First Citizens BancShares, Inc. (FCNCA)
NASDAQ · Financial Services · Banks - Regional
Profile
First Citizens BancShares, Inc.
- Exchange
- NASDAQ
- Ticker
- FCNCA
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- US
First Citizens BancShares, Inc. (FCNCA) functions as the parent company for First-Citizens Bank & Trust Company, offering a comprehensive suite of retail and commercial banking services to individuals, businesses, and professionals. Its deposit offerings encompass various account types, including checking, savings, money market, and certificates of deposit (time deposit accounts). The company's loan portfolio is extensive, featuring commercial credits for construction and land development, commercial mortgages, commercial and industrial (C&I) financing, and lease financing. It also provided Small Business Administration (SBA) Paycheck Protection Program (PPP) loans. For consumers, loan options span residential and revolving mortgages, construction and land development loans, auto financing, and various other personal lending products. Beyond core banking, First Citizens provides treasury management solutions, cardholder and merchant services, and comprehensive wealth management offerings. Its investment product suite encompasses annuities, discount brokerage, and access to third-party mutual funds, complemented by investment management and advisory services. Specialized services further extend to defined benefit and defined contribution plans, insurance, private banking, trust and fiduciary services, philanthropic advisement, and special asset management. Customers can access these diverse products and services through a robust branch network, alongside modern digital banking platforms, telephone banking, and extensive ATM networks. As of December 31, 2021, First Citizens maintained a physical presence with 529 branches spread across 19 states: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and West Virginia. Founded in 1898, the company's corporate headquarters are situated in Raleigh, North Carolina.
Key facts
First Citizens BancShares, Inc.: key facts
- First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a Banks - Regional company in the Financial Services sector.
- In fiscal 2025, First Citizens BancShares, Inc. reported revenue of $14.5B and net income of $2.2B.
- Revenue grew 66.2% a year over the last 4 fiscal years.
- Free cash flow was positive in 4 of the last 5 fiscal years.
- Net income was positive in 5 of the last 5 fiscal years.
- Over the last twelve months, revenue was $14.4B and net income was $2.4B.
MonkScore
First Citizens BancShares, Inc.'s MonkScore
MonkScore
MonkScore range: 20–30
as of October 2026
Sector rank: 608 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth30–40
- Profitability20–30
- Quality10–20
- Market Conviction40–50
- Safety80–90
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
First Citizens BancShares, Inc.'s annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $14.4B | $14.5B | $14.9B | $12.6B | $5.1B | $1.9B |
| Gross profit | $9.4B | $8.9B | $9.3B | $7.6B | $4.0B | $1.9B |
| Operating income | $3.2B | $3.0B | $3.6B | $12.1B | $1.4B | $701.0M |
| Net income | $2.4B | $2.2B | $2.8B | $11.5B | $1.1B | $547.0M |
| Operating cash flow | $2.3B | $2.9B | $3.0B | $2.7B | $2.8B | -$284.0M |
| Capital expenditure | -$712.0M | -$852.0M | -$1.5B | -$1.4B | -$926.0M | -$107.0M |
| Free cash flow | $1.6B | $2.1B | $1.5B | $1.2B | $1.9B | -$391.0M |
| Total debt | $24.5B | $36.0B | $37.4B | $38.1B | $7.0B | $1.8B |
| Cash | $19.3B | $20.6B | $22.2B | $34.5B | $5.5B | $9.5B |
Revenue growth a year
- 1-year
- -3.0%
- 3-year
- 41.7%
- 4-year
- 66.2%
Compound growth between fiscal years.
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Page built on 31 October 2026.