First Citizens BancShares, Inc. logo FCNCA - First Citizens BancShares, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 4
HOLD 7
SELL 0
STRONG
SELL
0
| PRICE TARGET: $2,234.20 DETAILS
HIGH: $2,346.00
LOW: $2,050.00
MEDIAN: $2,300.00
CONSENSUS: $2,234.20
UPSIDE: 12.18%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 14,497 14,940 12,638 5,096 1,899 1,916 1,790.3 1,589.3 1,452.8 1,340.0 1,305.6 1,045.9 1,064.2 1,197.1 1,329.1 1,239.6 1,037.2 1,126.8 1,199.5 1,101.7 927.2 772.4 754.4 816.5 930.1 910.4 799.2 764.9 687.2 637.5 563.2 459.3 450.6
Cost of Revenue 5,590 5,641 5,054 1,112 24 154 124.1 65.3 69.5 76.0 65.0 51.0 24.4 233.0 376.5 338.6 307.0 380.9 457.3 374.7 251.7 168.3 172.7 240.6 370.6 358.3 293.3 312 276.7 257.2 230.1 150.9 153.2
Gross Profit 8,907 9,299 7,584 3,984 1,875 1,762 1,666.2 1,524.0 1,383.3 1,264.0 1,240.6 994.9 1,039.8 964.1 952.6 900.9 730.2 746.0 742.2 727.0 675.5 604.1 581.7 575.9 559.4 552.0 505.9 452.9 410.5 380.3 333.1 308.4 297.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 4,248 3,511 3,118 1,681 783 745 703.1 686.9 642.2 559.1 561.4 442.2 409.6 396.6 397.1 385.8 446.5 323.3 304.1 286.1 271.7 263.7 245.7 229.0 216.0 200.9 190.9 169.5 150.2 135.9 123.7 113.8 106.1
Other Expenses 1,688 2,196 (7,611) 941 391 399 371.1 333.5 197.4 353.9 346.8 349.1 361.8 370.4 245.4 211.6 100.6 283.1 270.6 244.9 225.2 216.2 219.4 203.4 205.7 193.9 184.6 172.7 150.2 142.7 122.1 116.7 107.1
Operating Expenses 5,936 5,707 (4,493) 2,622 1,174 1,144 1,074.2 1,020.4 839.6 913.0 908.2 791.3 771.4 766.9 642.5 597.4 547.1 606.4 574.7 531.1 496.9 479.9 465.1 432.4 421.7 394.8 375.5 342.2 300.4 278.6 245.8 230.5 213.2
Operating Income
Operating Income 2,971 3,592 12,077 1,362 701 618 592.0 503.6 543.7 351.1 332.4 203.6 268.4 197.1 310.1 303.6 183.1 139.6 167.6 195.9 178.7 124.2 116.6 143.5 137.7 157.3 130.4 110.7 110.1 101.7 87.3 77.9 84.2
Interest Expense 4,964 5,210 3,679 467 61 96 92.6 36.9 43.8 43.1 44.3 50.4 56.6 90.1 144.2 195.1 227.6 314.9 423.7 353.7 218.2 133.8 148.5 214.0 346.5 342.8 281.6 292.1 268 248.3 224.7 148.1 138
Interest Income 11,778 12,353 10,391 3,413 1,451 1,484 1,404.0 1,245.8 1,103.7 987.8 969.2 760.4 796.8 1,004.8 1,015.2 969.4 738.2 813.4 904.1 830.3 669.5 521.1 510.5 596.2 715.4 708.2 633.9 619.5 572.3 534.2 471.1 376 364.9
Profitability
EBITDA 3,398 3,722 12,020 1,895 844 751 719.7 624.0 657.3 461.7 443.0 286.0 341.6 269.5 375.3 366.3 242.8 195.6 217.3 246.6 226.2 177.3 178.6 208.5 193.7 197.9 185.7 159.4 138.4 138.5 129.7 125.2 118
EBIT 2,971 3,592 12,077 1,362 701 618 592.0 503.6 543.7 351.1 332.4 203.6 268.4 197.1 310.1 303.6 183.1 139.6 167.6 195.9 178.7 124.2 116.6 143.5 137.7 157.3 130.4 110.7 110.1 101.7 87.3 77.9 84.2
Income Before Tax 2,971 3,592 12,077 1,362 701 618 592.0 503.6 543.7 351.1 332.4 203.6 268.4 197.1 310.1 303.6 183.1 139.6 167.6 195.9 178.7 124.2 116.6 143.5 137.7 157.3 130.4 110.7 110.1 101.7 87.3 77.9 84.2
