income / (Loss)	-64	-135	-122	-235	-127	12	10	-735	-491	-445	83

This table presents First Citizens BancShares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025
Total Assets	109,310	214,658	209,502	213,765	217,836	219,827	220,567	228,822	229,653	233,488
Cash and Due from Banks	481	1,598	917	791	698	764	862	812	889	874
Interest Bearing Deposits at Other Banks	6,172	38,522	37,846	36,704	30,792	25,361	25,640	24,692	26,184	24,798
Trading Account Securities	18,841	19,527	22,469	27,367	35,438	38,058	39,118	44,664	43,646	45,207
Loans and Leases, Net of Allowance	68,908	136,683	131,378	131,529	133,633	137,641	137,017	139,678	139,597	143,106
Loans and Leases	69,790	138,288	133,015	133,202	135,370	139,341	138,695	141,358	141,269	144,758
Allowance for Loan and Lease Losses	882	1,605	1,637	1,673	1,737	1,700	1,678	1,680	1,672	1,652
Loans Held for Sale	21	94	117	58	86	92	68	185	125	112
Premises and Equipment, Net	9,394	10,074	10,313	10,429	10,717	8,945	9,186	9,371	9,466	9,446
Goodwill	346	346	346	346	346	346	346	346	346	346
Intangible Assets	145	364	347	329	295	280	265	234	221	208
Other Assets	5,002	144,133	5,769	6,212	5,831	6,402	6,091	6,796	7,064	7,108
Total Liabilities & Shareholders' Equity	109,310	214,658	209,502	213,765	217,836	219,827	220,567	228,822	229,653	233,488
Total Liabilities	99,477	195,442	189,731	193,376	195,988	197,340	197,739	206,527	207,357	211,502
Non-Interest Bearing Deposits	26,587	54,649	44,547	43,141	39,276	40,016	39,396	40,767	40,879	42,752
Interest Bearing Deposits	60,966	85,401	96,617	103,092	110,333	111,063	112,178	118,558	119,056	120,438
Short-Term Debt	3,128	1,009	454	453	395	386	391	450	471	423
Long-Term Debt	5,215	45,085	39,685	37,259	37,145	37,072	36,770	37,956	37,641	38,252
Other Long-Term Liabilities	3,581	9,298	8,428	9,431	8,839	8,803	9,004	8,796	9,310	9,637
Total Equity & Noncontrolling Interests	9,833	19,216	19,771	20,389	21,848	22,487	22,828	22,295	22,296	21,986
Total Preferred & Common Equity	9,833	19,216	19,771	20,389	21,848	22,487	22,828	22,295	22,296	21,986
Preferred Stock	881	881	881	881	-	881	881	881	881	881
Total Common Equity	8,952	18,335	18,890	19,508	21,848	21,606	21,947	21,414	21,415	21,105
Common Stock	4,521	4,119	4,121	4,121	4,114	4,114	3,403	1,811	1,192	283
Retained Earnings	5,160	14,885	15,541	16,267	17,435	18,102	18,703	19,802	20,337	20,866
Accumulated Other Comprehensive Income / (Loss)	-729	-669	-772	-880	-582	-610	-159	-199	-114	-44

This table displays calculated financial ratios and metrics derived from First Citizens BancShares' official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$17.52	$18.77	$26.96	$33.53	$41.05	$47.50	$53.88	$67.47	$785.14	$189.42	$165.24
Adjusted Weighted Average Basic Shares Outstanding	12.01M	12.01M	12.01M	11.94M	11.14M	10.06M	9.82M	15.53M	14.53M	14.34M	13.00M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$26.96	$0.00	$41.05	$0.00	$0.00	$67.40	$784.51	$189.41	$165.24
Adjusted Weighted Average Diluted Shares Outstanding	12.01M	12.01M	12.01M	11.53M	10.51M	9.82M	15.98M	15.55M	14.54M	14.34M	13.00M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$26.96	$0.00	$41.05	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	12.01M	12.01M	12.01M	11.53M	10.51M	9.82M	15.98M	14.51M	14.52M	13.58M	11.94M
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-

