First Citizens BancShares, Inc. operates as a bank holding company, delivering both retail and commercial banking services through its various subsidiary entities. ...
First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a financial holding company offering a diversified range of banking and financial services. Founded in 1986 and based in Raleigh, North Carolina, the company operates through more than 500 branches across the United States. Its General Banking segment serves individual customers with deposit ...First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a financial holding company offering a diversified range of banking and financial services. Founded in 1986 and based in Raleigh, North Carolina, the company operates through more than 500 branches across the United States. Its General Banking segment serves individual customers with deposit accounts, mortgages, and consumer loans, leveraging an extensive branch network. The Commercial Banking segment provides lending products, leasing solutions, and advisory services to small and middle-market businesses. The Rail segment specializes in equipment leasing and secured financing for railroad and shipping companies, contributing to asset diversification. The Corporate segment manages investment securities and interest-bearing cash holdings. As of recent data, the company has approximately 18,141 full-time employees. Under the leadership of CEO Frank Holding, First Citizens has pursued strategic growth, including the acquisition of Silicon Valley Bridge Bank in 2023, which significantly expanded its technology and innovation banking footprint. The company is known for its strong capital position, with a tangible book value per share of over $1,800 and a return on equity of 10.7% (TTM). Financially, it generates substantial revenue, with a TTM revenue per share of $1,238.58 and a net profit margin of 16.5%. The company maintains a disciplined cost structure, with SG&A expenses at 29.3% of revenue, and a moderate dividend payout ratio of 7.2%. Its commitment to innovation and customer service, combined with a solid financial foundation, positions it well for future growth in the competitive banking sector.
Founded
1986
Employees
18141
CEO
Frank Holding
Full Name
First Citizens BancShares Inc. Depositary Shs Repr 1/40th Non-Cum Perp Pfd Registered Shs Ser E
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$14.2B
-2.3%
+4.2%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$2.2B
-20.6%
+25.8%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+61.5%
+0.4%
+4.5%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+20.9%
-15.3%
+21.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+15.5%
-18.7%
+20.8%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$1.4B
-6.3%
+562.0%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+9.6%
-4.1%
+543.5%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
163.4%
-2.9%
-4.6%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.32x
-9.8%
+57.3%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