Income Tax Expense 765 815 611 264 154 126 134.7 103.3 219.9 125.6 122.0 65.0 101.6 64.7 115.1 110.5 66.8 48.5 58.9 69.5 65.8 49.4 41.4 50.8 50.8 58.9 48.6 39.7 39.5 36.2 30.4 26.9 28.6
Net Income 2,206 2,777 11,466 1,098 547 492 457.4 400.3 323.8 225.5 210.4 138.6 166.9 132.4 195.0 193.0 116.3 91.1 108.6 126.5 112.9 74.8 75.2 92.8 86.9 98.3 81.8 71 70.6 65.5 56.9 51 55.6
Per Share Data
EPS (Basic) 165.76 189.42 785.18 67.47 53.88 47.50 41.05 33.53 26.96 18.77 17.52 13.56 17.43 13.11 18.80 18.50 11.08 8.73 10.41 12.12 10.82 7.17 7.19 8.85 8.27 9.32 7.70 6.62 6.22 5.77 5.37 5.13 5.73
EPS (Diluted) 165.76 189.41 784.55 67.40 53.88 47.50 41.05 33.53 26.96 18.77 17.52 13.56 17.43 13.11 18.80 18.50 11.08 8.73 10.41 12.12 10.82 7.17 7.19 8.85 8.27 9.32 7.70 6.62 6.22 5.77 5.37 5.13 5.73
Shares Outstanding 12.4 14.3 14.5 15.5 9.8 10.1 11.1 11.9 12.0 12.0 12.0 10.2 9.6 10.2 10.4 10.4 10.4 10.4 10.4 10.4 10.4 10.4 10.5 10.5 10.5 10.6 10.6 10.6 11.3 11.3 10.6 9.9 9.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 20,602 22,178 34,517 5,543 9,453 362.0 376.7 327.4 336.1 539.7 1,203.5 768.0 679.7 790.2 811.7 759.0 755.9 591.6 503 506.8 437 448.6 455.7 392.9
Short-Term Investments 232 33,908 19,936 8,995 9,203 11,361.6 8,167.5 5,354.5 8,568.1 8,879.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 146,364 3,490 3,209 2,873 1,204 212.2 123.2 109.9 95.2 79.8 249.8 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 804 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 168,002 59,576 57,662 17,411 19,897.7 11,976.3 8,667.4 5,791.9 8,999.5 9,498.8 1,453.3 768.0 679.7 790.2 811.7 759.0 755.9 591.6 503 506.8 437 448.6 455.7 392.9
Non-Current Assets
Property, Plant & Equipment 12,068 11,645 10,977 9,957 1,297 1,319.3 1,244.4 1,204.2 1,138.4 1,133.0 837.1 798.9 568.4 539.6 507.3 483.1 444.7 397.4 367.1 278.5 229.5 208.2 188.8 184.9
Goodwill 346 346 346 346 346 350.3 349.4 236.3 150.6 150.6 102.6 102.6 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 195 276 337 165 42 50.8 68.3 72.3 73.1 78.0 6.4 3.8 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 41,564 150,259 142,435 79,101 36,280 35,765.0 28,837.6 27,846.0 23,648.1 21,593.6 15,645.9 14,786.9 11,356.0 10,676.7 10,047.0 9,880.4 8,823.8 8,024.2 8,259.8 7,844.7 6,987.9 6,485.3 5,535.1 5,329.7
Other Non-Current Assets 7,523 1,618 1,528 2,318 446.3 496.0 657.5 481.6 739.7 536.8 420.8 285.4 546.9 437.4 866 742.5 667.2 703.9 475.9 321.1 401.2 241.9 153.7 193.5
Total Non-Current Assets 61,696 164,144 155,623 91,887 38,411.3 37,981.4 31,157.1 29,616.8 25,528.0 23,492.1 17,012.7 15,977.7 12,586.0 11,769.7 11,420.2 11,106.0 9,935.7 9,125.5 9,102.8 8,362.5 7,618.6 6,895 5,870.8 5,688.1
