FCNCP

First Citizens BancShares, Inc.

Financial Services · USD

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Price alert · FCNCP

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17.86 USD +0.01 +0.06%
As of Oct 30, 2026 Extended hours 17.83 -0.16%
Bid
17.85 × 1
Ask
17.87 × 1
17.79 Day range 18.00
17.36 52-week range 22.40
YTD
-11.58%
1 year
-20.09%
Open
17.81
Prev close
17.85
Mkt cap
26.87B
Vol
38.65K
Avg vol
19.56K
EPS
57.47
P/E
0.31
Div yield
7.53%
More statistics
Low
17.79
High
18.00
Forward P/E
0.00
Beta
0.58
Short ratio
0.25
Inst. own
16.07%
Dividend
1.34
Ex-div date
Nov 29, 2026
Earnings
Jan 22, 2027
50-d avg
18.73
200-d avg
20.30
1y target
0.00

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Financial health

Altman Z-Score

0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

S-5 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 5
  • P/E 5
  • P/B 5

Valuation

P/E 12.9×
FY 2016: 18.9×FY 2017: 14.9×FY 2018: 11.2×FY 2019: 13.0×FY 2020: 12.1×FY 2021: 15.4×FY 2022: 11.2×FY 2023: 1.8×FY 2024: 11.2×FY 2025: 12.9×
FY 2016 5y median 11.2× FY 2025
P/S 1.8×
FY 2016: 3.2×FY 2017: 3.3×FY 2018: 2.8×FY 2019: 3.3×FY 2020: 3.0×FY 2021: 4.3×FY 2022: 2.3×FY 2023: 1.6×FY 2024: 2.0×FY 2025: 1.8×
FY 2016 5y median 2.0× FY 2025
P/B 1.2×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.7×FY 2020: 1.4×FY 2021: 1.7×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 12.8×
FY 2016: 28.7×FY 2017: 17.9×FY 2018: 14.4×FY 2019: 13.0×FY 2020: 23.8×FY 2021: -20.8×FY 2022: 6.3×FY 2023: 16.7×FY 2024: 20.9×FY 2025: 12.8×
FY 2016 5y median 12.8× FY 2025
EV/EBITDA 12.4×
FY 2016: 11.2×FY 2017: 9.2×FY 2018: 8.2×FY 2019: 9.6×FY 2020: 9.7×FY 2021: 0.6×FY 2022: 7.0×FY 2023: 2.0×FY 2024: 12.2×FY 2025: 12.4×
FY 2016 5y median 7.0× FY 2025
EV/Sales 2.9×
FY 2016: 3.9×FY 2017: 4.2×FY 2018: 3.2×FY 2019: 3.8×FY 2020: 3.8×FY 2021: 0.3×FY 2022: 2.6×FY 2023: 1.9×FY 2024: 3.0×FY 2025: 2.9×
FY 2016 5y median 2.6× FY 2025
FCF Yield 7.8%
FY 2016: 3.5%FY 2017: 5.6%FY 2018: 7.0%FY 2019: 7.7%FY 2020: 4.2%FY 2021: -4.8%FY 2022: 15.8%FY 2023: 6.0%FY 2024: 4.8%FY 2025: 7.8%
FY 2016 5y median 6.0% FY 2025

