FIRST CITIZENS BANCSHARES INC /DE/

FCNCA

FIRST CITIZENS BANCSHARES INC /DE/

FCNCA

Insider Sentiment (TTM):

Last Purchase:2026-06-05Last Sale:2026-06-04Shares Purchased (TTM):6,774Shares Sold (TTM):7,866

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,564,255Shares Outstanding:11,924,899Institutional Ownership Pct.:55.05%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Common Class A	-	11	11	11	-12	12	0	-1	0	14	0	0
Common Class B	-	1	1	1	-1	1	0	0	0	1	0	0
Assets
Cash And Due From Banks	1,519	1,080	801	874	889	812	814	862	764	698	908	791
Interest Bearing Deposits In Banks	21,132	23,189	19,801	24,798	26,184	24,692	21,364	25,640	25,361	30,792	33,609	36,704
Securities Purchased Under Agreements To Resell	737	223	232	83	300	345	158	455	392	394	473	549
Equity Securities Fv Ni Current And Noncurrent	156	130	127	110	97	95	101	82	78	79	84	75
Debt Securities Available For Sale Excluding Accru…	33,983	33,314	31,790	34,963	33,060	33,900	33,750	28,190	27,053	24,915	19,936	16,661
Debt Securities Held To Maturity Excluding Accrued…	9,418	9,542	9,647	10,051	10,189	10,324	10,239	10,391	10,535	10,050	9,979	10,082
Loans Receivable Held For Sale Amount	-	-	-	112	125	185	85	68	92	86	76	58
Assets Held For Sale Not Part Of Disposal Group	93	1,122	804	-	-	-	85	-	-	-	-	-
Financing Receivable Excluding Accrued Interest Be…	-	148,692	147,930	144,758	141,269	141,358	140,221	138,695	139,341	135,370	133,302	133,202
Financing Receivable Allowance For Credit Loss Exc…	-	-1,558	-1,566	-1,652	-1,672	-1,680	-1,676	-1,678	-1,700	-1,737	-1,747	-1,673
Financing Receivable Excluding Accrued Interest Af…	-	147,134	146,364	143,106	139,597	139,678	138,545	137,017	137,641	133,633	131,555	131,529
Property Subject To Or Available For Operating Lea…	9,755	9,685	9,621	9,446	9,466	9,371	9,323	9,186	8,945	8,811	8,746	8,661
Property Plant And Equipment Excluding Lessor Asse…	-	-	-	-	-	-	-	-	-	1,906	1,877	1,768
Property Plant And Equipment And Finance Lease Rig…	-	2,499	2,447	2,283	2,115	2,044	2,006	1,974	1,938	-	1,877	-
Goodwill	346	346	346	346	346	346	346	346	346	346	346	346
Intangible Assets Net Excluding Goodwill	171	182	195	208	221	234	249	265	280	295	312	329
Other Assets	7,459	7,513	7,523	7,108	7,064	6,796	6,740	6,091	6,402	5,831	5,857	6,212
Assets	236,842	235,959	229,698	233,488	229,653	228,822	223,720	220,567	219,827	217,836	213,758	213,765
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	42,475	43,606	40,653	42,752	40,879	40,767	38,633	39,396	40,016	39,276	39,799	43,141
Interest Bearing Deposit Liabilities	130,952	127,236	120,925	120,438	119,056	118,558	116,596	112,178	111,063	110,333	106,055	103,092
Deposits	173,427	170,842	161,578	163,190	159,935	159,325	155,229	151,574	151,079	149,609	145,854	146,233
Debt Longterm And Shortte…
Short Term Borrowings	152	170	224	423	471	450	367	391	386	395	485	453
Long Term Debt	32,036	33,792	35,784	38,252	37,641	37,956	36,684	36,770	37,072	37,145	37,169	37,259
Debt Longterm And Shortterm Combined Amount	32,188	33,962	36,008	38,675	38,112	38,406	37,051	37,161	37,458	37,540	37,654	37,712
Other Liabilities	7,988	7,823	8,726	8,311	8,233	7,651	8,196	7,754	7,628	7,687	7,906	8,149
Liabilities	214,942	213,911	207,460	211,502	207,357	206,527	201,492	197,739	197,340	195,988	192,503	193,376
Stockholders Equity
Preferred Stock Value	1,765	1,765	1,375	881	881	881	881	881	881	881	881	881
Additional Paid In Capital	-	-	0	270	1,179	1,798	2,417	3,389	4,099	4,099	4,108	4,106
Retained Earnings Accumulated Deficit	20,354	20,343	20,768	20,866	20,337	19,802	19,361	18,703	18,102	17,435	16,742	16,267
Accumulated Other Comprehensive Income Loss Net Of…	-230	-72	83	-44	-114	-199	-445	-159	-610	-582	-491	-880
Stockholders Equity	21,900	22,048	22,238	21,986	22,296	22,295	22,228	22,828	22,487	21,848	21,255	20,389
Liabilities And Stockholders Equity	236,842	235,959	229,698	233,488	229,653	228,822	223,720	220,567	219,827	217,836	213,758	213,765
Equity Securities Fv Ni Cost	95	83	83	78	78	78	79	70	75	75	75	75
Debt Securities Available For Sale Amortized Cost …	34,510	33,663	31,952	35,187	33,381	34,340	34,512	28,502	27,959	25,791	20,688	17,836
Held To Maturity Securities Fair Value	8,214	8,360	8,491	8,838	8,888	8,973	8,702	9,168	8,946	8,479	8,503	8,152
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	20	20	20	20	20	20	20	20	20	20	20	20