Total Assets 229,698 223,720 213,758 109,298 58,309 49,957.7 39,824.5 35,408.6 34,527.5 32,990.8 18,466.1 16,745.7 13,265.7 12,559.9 12,231.9 11,865.0 10,691.6 9,717.1 9,605.8 8,951.1 8,055.6 7,384 6,333.3 6,101
Current Liabilities
Account Payables 0 134 137 57 8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 224 367 485 2,186 589 641.5 443.0 572.3 678.8 603.5 642.4 647.0 447.7 430.2 462.6 611.4 632.4 568.3 568.1 593.8 392 376.5 290.9 236.5
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 162,726 155,229 145,854 89,408 51,398 43,431.6 34,431.2 30,672.5 29,266.3 28,161.3 15,337.6 13,713.8 11,350.8 10,711.3 10,439.6 9,961.6 8,971.9 8,173.6 8,112.4 7,579.6 6,954.1 6,388 5,517.6 5,358.2
Total Current Liabilities 162,950 155,730 146,873 91,926 51,995 44,073.1 34,874.2 31,244.7 29,945.1 28,764.8 15,980.0 14,360.8 11,798.5 11,141.5 10,902.2 10,573.0 9,604.2 8,741.9 8,680.5 8,173.4 7,346.1 6,764.5 5,808.5 5,594.7
Non-Current Liabilities
Long-Term Debt 35,784 36,669 37,161 4,452 1,191 1,241.9 883.9 348.2 877.4 827.2 797.4 733.1 285.9 289.3 253.4 284.0 154.3 155.7 158.8 10.9 6.9 23 34.5 60.3
Deferred Tax Liabilities 0 3,534 3,579 286 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 8,726 5,187 4,486 2,613 381 407.2 480.2 313.6 363.1 380.6 129.6 208.4 95.0 99.8 108.9 122.9 122.3 90.7 105.8 165.2 87.1 75.7 40.9 56.9
Total Non-Current Liabilities 44,510 45,762 45,630 7,710 1,576 1,655.3 1,364.1 674.9 1,248.4 1,213.6 927.0 941.5 380.9 389.1 362.4 407.0 276.6 246.4 264.6 176.1 94 98.7 75.4 117.2
Total Liabilities 207,460 201,492 192,503 99,636 53,571 45,728.4 36,238.3 31,919.7 31,193.4 29,978.4 16,906.9 15,302.3 12,179.4 11,530.6 11,264.6 10,979.9 9,880.9 8,988.3 8,945.1 8,349.5 7,440.1 6,863.2 5,883.9 5,711.9
Stockholders' Equity
Common Stock 12 14 15 15 10 9.8 10.6 11.6 12.0 12.0 10.4 10.4 10.4 10.4 10.5 10.5 10.5 10.6 10.6 0 0 0 0 0
Retained Earnings 20,768 19,361 16,742 5,392 4,378 3,867.3 3,658.2 3,218.6 2,785.4 2,476.7 1,429.9 1,326.1 927.6 864.5 804.4 723.1 650.1 567.8 497.3 437.8 453.6 403.2 356.6 317.6
Accumulated Other Comprehensive Income 83 (445) (491) (735) 10 12.3 (126.7) (235.2) (122.3) (135.2) (24.9) (36.9) 4.5 10.6 8.7 7.7 6.3 6.6 9 9.5 6.7 0 0 0
Total Stockholders' Equity 22,238 22,228 21,255 9,662 4,738 4,229.3 3,586.2 3,489.0 3,334.1 3,012.4 1,559.1 1,443.4 1,086.3 1,029.3 967.3 885.0 810.7 728.8 660.7 601.6 615.5 520.8 449.4 389.1
Total Liabilities & Equity 229,698 223,720 213,758 109,298 58,309 49,957.7 39,824.5 35,408.6 34,527.5 32,990.8 18,466.1 16,745.7 13,265.7 12,559.9 12,231.9 11,865.0 10,691.6 9,717.1 9,605.8 8,951.1 8,055.6 7,384 6,333.3 6,101
Debt Metrics
Total Debt 36,008 37,408 38,050 6,997 1,784 1,889.7 1,326.9 933.7 1,564.0 1,436.4 1,439.8 1,380.2 733.6 719.5 716.0 895.4 786.7 724 726.9 604.7 398.9 399.5 325.4 296.8
