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First citizens bancshares, inc.FCNCP.US Overview

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FCNCP Recent Performance

0.70%

First citizens bancshares, inc.

1.79%

Avg of Sector

-0.31%

S&P500

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FCNCP Key Information

FCNCP Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

FCNCP Profile

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit products include checking, savings, money market, and time deposit accounts. Its loan product portfolio comprises commercial construction and land development, commercial mortgage, commercial and industrial, and lease financing loans, as well as small business administration paycheck protection program loans; and consumer loans, such as residential and revolving mortgage, construction and land development, consumer auto, and other consumer loans. The company also offers treasury services products, cardholder and merchant services, wealth management services, and various other products and services; investment products, including annuities, discount brokerage services, and third-party mutual funds, as well as investment management and advisory services; and defined benefit and defined contribution, insurance, private banking, trust, fiduciary, philanthropy, and special asset services. The company provides its products and services through its branch network, as well as through digital banking, telephone banking, and various ATM networks. As of December 31, 2021, it operated 529 branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

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FCNCP FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FCNCP Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
169.66
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
0.12
METRIC
VALUE
vs. INDUSTRY
Gross Margin
61.44%
Net Margin
15.22%
Revenue Growth (YoY)
-2.59%
Profit Growth (YoY)
-3.61%
3-Year Revenue Growth
36.38%
3-Year Profit Growth
26.42%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
169.66
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
0.12
Gross Margin
61.44%
Net Margin
15.22%
Revenue Growth (YoY)
-2.59%
Profit Growth (YoY)
-3.61%
3-Year Revenue Growth
36.38%
3-Year Profit Growth
26.42%

  • When is FCNCP's latest earnings report released?

    The most recent financial report for First citizens bancshares, inc. (FCNCP) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FCNCP's short-term business performance and financial health. For the latest updates on FCNCP's earnings releases, visit this page regularly.

  • Where does FCNCP fall in the P/E River chart?

    According to historical valuation range analysis, First citizens bancshares, inc. (FCNCP)'s current price-to-earnings (P/E) ratio is 11.44, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FCNCP?

    According to the latest financial report, First citizens bancshares, inc. (FCNCP) reported an Operating Profit of 811M with an Operating Margin of 22.19% this period, representing a growth of 10.19% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FCNCP's revenue growth?

    In the latest financial report, First citizens bancshares, inc. (FCNCP) announced revenue of 3.66B, with a Year-Over-Year growth rate of -0.92%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does FCNCP have?

    As of the end of the reporting period, First citizens bancshares, inc. (FCNCP) had total debt of 36.01B, with a debt ratio of 0.16. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does FCNCP have?

    At the end of the period, First citizens bancshares, inc. (FCNCP) held Total Cash and Cash Equivalents of 20.6B, accounting for 0.09 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FCNCP go with three margins increasing?

    In the latest report, First citizens bancshares, inc. (FCNCP) achieved the “three margins increasing” benchmark, with a gross margin of 62.13%%, operating margin of 22.19%%, and net margin of 15.87%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FCNCP's profit trajectory and future growth potential.

  • Is FCNCP's EPS continuing to grow?

    According to the past four quarterly reports, First citizens bancshares, inc. (FCNCP)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 45.81. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FCNCP?

    First citizens bancshares, inc. (FCNCP)'s Free Cash Flow (FCF) for the period is 1.01B, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 93.85% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FCNCP?

    The latest valuation data shows First citizens bancshares, inc. (FCNCP) has a Price-To-Earnings (PE) ratio of 11.44 and a Price/Earnings-To-Growth (PEG) ratio of 1.83. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.