Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
FCNCA · Nasdaq · Financial
Fundamental quality
89
out of 100
First Citizens Bancshares Inc grows profitably: it increases revenue at double digits (20% a year) without giving up profitability (net margin 24.5%). On fundamental quality it scores 89 out of 100, profiling it as a company with solid fundamentals. Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
First Citizens is the family bank that swallowed a giant: run by the Holding family for three generations, it leapt from regional bank to colossus by taking over Silicon Valley Bank after its 2023 collapse — the decade's most profitable bank purchase.
EPS growth: 28.3% · Revenue growth: 20%
Net margin: 24.5% · ROE: 10.7%
FCF: 25.6%
Source: SEC EDGAR · TTM through 30/06/2026
The score includes +2 for dividend strength: 9 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength, and here its pillars hold up evenly.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Why isn't a bank measured like other companies? Read the how to analyze a bank guide.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2022 | 5,082 | 1,098 | 2,636 | 6,127 |
| 2023 | 18,787 | 11,466 | 2,255 | 36,746 |
| 2024 | 9,758 | 2,777 | 2,559 | 36,237 |
| 2025 | 9,541 | 2,206 | 2,213 | 35,207 |
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.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$7.95
per share, yearly
7.3% of earnings
Payout
9 straight years raising it
Growth
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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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).
Compute the valuation →Is First Citizens Bancshares Inc a good company to invest in?
In terms of business quality, First Citizens Bancshares Inc scores 89 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is First Citizens Bancshares Inc a profitable company?
Very. First Citizens Bancshares Inc shows a net margin of 24.5% and an ROE of 10.7%, typical of a highly profitable business.
Is First Citizens Bancshares Inc growing?
Its revenue has grown 20% annualized in recent years and its earnings per share 28.3%.
Does First Citizens Bancshares Inc generate cash?
Yes. It converts about 25.6% of its revenue into free cash flow, and has done so positively year after year.
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.
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Who's behind the methodology and model · how the score is computed
Data: see First Citizens Bancshares Inc's filings on EDGAR
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