This table displays calculated financial ratios and metrics derived from First Citizens BancShares' official financial filings.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$45.90	$50.71	$34.31	$49.27	$47.54	$43.42	$49.19	$34.47	$42.36	$43.08	$45.33
Adjusted Weighted Average Basic Shares Outstanding	14.53M	14.53M	14.53M	14.53M	14.53M	14.38M	14.34M	13.58M	13.24M	12.85M	13.00M
Adjusted Diluted Earnings per Share	$45.87	$50.67	$34.33	$49.26	$47.54	$43.42	$49.19	$34.47	$42.36	$43.08	$45.33
Adjusted Weighted Average Diluted Shares Outstanding	14.54M	14.54M	14.54M	14.54M	14.53M	14.38M	14.34M	13.58M	13.24M	12.85M	13.00M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	14.52M	14.52M	14.52M	14.53M	14.47M	13.99M	13.58M	13.29M	12.92M	12.44M	11.94M
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-

Financials Breakdown Chart

Key Financial Trends

Here is a concise, investor-focused trend summary for First Citizens BancShares. The data below covers FCNCA across multiple quarterly reports through 2025 (with earlier periods for context). Where relevant, I highlight notable year-over-year or sequential shifts in income, cash flow, and balance sheet items.

Rising total revenue in 2025: Total revenue progressed to about $2.437B in Q4 2025, up from roughly $2.298B in Q4 2024, signaling growing topline success as the year progressed.
Strong net interest income in Q4 2025: Net interest income reached about $1.722B in Q4 2025, contributing meaningfully to overall profitability and aligning with the year’s upward revenue trend.
Material improvement in earnings per share: Diluted EPS rose to $45.33 in Q4 2025 (from about $42.36 in mid‑2025), with net income to common shareholders around $566M, supporting higher profitability per share.
Robust quarterly operating cash flow: Net cash from continuing operating activities was approximately $1.05B in Q4 2025, underscoring strong cash generation from core banking operations.
Stable shareholder returns: Cash dividends per share remained at $1.95, indicating continued, predictable capital returns to shareholders.

Large, stable balance sheet base: The balance sheet shows a sizable asset base (total assets around the mid‑$230B range in 2025) with a substantial deposit base, suggesting strong liquidity and capacity to fund loan growth.
Non-interest income contributing solidly: Total non-interest income has been trending higher in 2025 (e.g., approximately $635M in early 2025 to around $715M in Q4 2025), supporting overall revenue diversification.
Expenses remain elevated but controlled: Total non-interest expenses run near the $1.5B level per quarter in 2025, indicating a consistent and manageable expense base relative to revenue gains.

Provision for credit losses fluctuates: Provisions vary quarter to quarter (e.g., a spike to about $191M in Q3 2025 and lower levels in Q4 2025), signaling some near‑term credit risk variability to watch.
Cash flow from financing activities pressured in Q4 2025: Net cash from financing activities was negative in Q4 2025, contributing to a negative net change in cash for the quarter and indicating use of capital for debt repayments or share activities.

Bottom line for retail investors: 2025 showed improving profitability signals (rising revenue, stronger net interest income, higher EPS) and solid cash generation from operations, supported by a large, liquid balance sheet. However, quarterly fluctuations in credit loss provisioning and financing‑related cash uses warrant close monitoring of credit quality trends and capital deployment going forward.

05/09/26 03:32 AM ETAI Generated. May Contain Errors.

First Citizens BancShares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Citizens BancShares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

First Citizens BancShares' net income appears to be on an upward trend, with a most recent value of $2.21 billion in 2025, rising from $210.39 million in 2015. The previous period was $2.78 billion in 2024. See First Citizens BancShares' forecast for analyst expectations on what's next for the company.

Over the last 10 years, First Citizens BancShares' total revenue changed from $1.39 billion in 2015 to $9.54 billion in 2025, a change of 585.4%.

First Citizens BancShares' total liabilities were at $207.46 billion at the end of 2025, a 3.0% increase from 2024, and a 625.3% increase since 2015.

In the past 10 years, First Citizens BancShares' cash and equivalents has ranged from $327.44 million in 2018 to $908 million in 2023, and is currently $801 million as of their latest financial filing in 2025.

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Financial statements for NASDAQ:FCNCA last updated on 2/26/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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First Citizens BancShares (FCNCA) Financials

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First Citizens BancShares (FCNCA) Financials

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Financials Breakdown Chart

Key Financial Trends

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When does First Citizens BancShares' fiscal year end?

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