Net Debt 15,406 15,230 3,533 1,454 (7,669) 1,527.6 950.2 606.2 1,227.9 896.7 236.3 612.2 53.9 (70.7) (95.6) 136.4 30.8 132.4 223.9 97.9 (38.1) (49.1) (130.3) (96.1)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 2,206 2,777 11,466 1,098 547 492 457.4 400.3 323.8 225.5 112.9 74.8 75.2 92.8 86.9 98.3 81.8 71 70.6 65.5 56.9 51 55.6
Depreciation & Amortization 405 130 (57) 533 143 133 127.7 120.4 113.6 110.6 47.5 53.1 62.0 65.0 56.0 40.7 55.3 48.7 28.3 36.8 42.4 47.3 33.8
Stock-Based Compensation 0 0 5 19 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (112) (529) (173) 744 (728) (150) (49.6) 16.4 (72.9) (78.1) 183.5 (27.4) (24.6) (34.9) (12.8) 20.0 (20.2) 5.4 20.7 (5.6) 19.3 22.3 (3.8)
Other Non-Cash Items 535 604 (8,416) 191 (238) (73) (11.8) (70.0) (135.1) (60.6) 29.3 14.0 14.9 41.2 214.0 (4.2) 74.9 66.5 (89.5) (2.6) (16.3) 48.6 (34.4)
Operating Cash Flow 2,923 2,988 2,660 2,791 (284) 376 578.2 453.8 355.3 230.5 371.7 111.6 132.6 165.4 343.4 155.3 188.3 185.3 31.6 92.3 100.8 167.6 46.4
Investing Activities
Capital Expenditure (852) (1,535) (1,428) (926) (107) (133) (121.1) (140.4) (84.8) (81.8) (96.1) (72.5) (92.3) (81.3) (79.9) (84.2) (173.8) (92.8) (69) (42.2) (31.1) (20.3) (34.4)
Acquisitions 0 0 810 134 0 (60) (236.7) (155.1) 304.8 (0.7) 0 (2.5) (79.4) 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (14,363) (23,288) (13,052) (2,740) (7,778) (10,633) (5,020.0) (1,551.9) (3,062.0) (3,853.4) (1,696.2) (995.1) (2,334.9) (2,857.6) (2,550.7) (1,394.8) (1,370.5) (891.4) (817.7) (1,155.1) (1,353.2) (207.6) (1,045.7)
Sales/Maturities of Investments 16,804 9,515 3,124 2,074 4,661 8,030 5,052.2 2,933.1 3,188.3 3,978.6 785.1 1,234.4 2,764.8 2,964.0 1,505.7 993.7 1,240.8 1,052.5 550.3 890.4 826.1 592.6 802.1
Other Investing Activities (7,200) 5,153 12,975 1,533 (4,344) (7,112) (1,270.6) (984.4) (1,015.0) (1,143.0) (511.3) (1,029.0) (707.7) (400.7) (249.4) (299.2) 6.5 (645.6) (275.8) (126) (144.8) (502.5) 41.3
Investing Cash Flow (5,611) (10,155) 2,429 75 (7,568) (9,908) (1,596.1) 101.1 (668.7) (1,100.4) (1,518.4) (864.6) (449.4) (375.6) (1,374.3) (784.6) (297) (577.3) (612.2) (432.9) (703) (137.8) (236.7)
Financing Activities
Net Debt Issuance (1,155) (450) (4,879) 505 (106) 562 99.0 (874.0) 123.4 107.6 329.4 14.2 (8.1) (179.4) 108.7 62.7 (3) 122.3 205.8 (17.6) 70 21.6 34.4
Stock Repurchased (3,027) (1,648) 0 (1,240) 0 (334) (453.1) (163.1) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (161) (158) (117) (83) (42) (30) (18.1) (16.8) (14.4) (14.4) (11.5) (11.5) (11.5) (10.5) (10.5) (10.5) (10.6) (10.7) (11.4) (10.6) (8.8) (7.3) (6.1)
Other Financing Activities 6,524 9,329 297 (1,868) 7,976 8,979 1,439.4 490.2 0.9 780.4 927.1 640.1 318.6 453.7 939.2 747.0 211.6 351.1 458 357.5 532.4 20 182.1
Financing Cash Flow 2,675 7,073 (4,699) (2,686) 7,828 9,517 1,067.2 (563.6) 109.8 875.5 1,245.0 642.5 295.3 262.9 1,033.9 793.7 197.3 388.2 650.3 329 595.1 33 216.8
Cash Position
