Fundamental analysis · SEC EDGAR · TTM through 31/03/2026

Fundamental analysis of First Citizens Bancshares Inc

FCNCA · Nasdaq · Financial

Fundamental quality

ATTRACTIVE

88

out of 100

Breakdown by area

I.GrowthEPS growth: 33.8% · Revenue growth: 21.5%
92
II.ProfitabilityNet margin: 23.6% · ROE: 10.2%
76
III.Financial healthFCF: 23.5%
95

Source: SEC EDGAR · TTM through 31/03/2026

The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its profitability drags it down the most.

Strengths

  • High net margin (23.6%), a sign of a very profitable business.
  • Growing revenue (21.5% annualized).
  • Growing earnings per share (33.8% annualized).
  • Strong free-cash-flow generation (FCF margin of 23.5%).

Risks and weaknesses

  • No clear weaknesses in the recent fundamentals, though the system doesn't assess qualitative factors (competition, regulation, management).

Historical evolution

YearRevenueNet incomeFree cash flowNet debt
20225,0821,0982,636
202318,78711,4662,255
20249,7582,7772,559
20259,5412,2062,213

Between 2022 and 2025, revenue went from $5,082M to $9,541M (+88%) and net income went from $1,098M to $2,206M (+101%).

Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.

Frequently asked questions

Is First Citizens Bancshares Inc a profitable company?

Yes. First Citizens Bancshares Inc shows a net margin of 23.6% and an ROE of 10.2%, a sign of a profitable business.

Is First Citizens Bancshares Inc growing?

Its revenue has grown 21.5% annualized in recent years and its earnings per share 33.8%.

Does First Citizens Bancshares Inc generate cash?

Yes. It converts about 23.5% of its revenue into free cash flow.

The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.

Is First Citizens Bancshares Inc cheap or expensive?

That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).

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