First Citizens Bancshares Inc (FCNCA)
First Citizens Bancshares Inc brought in $9.6B of revenue over the twelve months to June 30, 2026, up 0.9% from a year earlier. Net income was $2.4B, a net margin of 24.5%. Operating cash flow minus capital spending left $2.2B of free cash flow in fiscal 2025. At June 30, 2026 it held $1.5B in cash against $32B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 7, 2026.
Watch FCNCA in 60 secondsWhat First Citizens Bancshares Inc does
First Citizens Bancshares Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker FCNCA.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $9.5B | $2.2B | $165.24 | $2.2B |
| 2024 | $9.8B | $2.8B | $189.41 | $2.6B |
| 2023 | $18.8B | $11.5B | $784.51 | $2.3B |
| 2022 | $5.1B | $1.1B | $67.40 | $2.6B |
| 2021 | n/a | $547M | $53.88 | -$391M |
| 2020 | n/a | $492M | $47.50 | $243M |
Full financial statements: income, balance sheet and cash flow
Where FCNCA ranks in Finance
Dividends
First Citizens Bancshares Inc declared $7.95 per share in fiscal 2025. At the current price that is a yield of 0.38%. It paid out $161M in cash dividends, 7% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $7.95 | $161M | 7% |
| 2024 | $6.87 | $158M | 6% |
| 2023 | $3.89 | $117M | 1% |
| 2022 | $2.16 | $83M | 8% |
| 2021 | $1.88 | $41.6M | 8% |
| 2020 | $1.67 | $30.4M | 6% |
Latest SEC filings
What First Citizens Bancshares Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- September 14, 2026
- September 10, 2026
- September 9, 2026
- September 9, 2026
- September 8, 2026Other event 8-K
- August 11, 2026Activist stake changed SCHEDULE 13D/A
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 2.5% to $2.4B versus the same quarter last year; diluted EPS $55.52 versus $42.36.
- July 28, 2026Passive stake changed SCHEDULE 13G/A
- July 23, 2026
- May 8, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 0.7% to $2.3B versus the same quarter last year; diluted EPS $42.63 versus $34.47.
What is FCNCA worth? A DCF from its reported cash flow
Insider trades
What the people running First Citizens Bancshares Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $108.4K and sold $136.7K worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 15, 2026 | Holding Olivia Britton10% owner | Soldindirect | 2,000 | $39.2K |
| September 15, 2026 | Holding Olivia Britton10% owner | Soldindirect | 5,000 | $97.5K |
| August 19, 2026 | Morais Diane E.Director | Bought | 46 | $99.7K |
| August 19, 2026 | Morais Diane E.Director | Bought | 4 | $8.7K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 50 | $87.2K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 15 | $26.3K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 15 | $26.5K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 1 | $1.8K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 11 | $19.7K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 61 | $109.7K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 96 | $172.8K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 2 | $3.6K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 15 | $27.2K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 50 | $91.8K |
| June 5, 2026 | Holding Frank B JrChairman and CEO, Director, 10% owner | Bought | 150 | $276K |
Who owns FCNCA
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Olivia B. Holding13D, may seek influence with 4 related filers | 8.93% | August 11, 2026 |
| Harris Associates L P13G, passive with 1 related filers | 8.1% | February 17, 2026 |
Largest institutional holders
Insiders
9 insiders reported holding 1,615,466 shares in total, about $3.39B at the last price.
| Holder | Shares |
|---|---|
| Holding Olivia Britton10% owner | 674,635674,635 held indirectly |
| Holding Frank B JrChairman and CEO, Director, 10% owner | 405,454138,765 held indirectly |
| Bristow Peter MPresident, Director, 10% owner | 165,557165,557 held indirectly |
| Bryant Hope HoldingVice Chairwoman, Director | 158,762158,762 held indirectly |
| Brice Carson H10% owner | 154,589154,589 held indirectly |
| Bristow Claire H10% owner | 52,47252,472 held indirectly |
| Alemany Ellen RDirector | 3,7763,476 held indirectly |
| Snow Ralph Mattox IIIDirector | 121 |
| Morais Diane E.Director | 100 |
Questions about FCNCA
What does First Citizens Bancshares Inc do?
First Citizens Bancshares Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker FCNCA.
Is First Citizens Bancshares Inc profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $2.4B on revenue of $9.6B, a net margin of 24.5%.
How much revenue does First Citizens Bancshares Inc make?
Over the twelve months to June 30, 2026 First Citizens Bancshares Inc reported revenue of $9.6B. That is 0.9% more than a year earlier.
When did First Citizens Bancshares Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 7, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from September 17, 2026.
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Follow FCNCA: get an email when it filesWhere the numbers come from
Financial figures are the values First Citizens Bancshares Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.