Net Change in Cash (13) (94) 390 180 (24) (15) 49.3 (8.7) (203.6) 5.7 98.2 (110.5) (21.5) 52.7 3.1 164.3 88.6 (3.8) 69.8 (448.6) (455.7) (392.9) (366.3)
Cash at Beginning 814 908 518 338 362 377 327.4 336.1 539.7 534.1 679.7 790.2 811.7 759.0 755.9 591.6 503 506.8 437 448.6 455.7 392.9 366.3
Cash at End 801 814 908 518 338 362 376.7 327.4 336.1 539.7 777.9 679.7 790.2 811.7 759.0 755.9 591.6 503 506.8 0 0 0 0
Free Cash Flow 2,071 1,453 1,232 1,865 (391) 243 457.2 313.3 270.5 148.7 275.6 39.1 40.4 84.1 263.5 71.0 14.5 92.5 (37.4) 50.1 69.7 147.3 12
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 14,497 14,940 12,638 5,096 1,899 1,916 1,790.3 1,589.3 1,452.8 1,340.0 1,305.6 1,045.9 1,064.2 1,197.1 1,329.1 1,239.6 1,037.2 1,126.8 1,199.5 1,101.7 927.2 772.4 754.4 816.5 930.1 910.4 799.2 764.9 687.2 637.5 563.2 459.3 450.6
Gross Profit 8,907 9,299 7,584 3,984 1,875 1,762 1,666.2 1,524.0 1,383.3 1,264.0 1,240.6 994.9 1,039.8 964.1 952.6 900.9 730.2 746.0 742.2 727.0 675.5 604.1 581.7 575.9 559.4 552.0 505.9 452.9 410.5 380.3 333.1 308.4 297.4
Operating Income 2,971 3,592 12,077 1,362 701 618 592.0 503.6 543.7 351.1 332.4 203.6 268.4 197.1 310.1 303.6 183.1 139.6 167.6 195.9 178.7 124.2 116.6 143.5 137.7 157.3 130.4 110.7 110.1 101.7 87.3 77.9 84.2
Net Income 2,206 2,777 11,466 1,098 547 492 457.4 400.3 323.8 225.5 210.4 138.6 166.9 132.4 195.0 193.0 116.3 91.1 108.6 126.5 112.9 74.8 75.2 92.8 86.9 98.3 81.8 71 70.6 65.5 56.9 51 55.6
EPS (Diluted) 165.76 189.41 784.55 67.40 53.88 47.50 41.05 33.53 26.96 18.77 17.52 13.56 17.43 13.11 18.80 18.50 11.08 8.73 10.41 12.12 10.82 7.17 7.19 8.85 8.27 9.32 7.70 6.62 6.22 5.77 5.37 5.13 5.73
Balance Sheet
Cash & Equivalents 20,602 22,178 34,517 5,543 9,453 362.0 376.7 327.4 336.1 539.7 1,203.5 768.0 679.7 790.2 811.7 759.0 755.9 591.6 503 506.8 437 448.6 455.7 392.9
Total Assets 229,698 223,720 213,758 109,298 58,309 49,957.7 39,824.5 35,408.6 34,527.5 32,990.8 18,466.1 16,745.7 13,265.7 12,559.9 12,231.9 11,865.0 10,691.6 9,717.1 9,605.8 8,951.1 8,055.6 7,384 6,333.3 6,101
Total Debt 36,008 37,408 38,050 6,997 1,784 1,889.7 1,326.9 933.7 1,564.0 1,436.4 1,439.8 1,380.2 733.6 719.5 716.0 895.4 786.7 724 726.9 604.7 398.9 399.5 325.4 296.8
Stockholders' Equity 22,238 22,228 21,255 9,662 4,738 4,229.3 3,586.2 3,489.0 3,334.1 3,012.4 1,559.1 1,443.4 1,086.3 1,029.3 967.3 885.0 810.7 728.8 660.7 601.6 615.5 520.8 449.4 389.1
Cash Flow
Operating Cash Flow 2,923 2,988 2,660 2,791 (284) 376 578.2 453.8 355.3 230.5 371.7 111.6 132.6 165.4 343.4 155.3 188.3 185.3 31.6 92.3 100.8 167.6 46.4
Capital Expenditure (852) (1,535) (1,428) (926) (107) (133) (121.1) (140.4) (84.8) (81.8) (96.1) (72.5) (92.3) (81.3) (79.9) (84.2) (173.8) (92.8) (69) (42.2) (31.1) (20.3) (34.4)
Free Cash Flow 2,071 1,453 1,232 1,865 (391) 243 457.2 313.3 270.5 148.7 275.6 39.1 40.4 84.1 263.5 71.0 14.5 92.5 (37.4) 50.1 69.7 147.3 12