First Citizens BancShares Inc (FCNCA) Financial Statements
Historical financial data — 40 statements covering FY2016–FY2025
First Citizens is a US regional bank with total assets of around $237 billion as of June 30, 2026. Headquartered in Raleigh, North Carolina, First Citizens' largest markets are North Carolina, Sout...
First Citizens BancShares Inc's revenue increased 3.9% year over year, from $1.37B to $1.43B.
Net income decreased 20.6% over the same period, from $2.78B to $2.21B.
Over the 9-year period from FY2016 to FY2025, revenue declined by 3% in total.
Total debt remained relatively stable at $36.01B.
The debt-to-equity ratio stands at 1.62, indicating a elevated leverage profile.
Operating cash flow declined 2.2% to $2.92B.
First Citizens BancShares Inc maintains a strong net profit margin of 154.8%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| Q4 FY2023 | $332.0M-1.2% | $514.0M | N/A | $713.0M | $901.0M | $213.76B | $37.65B | $21.25B |
| Q1 FY2024 | $332.0M+0.0% | $731.0M | N/A | $1.00B | $461.0M | $217.84B | $37.54B | $21.85B |
| Q2 FY2024 | $341.0M+2.7% | $707.0M | N/A | $979.0M | $417.0M | $219.83B | $37.46B | $22.49B |
| Q1 FY2025 | $351.0M+2.9% | $483.0M | N/A | $651.0M | $98.0M | $228.82B | $38.41B | $22.30B |
| Q2 FY2025 | $354.0M+0.9% | $575.0M | N/A | $758.0M | $859.0M | $229.65B | $38.11B | $22.30B |
| Q3 FY2025 | $359.0M+1.4% | $568.0M | N/A | $751.0M | $916.0M | $233.49B | $38.67B | $21.99B |
| Q4 FY2025 | $361.0M+0.6% | $580.0M | N/A | $811.0M | $1.05B | $229.70B | $36.01B | $22.24B |
| Q1 FY2026 | $367.0M+1.7% | $534.0M | N/A | $705.0M | $172.0M | $235.96B | $33.96B | $22.05B |
Balance Sheet Summary (Latest Period)
First Citizens BancShares Inc (FCNCA) Financial Statements & Revenue History
First Citizens BancShares Inc (FCNCA) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry trading at $2067.05 with a market capitalization of $23. This page provides 40 historical financial statements for First Citizens BancShares Inc, including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, First Citizens BancShares Inc reported revenue of $1.4 billion, representing 3.9% year-over-year growth. The net profit margin of 154.8% reflects strong profitability. The debt-to-equity ratio of 1.62 indicates elevated leverage.
FCNCA Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows First Citizens BancShares Inc's revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether FCNCA is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track FCNCA's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently First Citizens BancShares Inc converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of FCNCA's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use FCNCA Financial Data
Investors use First Citizens BancShares Inc's financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare FCNCA's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how FCNCA's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View FCNCA's financial health score, earnings, and pre-market pricing.
Financial data is sourced from First Citizens BancShares Inc's SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.FCNCA trades on NYSE. This page is for informational purposes only and is not financial advice.