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.08%	6.62%	10.81%	-	-	-	-	-	-	-	-	-
2025	0.50%	6.37%	13.94%	8.63%	1.32%	-2.80%	3.36%	20.02%	10.99%	-7.91%	2.59%	-2.55%
2024	-1.90%	-2.75%	21.90%	3.61%	-5.83%	-3.98%	5.71%	-1.78%	2.49%	-11.71%	-19.04%	-10.05%
2023	-	-	-	-	-	-	0.03%	-0.15%	-1.65%	0.64%	2.36%	13.30%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.54	-0.56	-0.57	-0.57	-0.56	-0.54	-0.07	0.40	1.01	1.79	4.28	5.31
Per Share Metrics
Diluted EPS TTM	197.65	185.75	165.28	182.19	181.08	186.30	193.62	180.16	185.97	184.23	788.60	766.35
Free Cash Flow Per Share TTM	212.99	188.60	170.20	186.55	196.72	161.10	178.43	157.28	172.83	208.35	155.22	174.97
Dividend Per Share TTM	15.26	14.59	12.69	9.73	9.37	11.86	11.02	10.78	9.84	8.94	8.05	7.09
Margin Metrics
Gross Profit Margin TTM	-58.70%	-1,720.45%	-1,766.17%	-1,765.93%	-1,794.81%	-1,860.23%	-1,927.24%	-2,404.57%	-2,260.09%	-2,050.43%	-1,753.21%	-1,083.84%
Operating Profit Margin TTM	103.51%	1,124.54%	1,116.92%	1,072.59%	1,117.78%	1,226.89%	1,397.67%	1,629.68%	1,656.05%	1,569.57%	5,539.91%	5,133.62%
Net Profit Margin TTM	74.73%	823.42%	807.89%	867.04%	887.78%	957.95%	1,080.54%	1,182.65%	1,212.11%	1,164.35%	5,259.63%	4,865.50%
Growth Metrics
Net Revenue Growth (1Y)	1,030.00%	1.89%	3.50%	23.29%	21.08%	14.78%	17.89%	-4.37%	12.06%	38.55%	40.65%	55.89%
Net Income Growth (1Y)	-4.88%	-12.42%	-22.61%	-9.61%	-11.32%	-5.56%	-75.78%	-76.75%	-74.76%	-73.95%	994.08%	1,086.58%
EPS Growth (1Y)	9.15%	-0.29%	-14.64%	1.12%	-2.63%	1.10%	-75.47%	-76.51%	-74.77%	-73.96%	1,069.70%	1,183.26%
Valuation Metrics
P/E TTM	10.53	10.14	12.96	9.79	10.76	9.90	10.85	10.15	8.98	8.80	1.78	1.78
P/B TTM	1.10	1.02	1.25	1.04	1.16	1.12	1.35	1.15	1.08	1.08	0.96	0.97
P/S TTM	7.87	83.46	104.69	84.87	95.52	94.84	117.19	120.00	108.87	102.41	93.64	86.60
Market Cap	24.00B	22.45B	27.85B	22.92B	25.79B	25.04B	30.12B	26.28B	24.28B	23.55B	20.41B	19.83B
Enterprise Value	54.67B	55.33B	63.05B	60.72B	63.01B	62.63B	66.35B	62.58B	60.97B	60.40B	57.16B	56.75B
Calculated Values
Free Cash Flow TTM	2.46B	2.25B	2.21B	2.40B	2.60B	2.19B	2.56B	2.26B	2.51B	3.03B	2.26B	2.54B
Net Debt	30.67B	32.88B	35.21B	37.80B	37.22B	37.59B	36.24B	36.30B	36.69B	36.84B	36.75B	36.92B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-05Purchase

