profit from every $100 of sales.
$0$100
First Citizens BancShares
$2,324.25+0.28% today
+27.4% in 1 year
1-year low $1,766.011-year high $2,382.50
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.65 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Citizens BancShares sold, what it kept, and what it did with the cash.
Sales went from $4.53 billion in 2022 to $9.25 billion in 2025, with $2.21 billion of profit last year.
SalesProfit
First Citizens BancShares handed back more cash to shareholders than it generated last year.
Buybacks $3.0B
Free cash flow 2025$1.4B
Bought back its own shares$3.0B
Paid as dividends$161M
Cash vs. debt$20.6B vs. $36.1B
First Citizens BancShares vs. similar companies
First Citizens BancShares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Citizens BancShares | 11.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Citizens BancShares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,526 | 8,754 | 9,500 | 9,252 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 1,098 | 11,466 | 2,777 | 2,206 | |
| 67.40 | 784.51 | 189.41 | 165.24 | |
| – | – | – | – | |
| – | – | – | – | |
| 24.3% | 131.0% | 29.2% | 23.8% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 109,298 | 213,758 | 223,720 | 229,698 |
| Cash | 5,543 | 34,517 | 22,178 | 20,602 |
| Total debt | 6,561 | 37,565 | 37,041 | 36,113 |
| Total liabilities | 99,636 | 192,503 | 201,492 | 207,460 |
| 9,662 | 21,255 | 22,228 | 22,238 | |
| 16 | 15 | 14 | 13 | |
| 8.9% | 21.2% | – | – | |
| 11.4% | 53.9% | 12.5% | 9.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,791 | 2,660 | 2,988 | 2,923 | |
| 926 | 1,428 | 1,535 | 1,562 | |
| 1,865 | 1,232 | 1,453 | 1,361 | |
| Dividends paid | 83 | 117 | 158 | 161 |
| 1,240 | 0 | 1,648 | 3,027 | |
| 19 | 5 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.7×
- 13.1×
- 0.33
- 1.0×
- 2.8×
- 8.6%
- 0.4%
Profitability
- 23.8%
- 3.5%
- 8.6%
- 10.2%
- 1.0%
Growth
- +26.9%
- +34.8%
- +36.6%
- +5.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 44%of 754
Bottom 47%of 605
Top 38%of 883
Top 20%of 880
Top 45%of 929
What analysts expect
- Average price target
- $2,234.20
- Range
- $2,050.00 – $2,346.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 44.86 | 39.02 | +15.0% |
| Jan 23, 2026 | 0.51 | 0.44 | +16.5% |
| Oct 23, 2025 | 44.62 | 41.87 | +6.6% |
| Jul 25, 2025 | 44.78 | 39.71 | +12.8% |
| Apr 24, 2025 | 37.79 | 37.91 | −0.3% |
| Jan 24, 2025 | 45.10 | 39.32 | +14.7% |
| Oct 24, 2024 | 45.87 | 47.40 | −3.2% |
| Jul 25, 2024 | 50.87 | 44.78 | +13.6% |
0.4%of the share price, paid each year
On $1,000 invested$4a year at today's yield, before tax
+36.6%2020 to 2025
Raised9 yearsin a row, in our data
Paid per share, each year
$1.20 in 2015 → $7.95 in 2025
How safe it looks
7.3% of its profit
Room to growStretchedMore than it earns: 11.8%
News
If Surging Inflation Triggers a Market Crash, History Says Investors Should Do This 1 Thing FirstYahoo Finance · Nov 14, 2026Planning to Claim Social Security at 62? Here Are 3 Critical Questions to Ask Yourself FirstYahoo Finance · Nov 14, 2026Budget airlines are going upscale with first-class seats and faster wifiMarketWatch · Nov 13, 2026I am turning 18 next month and want to start investing. What do I do first?MarketWatch · Nov 13, 2026Trump administration is hiring debt collectors to go after defaulted student-loan borrowers for first time in 6 yearsMarketWatch · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
49No pass
Benjamin Graham
68Pass
Philip Fisher
77Pass
Peter Lynch
95Pass
Joel Greenblatt
19No pass
Charlie Munger
47No pass
Terry Smith
50No pass
Questions about First Citizens BancShares
Is First Citizens BancShares a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Citizens BancShares AI analysis
What does First Citizens BancShares do?
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. It is in Banks - Regional, based in Raleigh, NC, United States, with 17,876 employees.
Does First Citizens BancShares pay a dividend?
Yes. At today's price the dividend is 0.4% a year, about 7% of its yearly profit. In 2025 it paid out $161 million in dividends.
Is First Citizens BancShares stock halal?
No. First Citizens BancShares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has First Citizens BancShares stock done over the past year?
Up 27.4% over the past twelve months, to $2,324.25. It traded between $1,766.01 and $2,382.50 and is 2.4% below its high.
Who are First Citizens BancShares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Citizens BancShares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.