Profitability

Gross Margin 61.4%
FY 2016: 94.3%FY 2017: 95.2%FY 2018: 95.9%FY 2019: 93.1%FY 2020: 92.0%FY 2021: 98.7%FY 2022: 78.2%FY 2023: 60.0%FY 2024: 62.2%FY 2025: 61.4%
FY 2016 5y median 62.2% FY 2025
Operating Margin 20.5%
FY 2016: 26.2%FY 2017: 37.4%FY 2018: 31.7%FY 2019: 33.1%FY 2020: 32.3%FY 2021: 36.9%FY 2022: 26.7%FY 2023: 95.6%FY 2024: 24.0%FY 2025: 20.5%
FY 2016 5y median 26.7% FY 2025
Net Margin 15.2%
FY 2016: 16.8%FY 2017: 22.3%FY 2018: 25.2%FY 2019: 25.5%FY 2020: 25.7%FY 2021: 28.8%FY 2022: 21.5%FY 2023: 90.7%FY 2024: 18.6%FY 2025: 15.2%
FY 2016 5y median 21.5% FY 2025
ROE 9.9%
FY 2016: 7.5%FY 2017: 9.7%FY 2018: 11.5%FY 2019: 12.8%FY 2020: 11.6%FY 2021: 11.5%FY 2022: 11.4%FY 2023: 53.9%FY 2024: 12.5%FY 2025: 9.9%
FY 2016 5y median 11.5% FY 2025
ROIC 3.3%
FY 2016: 4.7%FY 2017: 6.2%FY 2018: 8.5%FY 2019: 8.5%FY 2020: 7.5%FY 2021: 7.9%FY 2022: 5.6%FY 2023: 17.1%FY 2024: 4.1%FY 2025: 3.3%
FY 2016 5y median 5.6% FY 2025
ROA 1.0%
FY 2016: 0.7%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 5.4%FY 2024: 1.2%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue -3.0%
FY 2016: 2.6%FY 2017: 8.4%FY 2018: 9.4%FY 2019: 12.6%FY 2020: 7.0%FY 2021: -0.9%FY 2022: 168.4%FY 2023: 148.0%FY 2024: 18.2%FY 2025: -3.0%
FY 2016 FY 2025
Operating Income -17.3%
FY 2016: 5.6%FY 2017: 54.9%FY 2018: -7.4%FY 2019: 17.6%FY 2020: 4.4%FY 2021: 13.4%FY 2022: 94.3%FY 2023: 786.7%FY 2024: -70.3%FY 2025: -17.3%
FY 2016 FY 2025
EPS (diluted) -12.5%
FY 2016: 7.1%FY 2017: 43.6%FY 2018: 24.4%FY 2019: 22.4%FY 2020: 15.7%FY 2021: 13.4%FY 2022: 25.1%FY 2023: 1064.0%FY 2024: -75.9%FY 2025: -12.5%
FY 2016 FY 2025
Free Cash Flow 42.5%
FY 2016: 3.7%FY 2017: 81.9%FY 2018: 15.8%FY 2019: 45.9%FY 2020: -46.8%FY 2021: -260.9%FY 2022: 577.0%FY 2023: -33.9%FY 2024: 17.9%FY 2025: 42.5%
FY 2016 FY 2025

Financial Health

Current Ratio 1.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 1.0×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 1.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 1.0×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 1.6×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.7×FY 2023: 1.8×FY 2024: 1.7×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA 4.6×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.0×FY 2019: 1.3×FY 2020: 2.0×FY 2021: -9.1×FY 2022: 0.8×FY 2023: 0.3×FY 2024: 4.1×FY 2025: 4.6×
FY 2016 5y median 0.8× FY 2025
Interest Coverage 0.6×
FY 2016: 8.1×FY 2017: 12.4×FY 2018: 13.7×FY 2019: 6.4×FY 2020: 6.4×FY 2021: 11.5×FY 2022: 2.9×FY 2023: 3.3×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 2.9× FY 2025

Dividends

Dividend Yield 0.6%
FY 2016: 0.3%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 0.3%FY 2020: 0.5%FY 2021: 0.5%FY 2022: 0.7%FY 2023: 0.6%FY 2024: 0.5%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025
Payout Ratio 7.3%
FY 2016: 6.4%FY 2017: 4.5%FY 2018: 4.2%FY 2019: 4.0%FY 2020: 6.1%FY 2021: 7.7%FY 2022: 7.6%FY 2023: 1.0%FY 2024: 5.7%FY 2025: 7.3%
FY 2016 5y median 7.3% FY 2025

Annual · latest fiscal year ends 2025-12-31