Owner: Holding, Frank B Jr

Title: Chairman and CEO

Shares: 137

Price/Share: $2014.69

Value: $276,012.53

Shares Owned: 64,572

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2026-06-04Purchase

Owner: Holding, Frank B Jr

Title: Chairman and CEO

Shares: 25

Price/Share: $1794.99

Value: $44,874.75

Shares Owned: 63,572

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2026-06-04Sale

Owner: Alemany, Ellen R

Title: -

Shares: 2,520

Price/Share: $2046.02

Value: $5,155,970.40

Shares Owned: 45

Relationship: Director

Ownership: Indirect

2026-05-12Purchase

Owner: Holding, Frank B Jr

Title: Chairman and CEO

Shares: 5,940

Price/Share: $1726.82

Value: $10,257,310.80

Shares Owned: 38,111

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

2026-05-12Sale

Owner: Holding, Frank B Jr

Title: Chairman and CEO

Shares: 5,346

Price/Share: $1918.69

Value: $10,257,316.74

Shares Owned: 100,654

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-05	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	137	2014.69	$276,012.53	64,572	4
2026-06-04	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	25	1794.99	$44,874.75	63,572	4
2026-06-04	Alemany, Ellen R	Director	-	Indirect	Sale	2,520	2046.02	$5,155,970.40	45	4
2026-05-12	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Indirect	Purchase	5,940	1726.82	$10,257,310.80	38,111	4
2026-05-12	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Indirect	Sale	5,346	1918.69	$10,257,316.74	100,654	4
2026-03-19	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	92	1550.00	$142,600.00	2,841	4
2026-03-13	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	134	1550.00	$207,700.00	2,749	4
2026-03-05	Snow, Ralph Mattox Iii	Director	-	Direct	Purchase	11	1944.22	$21,386.42	121	4
2025-11-26	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Indirect	Purchase	135	1629.62	$219,998.70	2,527	4
2025-11-13	Alemany, Ellen R	Director	-	Direct	Purchase	300	1000.00	$300,000.00	300	4
2025-08-07	Holding, Olivia Britton	TenPercentOwner	-	Indirect	Purchase	409	1630.00	$666,670.00	1,764	4
2025-08-07	Bryant, Hope Holding	Director,Officer	Vice Chairwoman	Indirect	Purchase	409	1630.00	$666,670.00	1,764	4
2025-08-07	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Indirect	Purchase	600	1699.17	$1,019,502.00	32,300	4
2025-08-05	Snow, Ralph Mattox Iii	Director	-	Direct	Purchase	10	1888.60	$18,886.00	110	4
2025-08-04	Nix, Craig L	Officer	Chief Financial Officer	Direct	Purchase	6	1958.74	$11,752.44	1,147	4
2025-07-29	Holding, Olivia Britton	TenPercentOwner	-	Indirect	Purchase	66	1735.00	$114,510.00	121,926	4
2025-05-02	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	350	1610.00	$563,500.00	2,758	4
2025-03-10	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	400	1496.01	$598,404.00	2,608	4
2025-03-07	Nix, Craig L	Officer	Chief Financial Officer	Direct	Purchase	17	1881.13	$31,979.21	1,141	4
2024-05-09	Alemany, Ellen R	Director	-	Indirect	Sale	484	1750.12	$847,058.08	335	4
2024-05-03	Alemany, Ellen R	Director	-	Indirect	Sale	516	1750.00	$903,000.00	819	4
2024-04-29	Alemany, Ellen R	Director	-	Indirect	Sale	1,000	1759.38	$1,759,380.00	1,335	4
2024-03-20	Alemany, Ellen R	Director	-	Direct	Sale	600	1559.09	$935,454.00	4,842	4
2024-02-21	Holding, Olivia Britton	TenPercentOwner	-	Indirect	Purchase	166	1315.00	$218,290.00	121,860	4
2024-02-20	Bryant, Hope Holding	Director,Officer,TenPercentOwner	Vice Chairwoman	Indirect	Purchase	466	1314.95	$612,766.70	1,723	4
2024-02-20	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	622	1315.00	$817,930.00	97,609	4
2024-02-05	Holding, Olivia Britton	TenPercentOwner	-	Indirect	Purchase	11	1315.00	$14,465.00	121,228	4
2023-12-19	Alemany, Ellen R	Director	-	Direct	Sale	2,280	1450.64	$3,307,459.20	12,097	4
2023-12-15	Alemany, Ellen R	Director	-	Direct	Sale	720	1453.28	$1,046,361.60	14,377	4
2023-11-14	Alemany, Ellen R	Director	-	Direct	Sale	2,000	1452.23	$2,904,460.00	15,097	4
2023-09-19	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	110	1150.00	$126,500.00	97,442	4
2023-09-08	Nix, Craig L	Officer	Chief Financial Officer	Direct	Purchase	5	1324.12	$6,620.60	1,124	4
2023-08-07	Alemany, Ellen R	Director,Officer	Special Advisor to Chairman	Direct	Sale	1,500	1500.28	$2,250,420.00	17,097	4
2023-06-16	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Purchase	3,700	1233.13	$4,562,581.00	97,332	4
2023-06-16	Holding, Frank B Jr	Director,Officer,TenPercentOwner	Chairman and CEO	Direct	Sale	3,515	1298.03	$4,562,575.45	524,988	4
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Institutional Ownership

No data available for chart

2026-03-31

55.05%

Inst. Shares: 6,564,255

Shares Outstanding: 11,924,899

2025-12-31

54.07%

Inst. Shares: 7,030,056

Shares Outstanding: 13,002,455

2025-09-30

54.99%

Inst. Shares: 7,066,044

Shares Outstanding: 12,849,339

2025-06-30

59.19%

Inst. Shares: 7,835,669

Shares Outstanding: 13,237,226

2025-03-31

58.40%

Inst. Shares: 7,927,572

Shares Outstanding: 13,575,231

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,564,255	11,924,899	55.05%
2025-12-31	7,030,056	13,002,455	54.07%
2025-09-30	7,066,044	12,849,339	54.99%
2025-06-30	7,835,669	13,237,226	59.19%
2025-03-31	7,927,572	13,575,231	58.40%
2024-12-31	8,240,948	14,341,872	57.46%
2024-09-30	8,307,706	14,375,974	57.79%
2024-06-30	8,717,046	14,534,499	59.97%
2023-12-31	8,394,930	14,527,902	57.78%
2023-09-30	8,473,328	14,528,310	58.32%
2023-06-30	8,680,345	14,528,134	59.75%
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FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) — SEC Financial Statements & Analysis

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) is a state commercial banks company, incorporated in DE. FIRST CITIZENS BANCSHARES INC /DE/ trades on Nasdaq, OTC as: FCNCA, FCNCB, FCNCN, FCNCO, FCNCP. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST CITIZENS BANCSHARES INC /DE/ reported a 1030.00% year-over-year revenue growth, a Gross Profit Margin of -58.70% (TTM), a Price-to-Sales (P/S) ratio of 7.87x (TTM), a Price-to-Book (P/B) ratio of 1.10x (TTM), at a market cap of $24.00B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1030.00%
Gross Profit Margin TTM: -58.70%
P/S TTM: 7.87x
P/B TTM: 1.10x
Market Cap: $24.00B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST CITIZENS BANCSHARES INC /DE/ in?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) operates in the State Commercial Banks industry.

What is FCNCA's market cap?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) has a market capitalization of $24.00B as of 2026-06-30.

What is FCNCA's P/E ratio?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA)'s trailing twelve month P/E ratio is 10.53x as of 2026-06-30.

What exchange does FCNCA trade on?

FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) trades on the Nasdaq, OTC.

Where is FIRST CITIZENS BANCSHARES INC /DE/ incorporated?

FIRST CITIZENS BANCSHARES INC /DE/ is incorporated in DE.